vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At payment page while booking XXXX XXXXXXXX XXXX XXXX XXXX, for myself and family ) online, there is a prominent OFFER which shows the amount owed will be reduced to a lower amount by a statement credit given on a new XXXX XXXX XXXX  by Chase. I clicked to ACCEPT the offer, which includes an annual fee/CONSIDERATION which in my view would form a CONTRACT. I filled out an application form, a credit check occurred which presumably impacted my credit rating negatively. I was given a {$35000.00} credit line. But then the website didn't successfully redirect back to the booking ( according to the directions given on the original offer ). When I booked the flights again, the new credit card I had been given wasn't available on the website to pay with as promised. I called Chase. They stated they could not honor the booking, or give me the new account information to book it myself, that all they could do was expedite a credit card delivery. By the time the card arrived two days later, XXXX XXXX XXXX fares had increased to where I want to book with another airline. So I was tricked into getting a card I don't want, and I was tricked out of booking flights I did want, and my credit rating has been harmed. I'm not OK with that. Are you?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCOUNT XXXX XXXX XXXX XXXX has a 60 late payment from XX/XX/2023, How can it be 60 days late in XX/XX/2023 but no 30 day late in XX/XX/2023 before it can be 60 days late the prior month must be 30 days late I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XXXX XXXXand was 60 days late or remove this unverified late payment. 
ACCOUNT XXXX  # XXXX This account is closed, So how can it have an available credit of XXXX XXXX? inaccurate information Please delete immediately Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Fiance recently had my account being reported as charge off and due to XXXX XXXX compliance law the information on how it is being reported is not accurate it is showing XXXX XXXX XXXX XXXX XXXX XXXX etc.. they said my last payment was in XXXX if it was it needs to report XXXX XXXX XXXX XXXX XXXX XXXX then charge off.. I spoke to repressive name XXXX and I tried to request information and said I had to it in writing which is false if the company can't provide information or is go report information they need to report accurate or delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

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 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 2024-05-10 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: OH

Complaint narrative:
I followed your instructions to contact the company responsible for placing this inaccurate charge-off account on my credit report. However, despite my efforts, the furnisher did not respond to my inquiries. 

I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX XXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all 3 credit bureaus.

Instruction : Please Update to Pays Account As Agreed XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it. 
XXXX  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 explanation
Consumer complaint received 2024-05-10 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 online 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. Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX A XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - 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 2024-05-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica
State: TX

Complaint narrative:
A repetitive problem that has resurfaced over and over again. 
when the branch was confronted with the Service fees of {$18.00}/ for 6 months that i was aware of. Back also claims they can only go back 6 months. 
Bank is wrongfully charging customers and those that fail to sport these inaccurate charges within 90 days will have just been ripped off by their financial intuition. 
this is not the first time this has happened but will be the last with Comerica. 
There is over XXXX in these few accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for capital one. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from XXXX and called them to try to dispute. XXXX told me that they can not remove hard inquiries and that I needed to contact the creditor. I called capital one and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-05-10 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:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-05-10 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: NY

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
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:
On XX/XX/2024 I notified COLUMBIA DEBT RECOVERY via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. While submitting the information via their website, they require the FTC Identity Theft Report to be notarized, which is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). The FTC IDENTITY THEFT statement is NOT required by law to be notarized, therefore I did not, and will not be doing so. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: OH

Complaint narrative:
I followed your instructions to contact the company responsible for placing this inaccurate charge-off account on my credit report. However, despite my efforts, the furnisher did not respond to my inquiries I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX XXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all XXXX credit bureaus. 
Instruction : Please Update to Pays Account As Agreed XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint against PYOD LLC regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/year> : The collection account was opened by PYOD LLC. 

Nature of Contact : PYOD LLC initiated contact regarding the collection of the debt. 

Frequency of Contact : PYOD LLC has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from PYOD LLC on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : PYOD LLC has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, PYOD LLC has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
PYOD LLC 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from PYOD LLC have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and anxiety. 

Abusive Language : During communication attempts, PYOD LLC agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : PYOD LLC has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account.

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 2024-05-10 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: 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 online 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. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief