vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Been a capital one customer for a year, opened a second credit card, established auto pay, they did not apply it, I went in and paid it directly on the XXXX, the put a system generated hold until XX/XX/XXXX, my bills attached to the card are declined and now late. Called in to capital one on the XXXX, and I asked them to fix the issue. As soon as they said they would try, they put me on hold and disconnected the call. Now I have no credit, Im out almost XXXX dollars, my bills are late, including my cell phone from XXXX, and customer service never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-12-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to Fifth Third, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. Fifth third was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
My wife and I received a charge on our checking account for {$190.00} on XX/XX/2023. I contacted my bank ( WSFS XXXX ). I advised bank this charge was fraudulent, The bank told me I would have to wait to 90 days for a resolution and that I should call merchant for refund. I tried to advise bank fraudulent charge, so why do I have to call the merchant? They said because merchant told them was authorized charge, so no refund at this time. Of course the merchant would tell them the charge was authorized they want the money they fraudulently took from our account. The bank, however could not tell me if they had a signature from my wife, they said do not have to have a signature if purchase made online. I then asked if have recording of order being made, they again said does not matter they do not have to have one, So as a consumer how can we protect myself against this?. My bank refused to refund my account the fraudulent charge of {$190.00} yet this is clearly a fraudulent charge. Can you please help we live paycheck to paycheck and can't afford to loose that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Per my settlement arrangement for the above stated account, negotiated on my behalf by XXXX XXXX XXXX on XX/XX/XXXX, the settlement amount ( {$4900.00} ) was paid in full on XX/XX/XXXX. I have enclosed the supporting documentation, to include the agreement letter, payment ledgers. 
I request that you immediately update my credit file with all three bureaus to indicate the account has been paid as agreed upon and indicate there is no past due balance. As of XX/XX/XXXX, you are erroneously reporting a past due amount of {$5300.00}, and have not reported the XXXX payments of {$410.00}. 

Attached payment ledger has payments sent to Chase highlighted. 

I have filed multiple disputes with credit bureaus and provided documentation. No results from filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from XXXX credit report as soon as possible.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-12-29 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: VA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have an auto loan with Wells Fargo. The terms of the loan dictate that if I make payments in excess of the amount due, it rolls into the next payment unless I ask for it to be put towards principal. Once you are 3 months ahead on payments, the excess auto applies to principal. 

I have been making a little over {$30.00} more a month each month on my loan. This month, I looked at my statement and it said I was {$14.00} over due, even though my next payment isnt due until XXXX. 

When I called, I was informed that once you pay 90 % towards the next months payment, your due date is moved to that next month and the 10 % that isnt paid is marked overdue. 

This makes absolutely XXXX sense. How can a person have an overdue amount on their account and be ahead on their payments? I am concerned how this is reported to credit bureaus. 

In particular, this is incredibly misleading and inaccurate and penalizes customers for being ahead on payments.

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 2023-12-29 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: CA

Complaint narrative:
I asked TransUnion to send me a XXXX of all of my credit inquiries because I did not recognize some and they sent me a letter with none of what I asked for all I did was ask them since they removed the XXXX XXXX XXXX and the XXXX XXXX and other things on my credit report for being missued on there can they remove most of the inquiries since they had things on my credit report and I couldn't get loans credit cards because I was denied from the errors that was on 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 2023-12-29 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I received an alert that I was put into collections. Upon further review and investigation, I realized that I was a victim of Identity Theft. Someone applied for an apartment in Texas under my name. I have lived in New Jersey for my entire life and never have done any transactions in Texas. According to Genesis, the application was put in at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Yesterday I received a letter from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS stating that I owe them {$350.00} based on an agreement that I had with an apartment complex called XXXX XXXX in XXXX VA. I did visit XXXX XXXX this past summer when I was looking for an apartment for my daughter. I looked at a number of apartments on my own that day. In order to see the apartment at XXXX XXXX, I believe I provided some basic information and perhaps showed my drivers license as I did at every apartment I visited. I did not like the apartment at XXXX XXXX nor would I have ever applied for any apartment without my daughter seeing it. She decided to move to a house in XXXX XXXX with roommates and that is where she lives now. I live in Colorado. At no time did I make an application for an apartment at XXXX XXXX. Somehow this brief look at this apartment went from that to I owe {$350.00} for an application. No one can produce said application or any correspondence between me and XXXX XXXX other than the fact that I did visit the complex. I asked the collection agency for proof of this application and they said they would send what they have which is a ledger entry. I stated that a ledger entry proves nothing and that I want to see the application. They stated that they do not have the application. I stated that I do not wish to be harassed over a non-existent debt for a non-existent application. Now they are trying to say that I have to allege fraud that I have to give them my drivers license, proof of where I live, proof of a complaint to the FTC etc. I feel that they should have to provide proof of the debt before I have to proof I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Total dispute amount {$10000.00} On XX/XX/ Chase Bank provided a letter to homeowner stating the following... Thank you for letting us know the charge below is VALID for the amount of {$5000.00}. Letter reflects the merchant which is my Company and XXXX as my processor for credit card transactions. 

On XX/XX/ Chase Bank provided a letter to homeowner stating the following... Thank you for letting us know the charge below is VALID for the amount of {$5000.00}. Letter reflects the merchant which is my Company and XXXX as my processor for credit card transactions. 

This entire mess started when homeowner contacted their Chase credit cards company by opening false claims about my company on XX/XX/XXXX XXXX XXXX This was my second project with the homeowner but now for the first floor of her single family home for 16 Custom Windows which were ordered with a local window Manufacturer based in Chicago. As I noticed these 2 false claims on XX/XX/ i immediately contacted the homeowner. As you see by the dates above she contacted Chase on XX/XX/ XXXX XXXX  telling Chase claim was VALID for the initial {$5000.00} charge. My company went on and beyond even when the homeowner contacted Chase about the total of {$10000.00} false disputes. On XX/XX/ the project was fully finished and the {$10000.00} was never reversed by Chase to my XXXX XXXX account. I have contacted Chase with the homeowner at end of XXXX and Chase assured us that the 2 separate charges will be back to XXXX by XX/XX/XXXX. Today is XX/XX/ and my patience is running out with Chase and XXXX. As of today I paid for the 16 custom XXXX and all materials and labor costs. To this day I have good communication with the homeowner claiming Chase never gave them the credit back. My other resolution was to run a new transaction using my new XXXX payment processor but homeowner said Chase has the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to bring attention to a matter that has been unresolved since my initial contact via mail and subsequent complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite the passage of several months, I have not received the anticipated resolution from your department concerning the misleading and inaccurate entries on my credit report. 

***See letter about the details of the disputed information. ***

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