vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have on numerous occasions since my Capital One card was closed due to fraudulent activity tried to reach out and work with their fraud department. Either directly or with multiple fraud department contacts in particular listed below. 

XXXX capital one XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX But after being either hung up on or leave messages to the fraud contacts above with no call back or follow up. The initial credit limit on this card was for {$10000.00} but the total shown now of {$19000.00} is inaccurate due to previous fraud. I would like this to be removed from my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MP

Complaint narrative:
I am writing to report a serious issue regarding the relentless and intrusive communications from XXXX. They have been reaching out not just to me, but also to my family members, including my parents, aunts, uncles, great-aunts, great-uncles, and cousins, multiple times each day. Despite my repeated requests for them to acknowledge my concerns and stop this harassment, XXXX  has not only ignored my pleas but has continued to suggest unrealistic monthly payment plans and forbearance options. These proposals not only fail to resolve the core issue but also risk worsening my already significant debt due to accumulating unmanageable interest. Additionally, I have conveyed how this constant harassment is affecting my parents ' XXXX, yet XXXX  has remained unresponsive to my requests for a fair and amicable resolution. Their insistence on communicating with individuals not listed in my file, beyond just myself and my cell phone number, is both intrusive and inappropriate. I feel I have no other option but to inform XXXX  of my intention to report them and consider legal action for harassment and unfair practices. Nevertheless, their aggressive tactics persist. I respectfully urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into this situation and take suitable action against XXXX  for violating fair debt collection practices. I believe my rights as a borrower are being severely compromised, with a permanent mark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts 
and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I have the right to request the removal of unauthorized or fraudulent 
information from my credit file.
Accounts to be blocked and deleted: 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 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 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 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 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 2024-11-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-01 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: NY

Complaint narrative:
XXXX XXXX  XXXX and the credit agencies XXXX and transunion are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting two different account numbers.

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 2024-11-01 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: NY

Complaint narrative:
XXXX XXXX  XXXX and the credit agencies Experian and XXXX are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting XXXXwo different account numbers.

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 2024-11-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I found what look like incorrect accounts that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
Company Name : COLUMBIA DEBT RECOVERY Collections Amount : {$9500.00} Urgent Request for Removal of Inaccurate Accounts on Credit Report : Upon reviewing my credit report, I discovered accounts that do not belong to me, which have severely impacted my credit score across all three bureaus. I first noticed these discrepancies on XX/XX/, and since then, they have negatively affected my financial opportunities, preventing me from applying for mortgages, credit cards, and other financial products. These accounts represent false debts that were added to my report without my knowledge or authorization. I am requesting immediate action to investigate and remove these inaccurate entries. Please confirm receipt of this complaint and provide an update on the steps being taken to resolve this issue. Thank you for your prompt attention to this urgent matter. Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
they keep contacting me.. this debt was written off and as of today XX/XX/year> i am still receiving harassing phone calls. 
This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease all communication with me regarding account number XXXX XXXX. I have previously requested that you stop contacting me, yet I am still receiving calls. Per 15 U.S.C. 1692c ( c ), this letter is a reminder of my right to request a complete cessation of communication. 

Additionally, I am requesting that you remove this account from my credit report with the three major credit bureaus ( XXXX, XXXX, and XXXX ). It is my belief that continued reporting of this account is inaccurate and damaging, as I do not believe I owe the amount in question. Furthermore, this request is to resolve the matter fully, and the removal of this collection will prevent any need for further disputes or legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX {$320.00}, XXXX {$100.00}

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: NH

Complaint narrative:
After several attempts to get information about fraud on my XXXX XXXX card it was sent to collections of a agency called Admin Recovery. When an attempt to get this removed from my records due to fraud on the card previously wasn't getting anywhere. Credit limit on the card is only {$8400.00} and their saying owed is {$11000.00}. Now lately been being a bit harassed multiple times a day each week on a debt I feel is inaccurate and should be taken off my account records.

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 2024-11-01 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: CBC Companies, Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MN

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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report that TransUnion has failed to correct or delete, in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, TransUnion has a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
Despite my previous attempts to dispute this inaccurate information, TransUnion has continued to report items that are detrimental to my credit standing. This failure to maintain accurate information has adversely affected my creditworthiness, resulting in both financial and reputational harm. 
Under Section 611 of the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If TransUnion can not verify the accuracy of this information, it must be removed. Yet, my file continues to reflect information that remains unverified and inaccurate. 
To remedy this situation, I am requesting that TransUnion : Verify The XXXX XXXX listed on my credit file. ( EX.1 ) Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for TransUnions failure to comply with the FCRA. 
I expect a prompt response outlining the actions TransUnion will take to correct or delete the unverifiable information, along with assurances that such issues will not recur.

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 2024-11-01 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 express my deep frustration and to demand immediate corrective action regarding ongoing inaccuracies and discrepancies across the XXXX credit reporting agencies : TransUnion, XXXX, and XXXX. Despite previous dispute efforts, these agencies continue to report inconsistent and incorrect information, affecting my credit profile and causing significant distress.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have XXXX credit cards with Chase Bank, ending in XXXX and ending in XXXX. 

In XXXX or early XX/XX/scrub>XXXX XXXX, I moved, and changed my address with Chase Bank online. 

When I log in to my Chase account, it only shows that my address has been changed for my XXXX credit card. 

On XX/XX/XXXX, I sent them a message through the website : " I updated my mailing address for card -XXXX. Should be XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX... But, it didn't show that it updated the address for my other card XXXX ... Please confirm that you have the correct ( XXXXXXXX XXXX ) mailing address for both my credit card accounts. '' 'Ann ' refused to answer yes or no, but instead treated me like an XXXX and told me how to change the address through the website ( which I had of course already done ). 

So I sent another message : " XXXX, you didn't read what I wrote. Please answer the question I asked, and stop trying to answer the question you wish I'd asked '' and XXXX XXXX responded " for security purposes, we will be unable to confirm the mailing address we have on file for you here via email. '' Which shows that he also did not read what I wrote. 

Attached is a pdf, showing what I see when I go to 'profile '. Note that it only shows the address for the card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-11-01 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with explanation