vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I filed a previous complaint because my identity was stolen and used to try and obtain a tax refund and a new card. 
I used to have a card with Capital One and did not renew it when it expired. I question how Capital One recently reviewed my credit information when my credit file is locked and there is a fraud alert on it. 
1 ) Did someone apply for credit in my name?

2 ) I do not want a credit card from Capital One and I want my name taken off its mailing list.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning, I would like to report that I was a victim of identity theft an account was opened on my name in 2021, I was called by a collection agency, XXXX XXXX XXXX, told them it was fraud and they sold it to a different collection agency, XXXX XXXX XXXX it reflected on my Transunion credit report, I made the police report and called the collection agencies reporting this was fraud, however it still appears in Transunion, I called the original lender XXXX XXXX they said they can not do nothing since the account was opened at a place called XXXX XXXX ( XXXX ), I called them and told them that I was a victim of fraud and they told me that for that I have to contact the collection agency they sold it to, which I had reported fraud too, seems like no one is helping erase this from my credit report in Transunion, even though the collection agencies know about the fraud and I have not been responsible for paying. I sent the request a trans union, but they send me a letter stating that they are not going to erase this report even though there is a XXXX dollar balance ( picture attached ). I called the person in my company helping the employees with cyber security and she recommended for me to file this complaint since XXXX XXXX has not acknowledged this was fraud and is still appearing on my credit report even though there is no balance to pay.

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 2023-04-17 00:00:00
Product: Debt collection — Mortgage 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: NC

Complaint narrative:
I have reached out to the company XXXX XXXX XXXX several times i even sent certified mailed with my id proof of address and dispute letter along with ftc and police report that was received on XX/XX/XXXX according to when the slip was signed for acceptance I sent it by certified mail because first kept saying they didnt receive certain things basically giving me the run around but it was finally signed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances one they are report for XXXX and each month adding interest then the other is XXXXwhich it should not be a balance that violates the and should be removed on those grounds according to The FCRA Protects You From Credit Report Errors Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. well I have submitted where I was staying during the time period multiple fta reports and police report and confirm my identity also XXXX XXXX has given me such a hard time for the past XXXX months and their website does not allow me to log on and dispute all the other credit bureaus have removed this item however XXXX is avoiding me and I spoke with ally XXXX XXXX from fraud special Handling and she was rude and hung up on me I would like the call monitored before doing so she also told me that the forms I sent by certified mail could not be combined with the forms from XXXX XXXX that I sent it by cfpb but they are the same company why cant you use the same documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
reporting company claims without contacting me first which is a violation showing late payments having negative items on my report these are all violation by these credit reporting agency ... .i wrote an d send in declaration showing and telling these company that they in violation but they keep doing the same thing ....

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed inaccuracies multiple times. Account where fixed and removed by XXXX and XXXX but Equifax refuses to address the disputed issues and keeps verifying them as accurate without looking into them or sending me any information on the actual dispute of the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We have a Chase Visa freedom card. We noticed a series of {$10.00} fees that were appearing on our statement without explanation. When we contacted the credit card company, we were told that these were cash advance fees, even though we were not asking for cash advances. The representative claimed that when the credit card was used with an app called XXXX, that is how it was coded in the system. She said this was disclosed on XXXX website. we asked her to identify where, on XXXX website this was disclosed, and she then pretended to know, and when we pressed her was unable to find it. She was an account supervisor in the customer service department at Chase from their Missouri office, and her name was XXXX. When we confronted her with the fact that she had misrepresented the disclosure, and that she knew where it was, she hung up the phone on us. The total amount of fees is {$170.00}. The call took place on XX/XX/XXXX at approximately XXXX XXXX ET, from our phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
reporting company claims without contacting me first which is a violation showing late payments having negative items on my report these are all violation by these credit reporting agency ... .i wrote an d send in declaration showing and telling these company that they in violation but they keep doing the same thing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I currently have an open case on this # XXXX. I am going to upload my drivers license and ssn. I spoke to a customer service representative this morning and they said I have a fraud alert on there until next year which I didn't ask for. There was a suspicious fraud activity which I resolved myself. It was a debt consolidation company that popped up on my report from a year and a half ago. They removed the address from my report but the fraud alert is still in place. I confirmed what I needed to confirm with the rep and the voice prompts yet I still failed. I need the fraud alert removed. The file number that the Transunion rep provided me with is # 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi
State: AL

Complaint narrative:
Company is refusing to accept full payment of the account balance. All previous payments have been made via ACH bank transfer. The company is now refusing to process the payment via bank account and requiring me to use payment methods that will incur additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
a fraud was in process on my Capital One credit card. I contacted Capital One while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with Capital One. Weeks later Capital One started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago Capital One stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, XXXX credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, XXXX ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
In XX/XX/2022, I placed an order through Affirm, for XXXX XXXX  in the amount of {$3900.00}. 

In XXXX of 2022, I received notice from XXXX that my order was cancelled, due to a dispute with the warehouse and that they would NOT be refunding my money and that I should file a dispute with my bank, which I did, as instructed. 

I never received the furniture. XXXX XXXX  has ceased communication with me and have XXXX my account on their website. I filed a complaint with the XXXX  without resolution, as XXXX never responded. 

I will not pay for items I never received, Affirm should contact XXXX for their money, as they did not fulfill their contractual agreement to deliver goods on receipt of funds and refuse to acknowledge their debt to Affirm or me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
At the end of XXXX of XX/XX/XXXX, I purchased dance shoes on XXXX for my daughter, 3 times total due to the sizing. The first two pairs were returned, we kept the 3rd pair. I received a refund for one of those in my bank account but the other refund that XXXX did process never reached my bank account. I reached out to XXXX towards the end of XXXX to report the issue. I spoke with XXXX on several occasions and they stated the refund was sent to my bank account when they sent me a confirmation email stating the refund had been processed. They stated it is now out of their hands and up to Bank of America to locate the refund. I provided Bank of America with the transaction ID that XXXX stated usually helps them locate the refund in situations like these and I also forwarded Bank of America all of the emails from XXXX showing that they did process the refund. I even called XXXX with a BOA supervisor on the phone and he was able to hear XXXX state that they did process the refund. However, whenever BOA calls XXXX on their own, BOA reports back to me that XXXX states the item was never returned which is bizarre because I have proof that it was, proof that XXXX sent the refund and XXXX has never stated such a thing to me, ever. I escalated the issue to the XXXX  around XX/XX/XXXX. They were able to get XXXX XXXX from the Regulatory Complaints Department to reach out to me. She called me on XX/XX/XXXX @ XXXX. However, she called on my birthday and I completely missed her call. I called her back immediately the next day, left a voicemail and called a few other times and did the same during the month of XX/XX/XXXX. XXXX never once returned my call. I even had the XXXX  reps I was working with reach back out to XXXX to return my call and she still did not. Instead, she just closed my case once the XXXX  started reaching out to her. I had requested that BOA and myself conference in XXXX like I did in XXXX so this could be resolved but this request fell on death ears and I just kept receiving the same response that I didn't return the item. The XXXX  closed my case in XX/XX/XXXX, stating the issue had been resolved in the customer 's favor which was not true at all.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within XXXX of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : XXXX XXXX XXXX balance {$32.00} 150 days late Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief