vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Genesis Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt Due to Identity Theft Dear, Genesis Credit Management LLC I am writing to formally dispute the debt associated with my account [ Account Number ], which I believe has resulted from identity theft. As a victim of this crime, I am deeply concerned about the impact this debt is having on my ability to secure a mortgage for my familys new home. 

Since the XXXX and XXXXXXXX XXXX XXXX, my residence has been severely affected by flooding, leaving me unable to live in my own home. With XXXX feet of XXXX XXXX my property, I am left with no choice but to purchase another house. However, the derogatory remark reflected on my credit report due to this fraudulent debt is an unfair practice that is hindering my ability to move forward. 

According to consumer laws, specifically 15 U.S.C. 1635 ( Consumer Credit Protection Act ), 15 U.S.C. 1681 ( Fair Credit Reporting Act ), and 15 U.S.C. 1681h ( Dispute Procedures ). 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2024, I opened a personal checking and savings account with Chase. I deposited a mobile check on XX/XX/XXXX and XX/XX/XXXX and both were processed with a 2-day hold. I then opened a business banking account as a sole proprietorship on XX/XX/2024 with no issue. On XX/XX/2024, I visited a Chase branch on XXXX XXXX to deposit checks into both the personal checking and business checking account. No issues were raised at that time. About an hour later, I received an email with a subject titled Important : Please contact us- To help protect against fraud, we restricted and MAY need to close your account soon. I contacted the number provided and they stated that Chase will be closing my accounts. After asking for a reason 6 times, no reason was provided. I went back to the branch to provide my ID and understand why my account was being closed after depositing a total of $ XXXX of personal money and $ XXXX of business money into the accounts. No reason was able to be provided after speaking with bankers at the XXXX XXXX location in XXXX, the manager at the XXXX XXXX XXXX XXXX  and the manager at the XXXX XXXX location. I offered to provide any proof they needed, including but not limited to my social security card, license, passport, marriage license, birth certificate. After spending about 8 hours of time on XX/XX/2024 to understand why Chase was doing this, no answer was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was able to make my credit card account payments with my debit card since I've had the two cards. I made my last payment with my debit card on XX/XX/year> with a debit card. Now they will not accept my payment method and have charged me late fees because of it. The said I can make an ACH payment but that is too slow and unacceptable. Please remember not everyone has the luxuries of being caught up on bills, some of us are behind so if we let money sit in our bank accounts it will get taken up by some other entity. Debit card payments allow us to make those payments right now while we have the money. This is another example of a punishment against the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I met the scammer through a friend-making app called XXXX. She told me that her ex had kicked her out and that she was in urgent need of money to cover expenses until her paycheck arrived on Friday. She promised to pay me back as soon as she received her paycheck. Over the course of a few days, I sent her multiple payments through Cash App, totaling {$440.00}. On the day she was supposed to pay me back ( XX/XX/year> ), she stopped responding to my messages and blocked my phone number, making further contact impossible. I later realized that she had no intention of paying me back and that her story was fabricated to manipulate me into sending her money. The transactions were made under the name " XXXX XXXX '' on Cash App. I believe this was a scam designed to exploit my trust and kindness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: DISCOVER BANK
State: CA

Complaint narrative:
I am submitting a formal complaint against Discover Bank for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) related to their handling of my account, Account # XXXX. These violations have caused substantial financial harm, emotional distress, and injury to my credit reputation. 

Discover Bank has reported inaccurate, unverifiable, and erroneous information regarding this account on my credit report. Despite my consistent efforts to resolve this issue, including the submission of six dispute letters that clearly identified the inaccuracies and missing data points, Discover Bank has failed to provide any supporting documentation to verify the legitimacy of the information being reported. 

As you know, the FCRA requires furnishers to investigate and verify disputed information. When they can not do so, they are legally required to correct or remove it from the consumer 's credit report. Discover Bank has not fulfilled these obligations. Instead, they have persisted in reporting inaccurate and incomplete information, despite clear evidence challenging the validity of the account details. 

This misconduct has caused significant harm to my creditworthiness, restricted my ability to secure new credit at fair interest rates, and negatively affected my personal and professional reputation. I am aware that other consumers have reported similar issues with Discover Bank, which raises serious concerns about systemic noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account XXXX XXXXXXXX capitol one Card was Use Fraudulently. Bal was paid in full XX/XX/year> it was a XXXX balance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number of XXXXXXXX XXXX opened on XXXX XXXX under the account number XXXXXXXX XXXX on XXXX XXXX under the account number XXXX, XXXX opened on XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3900.00} under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number of XXXXXXXX XXXX opened on XXXX XXXX under the account number XXXX, XXXX on XXXX XXXX under the account number XXXX, XXXX opened on XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3900.00} under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with non-monetary relief