vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
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: TX

Complaint narrative:
I received an inaccurate, erroneous, and false debt collections letter from " Columbia Debt Recovery XXXX, '' d/b/a " Genesis '' ( hereinafter " Genesis '' ). For the avoidance of doubt, and for the sake of emphasis, nothing in this Complaint is an acknowledgment or admission of the accuracy or existence of any debt allegedly asserted to be owed to Genesis.

Within 10 days of learning that Genesis had attempted to contact me regarding this false debt ( hereinafter " False Debt '' ), in accordance with the Fair Debt Collection Practices Act ( " FDCPA '' ), Genesis was contacted with a request for validation and verifying information ( the " Validation Requesting Letter '' ). This contact occurred via the methods and contact information explicitly provided by Genesis.

This request for verification, validation, and alleged proof of False Debt included a request for, including but not limited to : a ) the names of the creditors and account information to whom the False Debt is allegedly owed ; b ) the amount of the False Debt, including supporting documentation ; and c ) details about Genesis ' authority to collect the False Debt. The Validation Requesting Letter has been attached in its entirety via the Complaint submission form. Additionally, I have provided the metadata of the Validation Requesting Letter, which proves that it was created and last modified on the date that it was sent to -- and received by -- Genesis.

Contrary to the requirements of the FDCPA, Genesis did NOT provide notice or an adequate response to the Validation Requesting Letter. None of the information requested of Genesis was provided, nor was any additional notice proffered. No information or validation was given regarding any of the details, information, or proof of the False Debt. 

As of today, XX/XX/2024, I have been informed that Genesis has filed a " Derogatory Mark -- XXXX XXXX XXXX Collections '' with at least the credit reporting agency XXXX. In parallel with this Complaint, a complaint and dispute is similarly being filed with XXXX to dispute this XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
Transunion: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX  ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ).

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: MS

Complaint narrative:
I have repeatedly asked Equifax to remove these hard inquiries. Starting with XXXX XXXX on XX/XX/2022 global lending service XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 consumer portfolios XX/XX/2022. I have been met with the same response it is public information and factual information and can not be changed. These inquiries were a result of a breach. And are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

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 with XXXX  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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXX XXXX # XXXX, XXXX  Accounts # XXXX, # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was settled per the settlement agreement attached yet XXXX XXXX did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was settled per the settlement agreement attached yet XXXX XXXX did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DriveTime
State: FL

Complaint narrative:
DriveTime also collected what was said " required '' downpayment in the amount of { {$790.00} } which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) DriveTime and XXXX are now liable to me, my finance charge is XXXX and was added to me amount financed ( XXXX ) for double the finance charge. Also DriveTime also didnt include insurance in the finance charge nor other fees this is a violation of 15 USC 1605 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute inaccurate items on my credit I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: AL

Complaint narrative:
My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I have a lot of inquiries on my credit report and I did not apply to any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently upheld timely payments on this account, preventing any overdue instances. I'm unclear about the rationale behind the late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, adjustments should be enacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
In accordance with the fair act credit reporting.The list of accounts below has violated my federally protected consumer report privacy and confidentially under 15 USC 1681.Account # XXXX XXXX XXXX XXXX and account # XXXX. 15 u.s.c 1681 section 602 A.States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the finding items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : Transunion reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect XXXX reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX XXXX has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief