vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
It's been ongoing with Target. I am unable to fly and therefore, I am unable to use a credit from the airline that was charged to my account on XX/XX/XXXX in the amount of {$420.00}. I sent Target the letter from my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX certified mail which they received on XX/XX/XXXX. All they have done at this point was put the amount back onto my credit card and they are telling me to pay it. In addition, because I haven't paid it they will damage my credit. They are totally siding with the merchant and not the customer. Keep in mind they reversed the amount and returned the {$420.00} to me in XXXX after I demanded the payment be sent to me in a letter to them sent certified mail on XX/XX/XXXX that they received on XX/XX/XXXX. I am at a loss at this point. I feel that I am being told to pay for something that I can NEVER use!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2024-05-08 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: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-08 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unverifiable Collection Account and Identity Theft Dear Sir/Madam, I am writing to file a formal complaint and seek assistance regarding a concerning issue I have encountered with a collection account appearing on my credit report, as well as potential identity theft concerns. 

In late XXXX of this year, I received notification of a new account on my credit report attributed to Columbia Debt Recovery, also operating under the name Genesis Credit Management. Upon thorough review, I found that the account was listed as a collection account. Immediately, I took steps to address this matter by contacting both companies via mail on XX/XX/2024, to request validation of the account. 

To my dismay, both attempts to contact Genesis Credit Management and Columbia Debt Recovery were unsuccessful. Despite using the addresses listed on my credit report Genesis at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and Columbia at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX the letters were returned to me as undeliverable. 

Furthermore, on XX/XX/2024, I discovered additional new accounts on my credit report, while some of my existing accounts mysteriously disappeared from the XXXX report. In light of these developments, I promptly reached out to XXXX for guidance. They advised me to submit identification documents to initiate an investigation. Simultaneously, I contacted my credit card company, XXXX XXXX, who recommended involving the authorities and completing an identity theft report. 

Subsequent attempts to correspond with Genesis and Columbia via certified mail, including the submission of an identity theft form, were equally futile. Genesis provided an expired forwarding address, and the address listed for Columbia proved to be nonexistent. After conducting further research, I discovered that both entities now share an address and operate exclusively under the name Columbia Debt Recovery. Thus, I sent another certified letter to Columbia using the address provided on their website : XXXX XXXX XXXX XXXX WA XXXX. U

nfortunately, this letter was also returned as undeliverable. I appreciate your attention to this matter and kindly request a prompt resolution to alleviate the distress and uncertainty caused by this ordeal. Please do not hesitate to contact me if further information is required to facilitate the investigation.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: MD

Complaint narrative:
Able to log in to TransUnion at https : //service.transunion.com/dss/login.page and verify My Profile. 

After a successful login, I am unable to access credit file information and perform actions online, including accessing credit files and scores, managing or placing a credit freeze, managing or creating a fraud alert, submitting a dispute, etc. 

I called to request support with online access to my credit file. I was on the call for XXXX minutes, and I was transferred or engaged with at least XXXX " departments '' without resolution. 

The first TransUnion agent advised me that my online access issue was escalated and a file number was created, but I would need to call back after 5 business days to learn if my online credit file access issues were resolved.

Transferred to 2nd agent to discuss credit file actions, e.g., unfreeze credit for a specific timeframe. However, I was denied when asked to verify my identity since my answers to questions asked during authentication were incorrect. 

This indicates that TransUnion has allowed incorrect identity verification data to be part of my credit file. Furthermore, it indicates TransUnion 's gross mismanagement of my personal credit file or acceptance of fraudulent information in my credit file. 

I requested immediate fraud or identity theft support, but I was told that TransUnion would start the investigation process in at least 2 business days. This is unacceptable since active fraud and identity theft may be in progress now using my TransUnion credit file 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
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
I received a notice from Equifax that my dispute had been updated and verified.I asked Equifax for a method of verification pursuant to 15 USC 1681i ( 7 ) which I'm entitled to by law because it is impossible that Equifax conducted an investigation at allXXXX XXXX  account is still showing inaccurate, unverfied, and incomplete information ( see credit report attached underlining errors ) .Furthermore, XXXX XXXX sold their rights to report this account when they sold it to a collection agency ( see attached letter from XXXX XXXX XXXX ). XXXX XXXX  has willfully and negligently continued to keep reporting this unverified account causing it tore-age and affect my credit score tremendously. A charge off should have NO payment history available as it has ceased to collect by charging off the debt, yet the account is showing and reporting to my credit report with inaccurate, incomplete and unverified information and the credit report proves it.This is a clear violation of FCRA 605 ( C ) and Equifax should DELETE this account immediately for violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: PREFERRED CREDIT INC
State: FL

