vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX Intermediate Holdings, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was denied my money. 
My money is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
I got a message from XXXX XXXX of debt collection when I did my research I found that it was from a leasing/rental company located in XXXX at la XXXX XXXX This place is located in XXXX Texas XXXX I disputed it with the Credit Bureau XXXX and XXXX. The 1st to respond by email was XXXX and they stated it was verified and accurate. I then called Genesis Credit Management and spoke with XXXX XXXX. Ididnt have an account number so he looked me up with the last 4 digits of my ssn and confirm my dob. When I advise him that this was fraud that I have never lived in TX. He then stated he could not disclose a lot of information due to this being a fraud/identity theft. He did state the person used my DOB and SSN. He also advise of a email and a phone XXXX. I advised that I only lived in XXXX XXXX and XXXX. He stated this problem started on XX/XX/year>. The phone # and email he provided are not mine. I have also contacted transunion and they could verity my credit information and it didnt match what they had either as to the address I lived in etc. they gave me this solution to contact FTC to dispute this identify fraud. I can show proof I have never lived in TX or visited. Also they used my maiden and previous married name. I have been married more than 5 yrs and since I have changed my name. I am verify proud of keeping my credit up to date. This has been verify upsetting to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-12 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: MD

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: AR

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX  {$800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ( XXXX ) XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$750.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
Experian is reporting a fraud address and account the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, AND ACCOUNT THAT I NEVER HAD WHICH WAS OPEN UP BY FRAUD I FILED AND FTC REPORT XXXX XXXX THE ACCOUNT IS XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-12-12 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 

XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX states 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Alphaeon Credit for several issues, including excessive interest charges, poor customer service, and problems with the statements they provide. 

In the winter of XXXX I applied for an Alphaeon credit card, which was advertised with a 0 % promotional interest rate. On XX/XX/year>, I logged into my account to pay off a balance of {$4900.00} in order to avoid any interest charges. However, when reviewing my account, I found an interest charge of {$2100.00} had been applied, which I believe is excessive and unfair given the promotional offer I was under.

I immediately contacted Alphaeon Credit 's customer service and spoke to five different representatives that same day. Unfortunately, none of them were able to resolve the issue or reverse the charge. I was informed that I missed the promotional deadline by one month, but I was not clearly notified about this deadline in advance, nor was I given the chance to correct it before the interest was applied.

In addition, Ive noticed two other concerning issues with Alphaeon Credits practices : Statement Charges : Alphaeon Credit charges a fee of {$2.00} for paper statements, which I find unreasonable. 
Incomplete Email Statements : The email statements I receive do not include full details of my account or balance, making it difficult for me to track payments and fees properly. This lack of transparency is frustrating and adds to the confusion. 
As a result of these issues, I am now facing an unjust interest charge on top of my balance, and I am being forced to repay the loan again with no clear guidance or help from the customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have login credentials for myEquifax, but whenever I attempt to freeze or unfreeze my credit online, I encounter the following error message : " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This issue has persisted for over a year, forcing me to call Equifax each time I need to make changes. I have repeatedly reported the problem, and your representatives consistently claim to escalate the issue to IT for resolution. Despite these assurances, no progress has been made. 

Efforts to resolve the issue have included : Changing my username. 
Deleting and re-creating my account. 
Each time I call, I am placed on hold for over an hour to speak with a supervisor, only to receive no meaningful assistance or resolution. This lack of action is highly frustrating. 

Equifax advertises the ability to manage security freezes online as a free and federally regulated service, stating : " At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Placing, lifting, and removing a security freeze is free. '' I should be able to freeze and unfreeze my credit independently online, just as I can with XXXX and XXXX. My issue is not related to inaccurate information on my credit file, as suggested in a recent letter I received from Equifax. The problem is that I can not manage my security freeze online and must rely on phone support, which is not typical or acceptable. 

I am requesting a prompt resolution to this issue so that I can use your online platform as intended. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
A clerical error made to transfer funds from another account I owned in my name was repeated in attempts and unknown to why.. I've maintained this account without any security risks, transaction disputed or debit card number at risks.. the failed transaction was never made available to my account and access to the funds were not given or credited. Due to this error my account has been restricted and a decision to close the account has been finalized. The money that I have left in my account is still there and they will not allow me it's access or mail a check payment for the remaining balance. I have experienced no call back, as I was told.. no access to transfer the money and the account is overall continues to be open but placed with restrictions and unable to gain access to funds remaining. This has now caused me with multiple fees for missed payments, uncertainty to when I will be receiving this payment and distribution to my daily activity. They have a reputation for doing this to many people and they continue holding money after they made a decision to close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
still receiving mailings emails from XXXXXXXX XXXX  associates after i asked them to cease and desist from contacting me totally disregarded my letter dated XX/XX/year> see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am writing to formally dispute an entry on my credit report from Columbia Debt Recovery, account number XXXX. I initially sent a debt validation letter to Columbia Debt Recovery within the required 30-day period, requesting verification of the debt. Despite my request, they failed to respond within the 30-day timeframe. I have attached the return receipt as proof that they received my initial request.

I sent another letter asking for validation of the debt, and only then did they provide a response. However, I have already attempted multiple times to dispute this debt directly with your agency, but the item remains unresolved on my credit report, and no investigation has been conducted. Additionally, Columbia Debt Recovery continues to harass me with frequent phone calls at all hours of the day, including as early as XXXX AM, from various phone numbers. 

Given the lack of proper validation from Columbia Debt Recovery and the repeated failure to resolve my dispute, I am requesting that you immediately remove this debt from my credit report. I believe I do not owe this debt and have made every effort to resolve this matter in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Please investigate this issue promptly and remove the erroneous entry from my credit report. I appreciate your timely attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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 file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief