vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please permanently remove all XXXX Alerts on my credit report. I do not want it.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-09 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity was stolen some time ago. The credit bureaus are aware, and I have added credit freezes or instructions for them to contact me before attempting to extend lines of credit. I continuously receive updates showing inquiries into my credit made without my consent. 


I contacted Experian, XXXX, and XXXX by mail to dispute over a year ago. 
XX/XX/XXXX, inquiry, XXXX XX/XX/XXXX, inquiry, XXXX XX/XX/XXXX, Inquiry, XXXX XXXX Bank XXXX XX/XX/XXXX, Inquiry, Experian XXXX Card XX/XX/XXXX, Inquiry, Experian XXXX XXXX XX/XX/XXXX, Inquiry, Experian XXXX XXXX XX/XX/XXXX, Inquiry, Experian Bussiness Card XX/XX/XXXX, Inquiry, XXXX XX/XX/XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
One Main loan company is obsessively calling. They have called me in the last 19 days a total of 36 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX Dear Navy Federal Credit Union, I hope this letter finds you well. I am writing to humbly request your consideration for a goodwill adjustment regarding my account and the late payments that occurred during XXXX and XXXX of XXXX. 
I understand the importance of maintaining a good payment history, and it is with a heavy XXXX that I find myself in this position. Unfortunately, during that time, I faced a series of deeply XXXX  personal events that severely impacted my ability to meet my financial obligations. 
In early XXXX, my mother, who had been battling a XXXX XXXX for several years, experienced a significant health crisis that required my immediate attention and care. The situation escalated quickly, leading to a hospitalization that kept her in critical condition for weeks. As her XXXX XXXX I found myself torn between managing her medical needs and maintaining my responsibilities at work. The overwhelming stress and emotional toll of watching my mother suffer was indescribable. 
To make matters worse, shortly after my XXXX XXXX XXXX, I was involved in a XXXX XXXX XXXX while rushing to the hospital to be by her side. The XXXX XXXX XXXX XXXX XXXX XXXX that made even the simplest daily tasks feel like XXXX  challenges. During this time, my focus was solely on family and recovery, and as a result, I fell behind on important financial commitments, including my payments to XXXX XXXX. 
I take my credit obligations seriously, and it pains me to have these late payments on my record. Thankfully, my mother has since shown signs of recovery, and I am in a better place both emotionally and physically. I am now ready to stabilize my finances and commit to paying off my account in full. 
Given these circumstances, I kindly ask for your understanding and support in removing the late payment marks for XXXX and XXXX. This goodwill adjustment would not only help restore my credit standing but also alleviate a significant burden as I work to rebuild my life after these trying months. I assure you of my continued commitment to timely payments moving forward. 
Thank you for considering my request. I appreciate your understanding and compassion during this difficult time. I look forward to your positive response and hope to continue my relationship with Navy Federal Credit Union. 
Warm regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC
State: VA

Complaint narrative:
On XX/XX/year> I received s credit report notification from XXXX that a collection was placed on my report from an unknown or unheard of collection agency ( Oliphant USA LLC ) partial account number : XXXX ( as appears on my credit report ). The collection agency appears as the original creditor and collector. 

I have never had any dealings with this company. Ive never heard of or from them. Never received any notice. No mail, phone, electronic communication to inform me of any alleged debt they are attempting to collect. They just appeared on my credit report. Had I been informed of any alleged debt I would have most definitely disputed this and asked for complete validation per my rights as a consumer. This is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX FRAUDULENT ACCOUNTS : XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX. {$1500.00}. CHARGE OFF CREDIT XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX {$240.00}. COLLECTION ACCOUNT XXXX XXXX. ACCT # XXXX. OPENED XX/XX/XXXX. {$1500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX COLLECTION ACCOUNT These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Saturday XX/XX/XXXX, I vacated my former apartment at XXXX XXXX XXXX XXXX XXXX. After vacating and dropping the keys, I verified the status of the apartment was correct and asked to be a part of the apartment survey tour, all was mentioned to be in order. 

On XX/XX/XXXX I received a notice from Genesis Debt Recovery  for {$210.00} USD outstanding debts to XXXX XXXX, a XXXX XXXX. I attempted to contact XXXX but was provided no explanation of the charges I was being held accountable for. The collection agency did not provide an explanation either. 

On XX/XX/XXXX I reached out to XXXX XXXX for a clarification of the charges and a statement was sent, but no explanation of the charges was offered. 

I have not paid the collection for I was never given an explanation of what I was being charged for, I was never contacted by XXXX XXXX by either mail, email of phone about this charged. When I went physically to XXXX XXXX to ask for an explanation in XX/XX/XXXX I was shown out of office and referred to their accounts payable department, I reached out without succes in speaking to a representative. I have never been provided an explanation of the debt. In my view this is a violation of the fair credit reporting act that is damaging my financial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX as of XXXX XXXX XXXX XXXX as of XX/XX/year>XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXX XXXX both 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 monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX  to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant XXXX with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX  negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know Equifax is on an internal hold DUE TO FRAUD intil i turn in my ID and social and XXXX  they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX as of XXXX XXXX XXXX XXXX they actually owe me for over payment as of XXXX XXXX XXXX XXXX both XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DE

Complaint narrative:
Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding the issue youre facing with the " I C System '' collection item : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unverified Collection Item on Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding an inaccurate collection item listed on my credit report. The account in question is from I C System with an open balance of {$2000.00}, opened on XX/XX/year>, as reflected on my report. The item has been placed for collection, and I have disputed it multiple times, but the creditor has failed to provide sufficient verification for the accuracy of this debt.

Despite my formal dispute and request for proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, the item remains on my credit report, which is damaging to my credit score. The account is marked as Account information disputed by consumer, yet no proper resolution or removal has been made.

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 non-monetary relief