vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: AZ

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX ), an another at opened with XXXX XXXX card on XXXX XXXX under the account number ( XXXX ), another credit card open at XXXX XXXX under the account number ( XXXX ), and another credit card open with XXXX XXXX XXXX XXXX XXXX XX/XX/year> with a balance of {$7800.00} that appears to be a card

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX ), an another at opened with XXXX XXXX card on XXXX XXXX under the account number ( XXXX ), another credit card open at XXXX XXXX under the account number ( XXXX ), and another credit card open with XXXX XXXX XXXX XXXX XXXX XX/XX/year> with a balance of {$7800.00} that appears to be a card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( CAPITAL ONE N.A. ).

A detailed explanation of the debt, including the amount owed and the date the debt was incurred.

Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly.

Please be aware that failure to comply with this notice and continued harassment may result in legal action against your agency. Should I choose to litigate for harassment and abuse, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for Emotional Distress : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels.

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: WA

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently contacted EQUIFAX to have an inaccurate address removed from XXXX XXXX XXXX XXXX consumer report. The address XXXX XXXX XXXX XXXX XXXX Al XXXX is inaccurate, and I Believe this address may have stemmed from from identity theft pertaining to and a fraudulent account directly related to XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga. I have attached in this complaint my ID my social security account number and a lease I have with this real estate property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NC

Complaint narrative:
I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 section 602 A., which states I have the right privacy.

and 15U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NC

Complaint narrative:
I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 section 602 A., which states I have the right privacy.

and 15U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions these accounts XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Roundpoint has an obligation to refund monies for overpayment and escrow at the time of the loan payoff. On XX/XX/XXXX I received an email showing the loan was paid in full and that the overage would to be mailed within XXXX business days. On XX/XX/XXXX I spoke with XXXX who stated we were getting {$1100.00} for the overpayment and {$1200.00} for the escrow and that it would be mailed in XXXX business days which would be XX/XX/XXXX - XX/XX/XXXX. She provided the reference number XXXX. I was unsuccessful in getting the refund and filed a complaint on their site requesting a call. On XX/XX/XXXX they replied via email saying a customer advocate would be calling me. Im still waiting. I have now been attempting to get the funds that are rightfully mine for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
This is being reported inaccurately, this information is unverifiable.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is being reported inaccurately, this information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
XXXX XXXX ( gym ) emailed me that I was past due on {$290.00}. They provided a link to see an itemized list of what was owed. I copied that list, reviewed my bank statements, and found that I paid those charges. When I submitted the redacted bank statements, XXXX said the past due amount was actually due to membership fees that were past due. I have a copy of what the original itemized statement listed, which they denied. ( I can provide the printed screenshots ). 

When I looked at the past-due membership fees they claimed I owed, they were for months after I canceled in XX/XX/XXXX. You can see that I was not charged for several months, and then, apparently, they resumed charges without my permission and without informing me. 

Then, they sent their claim to ALDOUS & ASSOCIATES. I received notification from them via email and the postal service that I now owed {$400.00} and that I would be reported to a credit agency unless I paid the amount due or submitted a dispute by XX/XX/XXXX. 

I gathered all the redacted bank statements, copies of the original itemized list, and a letter outlining the issue and sent that dispute via USPS on XX/XX/XXXX. USPS stated it was delivered on XX/XX/XXXX, at XXXXXXXX XXXX local time. On XX/XX/XXXX, ALDOUS & ASSOCIATES refused to acknowledge receipt and claimed it could take up to a week before it was received. XXXX week from today is the deadline they gave for the dispute. 

Despite proving to XXXX that I did not owe this money, they continue to insist that I owe a balance of {$290.00}. Similarly, ALDOUS & ASSOCIATES, after receiving my dispute, still claims that I owe {$400.00}. This situation feels deeply unfair. 

After spending hours, which could add up to several work days, dealing with both XXXX and ALDOUS & ASSOCIATES, I am disappointed to find that all they have done is increase the balance they claim I owe. This lack of progress is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
This is in regards to my prior complaint. FNBO is calling me trying to collect a payment. FNBO sent the payment to the wrong account number on my XXXX account. Im having to make payments to XXXX still because of this mistake. I can not afford to make payments to FNBO and XXXX. Im trying to get someone to redo my loan for a new start date after they retrieve the funds that is missing. I dont miss payments are they are going to destroy my credit. Can someone in the loan department please contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: VA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion/ XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX TransUnion/ 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 2024-08-02 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: FL

Complaint narrative:
" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This is a follow up on complaint # XXXX. 
Original description : I have tried to use this gift card at several online merchants such as XXXX and XXXX but none worked. Many other people run into same issue and this is a popular issue of this card. 
AMEX responded saying they would send me a refund check and cancelled the gift card. I still havent received the check until now. I tried to call AMEX customer service but they dont know what CFPB is and refused to help since my complaint wasnt with them originally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XXXX of XXXX, Ally Bank took over my credit card from Ollo Bank. I had had the Ollo card for several years and used it without incident, and always made payments on time. From the moment Ally Bank took over they sent emails letting me know I needed to sign up for their online account to make payments, manage the card, etc. Every time I attempted to do so, their website indicated that they could not find my records ( all of my information was correct ). In the meantime, my card went past dues as I had not received my new card, didn't know my account number nor did I have a phone number to call. Over the next few months, the card did eventually arrive ( now with my account on hold ) and I was STILL unable to create an online account. I downloaded the APP which also gave me the same error message. I eventually called them to make a payment and find out what was happening with my account and was told I had XXXX late payment fees on the account. I brought it up to current and gave them the information about not being able to log-in or use the APP. They assured me that it would be resolved within 10 days. That was in XXXX of XXXX. I have now had to call each month to make a payment, and ask about the status of being able to log-in to see transactions, etc ( I have absolutely no view into anything that may be charged to this card as I have been enrolled in paperless transactions as well! ) Today I was informed by the agent who " helped '' me that she gets these same phone calls at least 15 times a day. In other words, XXXX year into this, ALLY has yet to actually help the clients who are now theirs from the purchase of Ollo Bank. This is ridiculous!! I was able to get them to start sending me paper statements so I can at least see my balance and transactions, but this will be the first time in a year that I will be able to see these transactions and have had to pay hundreds of dollars in late fees and added interest while this remains unresolved. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-02 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: PA

Complaint narrative:
I am a victim of ID theft and Equifax will not remove this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: TX

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am a cosigner on a vehicle. The vehicle Is being financed through Ally Bank. Ally bank submitted a 30 day late payment on XX/XX/year> along with past due remark on my credit which brought down my score over XXXX points. The owner of the vehicle assumed that the payments were being made because they thought it was on auto pay. I was unaware that there was any type of late payment or delayed payment until I looked at my credit and saw the XXXX point decrease because of that 30 day late payment and past due. I called them XX/XX/year> and paid the past due payment as well as the current payment. I called them asking if they can forgive/remove the 30 day payment since I paid everything the day after they reported. While also asking them to submit an off cycle reporting because I am in the process of applying for a business loan and the negative remark Along with the report, showing that it hasnt been paid has been severely affecting my ability to get approved for that loan. They ( Ally Bank ) refused to do both. They have been giving me nothing but a hard time. They refuse to work with me. The next reporting cycle is on the XXXX of this month, XXXX. I have even spoke to them about paying more in advance, so they see that that was a XXXX time fluke. And yet they Refuse to not work with me and or provide me with any type of forgiveness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

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 explanation