Complaint narrative:
XXXX came to my house and showed me the water test when I considered getting a water system. Upon the completion of the water test, i informed the dealer that I have no plans of getting their water system and even filed a complaint with all XXXX companies that they do business with. I never needed financing for the water system that XXXX sells and at no time authorize XXXX to send my information to a different company requesting finance options. I told the dealer prior to leaving my house, that I was NOT interested in the water system their company provides. Now a year later, I reviewed my credit report and Preferred Credit , Inc. placed an inquiry on my credit report which is in violation of the Fair Credit Reporting. At no time did I give this company authorization to place an inquiry on my credit report or view my credit report. I have attempted to request any documentation or record that the company claims to have proving authorization to place an inquiry or view my credit report and was not provided any. Instead I was provided a one page document that the company drafted that states what they believed happen in reference to the inquiry being placed. NO PROOF of authorization was provided. 

I submitted ( XXXX time ) another complaint requesting the document with my signature showing that I authorized Preferred Credit , Inc to inquire and review my credit. The document was not provided, instead they provided a screenshot of my basic information manually inputted into their system. Nothing was provided with my signature on it.

I also called Preferred Credit , Inc. to discuss my concerns about them fraudulently obtaining my information and submitting a credit inquiry. The representative explained that the information was partially submitted by the dealer and no document with my signature was ever receive. The representative put me on hold and requested authorization from manager, the manager approved the representative request. The representative stated that the account would be completely closed and for me to dispute the inquiry with the bureau ( Its only reporting on one bureau, not any others ) and it will be removed. She stated that if I have further issue to call the company back. Now receiving this as a response, demonstrates the lack of communication between departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. It also has random Data no available and random payment history.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- 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 2024-05-08 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: NY

Complaint narrative:
I Recently Reviewed A copy of my credit report and noticed i had fradulent accounts on my report please remove these acounts from my report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
XXXX a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Date of inquiry XXXX XX/XX/XXXX According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I was online looking at XXXX XXXX XXXX XXXX. I happened upon a website that sold them and I was trying to discover the cost of them because none was listed, the next step was to provide my credit card number. I thought that I would be brought to a checkout that I could decline if needed. I was never brought to a checkout and thought that nothing even went through since I received no email or any other information as to an order proceeding. I got a notification from capital one to approve the charge and I said no because my card was charged without my permission. I called the next day and was told that since I provided my number it would proceed and to call the merchant. I saw the charge of {$230.00} and {$79.00} and called the merchant on XX/XX/year> because I had not verified anything and I had never seen the cost. I was told the order could not be cancelled and could not be returned. I said there was no order because I authorized nothing and in fact, would not have authorized that purchase. This was when I filed a dispute with Capital One. In the coming weeks I did receive items and did not open them and would be happy to send them back. 

The charge showed from a place called XXXX XXXX XXXX which I cant even locate online and the number that capital one provided for me doesnt even identify themselves. Clearly a legitimate company doesnt require a credit card to just view the items cost and then processing it without authorization. I think that Capital One did not protect me when I knew it was an unauthorized charge. They only heard the part that it wasnt a purchase from a stolen card but that didnt mean that it was not used fraudulently. I asked for a new card because in my research I saw other complaints that they will also sign you up for a subscription and that request was granted. Capital one said they closed out my dispute because I did not send any documentation and I responded that I have none, no email, no packing slip, nothing that identifies this order and that I authorized it. They have not responded. I think that this situation required further investigation into my complaint since it had extenuating circumstances and should not have been dismissed. If only they had denied the charge as I requested nothing further could have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX  Date opened XX/XX/year>

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX  Date opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Is being reported to credit agencies I do not have accounts with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MA

Complaint narrative:
I have XXXX hard inquiries from equifax since XXXX  that I have not done, and this is damaging my credit.

Company response to consumer: Closed with explanation