vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: WI

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry listed under my name that I do not recognize nor authorized.

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 2024-03-26 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/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 2024-03-26 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
It not me some one is using my information l talk to you on the phone about XXXX weeks ago and I told you it's not me.i been living in my house for XXXX years and I can prove it.i never live in your apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX  - XXXX XXXX : XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX 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 2024-03-26 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 urge you to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized hard inquiry listed under my name that has no permission by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I was contacted via phone by a debt collector in regards to a debt I have disputed with the original company. Original company Is GM financial, when I was contacted I explained to them that they are contacting me in regards to something I have no knowledge about. They ensured it was me and try to force me to pay the debt. I asked them to please provide the Following : - The original contract with the original owner with signature - The date and paper work when they acquired the Debt - Documentation of the balanced owed I was told that they don't have to provide the information due to they had confirmed my information. I further explained to them my identity was stolen in the past and can give them the XXXX paperwork as well. 

They then hung up on me. Then Again on XX/XX/year> I was contacted again in regards. I told them it isn't my debt and have the theft report from XXXX. they provided me an address and a email to send the information to. On XXXX XXXX I sent the following via mail and email : -Identity Theft Report - FTC # XXXX - NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA -Identity theft dispute letter. 

No information was sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I didnt authorize these companies to report my Experian credit file

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 2024-03-26 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: AL

Complaint narrative:
I had been a victim of fraud and someone started a new phone line with XXXX in my name. So, I froze all my accounts. Equifax can not unfreeze my account, I offered to verify information and needed this to be a simple process. They are saying it will take XXXX business days AFTER they receive my verification documents and people can not purchase and do things if it's this difficult to get access to your own credit. I called and tried to get access or determine why I could not access my previously set up account and they could not provide any information. Also, they disabled my online account because I did not use it enough. Sorry I am not applying for credit every month, but it is not a website I would visit unless I need to access my credit. They did not notify me they were disabling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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 am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I contacted Comenity Bank regarding a {$16.00} interest charge on my account. I don't understand why I am being charged an interest charge if I paid the full balance of {$1200.00} on XX/XX/2024 prior to the due date ( XXXX of each month ). In response from the company from the last complaint, Comenity indicated that I would be responsible for the {$1200.00} which I paid on XX/XX/2024 ( before the XXXX ). I had a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
The account I have with Affirm has been hacked. Someone has changed the contact information in the account an has made charges to the account for over {$3000.00}. I have tried to get the information changed back but the will not talk to me because the phone number that is on the account is no longer mine. Even though I can answer all the other security information and give XXXX loan information. I have sent in pictures of my Goverment ID on XX/XX/year> and on XX/XX/year> and both times they have declined to verify me. The phone number for the US customer service no longer works. I have sent emails multiple times and have never got a reponce. 
I do owe them {$950.00} for what I had opened the account to buy. But they have made it so I have no way to access the account to pay this off because I can not access or call them to pay this off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Beginning XX/XX/XXXX until XX/XX/XXXX, Chase Bank charged my Total Checking account XXXX maintenance fees of {$12.00} each while the account was " dormant '' ( entirely invisible to the account owner via the website ). Here, " dormant '' does not mean " hidden '', as Chase does offer the option to Show or Hide accounts on their online banking website. I know this because I looked deliberately for my account multiple times during this period because I remembered opening a Chase checking account. However, when I found that there was no checking account listed on the Chase online banking portal, but my other accounts and their balances were consistently listed correctly, I reasonably determined that the account I was looking for had been closed. It would be certianly unreasonable and possibly illegal for Chase to hide an account from a customer, preventing them from using online banking features and monitoring its balance, while simultaneously collecting objectionable fees on that account every month that any reasonable person would notice if they were provided visibility into their account 's balance. After calling Chase customer service on XX/XX/XXXX, I was notified for the first time that my account was " dormant '' by a Chase agent, and they reactivated my account. I then discovered XXXX fee transactions that were not just unknown to me, but UNKNOWABLE without the unreasonable customer action I took of calling customer service to confirm the very existence of the account. Chase has refunded me XXXX of the XXXX fee collections. An account that has ANY form of monthly activity, whether it is in the form of customer usage or fee collection by the bank, should NEVER be allowed to be marked as dormant and the account 's entire existence hidden from the customer through normal facilities such as the Chase website. This practice enables account facilitators like Chase to drain accounts using fees while providing no service or notice to the customer of any change to their balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
A few days ago I got a notification from my credit monitor that I had missed a payment on my mortgage, I was surprized since Regions Bank deducts the payment automatically every month from my account. I logged on and made the XXXX missing payments. 
I later got a call from regions saying my loan was in foreclosure, and I told them I was able to make the XXXX payments owed on their website through ACH transfer. 
Regions then told me they wouldn't take my money since I owed XXXX payments which did not show online or I would have paid the XXXX XXXX. 
I asked why they would not take my money, he said talk to their attorney.

I was able to screen shot my payment from their own website and emailed to them. The payment record has since disappeared off of their web site, as has my loan, and I am unable to log onto their mortgage site.

This was the first I had heard of my loan going into forclosure was on the telephone with no prior communication!

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. I did not consent to its establishment or usage. Enclosed are the essential documents to back up my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments on this account have always been a priority for me, ensuring they are never past due. I'm unsure why there are mentions of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
I have requested the removal of these inaccurate accounts. Additionally, my mental well-being is being adversely affected by this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/year> I mailed certified mail to Resurgent/LVNV Funding requesting that they remove this fraudelent account from my credit report. As of this date this company has failed to respond. Enclosed is the letter I sent to them on that date along with the Identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
We got billed more than one item. We didnt approve charges and company told us multiple times we needed to pay either way. We disconnected with company right away. But now it is on our credit history. We dont find it fair that we got charged extra. And not even the fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
FCRA 605B appears to necessitate the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Some of the mentioned accounts contain inaccuracies in their reporting.

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 2024-03-26 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: PA

Complaint narrative:
Could you please take away these inquiries? I have no knowledge of them, and they were conducted without my permission by the company.

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. I did not consent to its establishment or usage. Enclosed are the essential documents to back up my statement.

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 2024-03-26 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: WI

Complaint narrative:
SEE ATTACHEMENTS WITH FULL DESCRIPTION AND ACCOUNTS AND SUPPORTING DOCUMENTATION.

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 2024-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: FL

Complaint narrative:
Money was illegally taken from my Account for a loan that I had trouble paying back. I was in involved in a work related accident, so I work limited hours. Once I had more money. I would set up a payment arrangement, but they couldn't wait and took all of my money. They hired a third party named January as a debt collector for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation