vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlantic Discount Corporation dba Atlantic Financial Services
State: NC

Complaint narrative:
1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y 1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A C C O U N T # XXXX XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S 1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am filing a complaint regarding a fraudulent late payment reported on my Equifax consumer report for a XXXX account in XX/XX/XXXX, which stems from Equifax 's massive data breach between XXXX and XX/XX/XXXX. During this breach, Equifax failed to maintain adequate security measures, leading to the unauthorized disclosure of my sensitive personal information, including my name, Social Security number, date of birth, and credit-related information, impacting over XXXX XXXX Americans, including myself. This breach violated my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ) and other applicable laws. The reported late payment was added without my written authorization, violating 15 U.S. Code 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Merchant : XXXX Unauthorized withdrawals that include : XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$170.00} XXXX XXXX {$350.00} XX/XX/XXXX {$260.00} Total Amount : {$1400.00} I spoke to Chase Bank about unauthorized transactions on my account and filed a claim as well as a stop payment to prevent the charge from going through. They did credit less then half {$540.00} while they investigated. Today XXXX XXXX XXXX they did a credit reversal based on a transaction which was the first one made in XXXX XXXX XXXX. I dont often check my bank account and failed to notice these unauthorized transactions til the last one which was done in XXXX. I dont have business with XXXX nor have I ever. My current Mobile carrier is XXXX. They did not provide me with proof but will request this information on how they came to a decision tomorrow because I didnt not authorize these transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The lender, Nelnet, failed to send me correspondence indicating when my forbearance period would end. This is despite the fact that Nelnet has my correct address on file. I found out through other means that my forbearance period ended last month, which means the interest became capitalized. Because of Nelnet 's failure to send correspondence to me, I have now incurred over {$10000.00} in capitalized interest. Please advise and assist. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: FL

Complaint narrative:
I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), evictions in XXXX XXXX XXXX  , credit cards , personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX, where I purchased two drinks totaling approximately {$9.00}, including a tip. After this transaction, I left the bar and made additional purchases elsewhere. 

On the morning of XX/XX/XXXX, I noticed a pending charge of over {$570.00} from XXXX on my account. I immediately contacted USAA and was advised that the account would be monitored since the charge was pending and not yet deducted. 

However, on XX/XX/XXXX, the charge of {$570.00} was posted and deducted from my account. I also noticed another pending transaction of {$580.00} from XXXX, which, fortunately, was never processed.

Upon further contact with USAA, I was informed that a dispute was initiated and that I had received provisional credit. During my discussions with representatives, I was advised that USAA would conduct an investigation, and I was not required to contact the merchant directly.

After several follow-ups, I was eventually provided with XXXX contact number, ( XXXX ) XXXX. I have requested that USAA contact the merchant directly to obtain a copy of the receipt, including my signature. I do not possess my receipt from XX/XX/XXXX, so I am reliant on USAAs assistance in securing this documentation. Ive also filed a police report with the XXXX XXXX Police Department because this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
they call all day every day from different numbers even got to the extent of private calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A, STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: IL

Complaint narrative:
My vehicle was involved in an accident on XX/XX/XXXX. On XX/XX/XXXX, my insurance company deemed it a total loss and notified the lender the same day. Although there was confusion on part of the insurance company of sending the payout check to the lender, once the check payment was received by the lender but before the GAP waiver amount was applied to my balance, the lender refused to update the balance on my credit report and charged it off. The account was charged off before the total loss claim was completed. I received a final letter from my GAP insurance company today, XX/XX/XXXX providing the final payment amount made to the lender. The charge off status reported to the bureaus has made a significant ( negative ) impact to my credit score. I attempted to log into my account ( lender ) online but it is nowhere to be found. Had the lender allowed the adequate time for the total loss process to be completed, the listing would be reported as paid.

I also did not receive any notification from the lender indicating this would occur. There were fully aware of the total loss claim and even provided me information for the GAP waiver claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management has this account marked as a charge off on my 2 of my credit reports and when I disputed it they updated my credit reports as is being an open account and increases the balance on it. I have no knowledge if this account. XXXX has deleted this off of my report but this company continues to report it to XXXX and XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. A charge-off indicates that the debt has been written off by the original creditor, and any balance should not continue to increase unless new activity has occurred, which it has not. Additionally, the simultaneous reporting of this account as both a charge-off and as being in active collections may constitute a reporting error.

Company response to consumer: Closed with non-monetary relief