vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
Re : Complaint Regarding Incorrect Debt Reporting and Overcharges by Columbia Debt Recovery LLC, Genesis XXXX XXXX, and XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to formally file a complaint against Columbia Debt Recovery LLC , doing business as Genesis XXXX XXXX XXXX and the original creditor, XXXX XXXX XXXX XXXX XXXX ), for ongoing inaccuracies regarding a debt that has been reported on my credit report. Despite multiple attempts to resolve these issues directly with both companies, I have not received satisfactory responses. 

Summary of the Dispute : The debt in question relates to a balance with XXXX XXXX XXXX for rent and associated charges. I have been disputing charges related to this debt, including discrepancies in rent amounts, late fees, and voluntary buyout fees that were incorrectly added. 
The original balance of $ XXXX has been lowered, but I believe it still includes incorrect charges and overpayments. I have already made payments totaling {$4600.00} towards this debt and believe I have overpaid by {$2500.00}, based on the inaccurate charges. 

Genesis and Columbia Reporting as Separate Entities : Both Genesis XXXX XXXX and Columbia Debt Recovery LLC appear separately on my XXXX credit report, even though they are the same company. This reporting is misleading and has caused unnecessary confusion and complications, especially since both companies report the same debt. 
This has resulted in denials of rental applications for my husband and I, as the inaccurate reporting has significantly harmed our credit rating. 

Attempts to Resolve : I have sent Transparency and Debt Validation Letters to both Columbia Debt Recovery and Genesis XXXX XXXX requesting verification of the debt and removal of the inaccurate charges from my credit report. 
Additionally, I have submitted dispute letters to all three major credit bureaus, requesting the removal of these debts from my XXXX report due to the inaccuracies. 

Despite these efforts, both companies still appear on my XXXX credit report, and their failure to correct these errors has severely affected my credit standing, making it difficult for my wife and me to secure rental properties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
According to the FCRA they are in violation of 15 USC1681e and 15USC1681eb Please See Attached

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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I had a XXXXXXXX XXXX XXXX XXXX that I could not pay off because of covid in XXXX. The account ended up in collections and was reported to the credit bureaus 2 years later around XX/XX/XXXX, so I disputed the account with the credit bureau, explaning the national emergency of COVID, they kindley took it off my credit report ( XXXX, XXXX, and XXXX XXXX ), now the account has reappeared on XX/XX/XXXXXXXX  for the amount of {$1800.00} under the creditor transworld system inc. I dont know what to do. This is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a student loan with citizens to help with college expenses. The loan amount was for XXXX with a fixed interest rate and to be paid MONTHLY. I have been paying the loan back on time, for going on 6 years now and the loan has not decreased at all in payoff balance. Matter of fact it still says I have 112 payments left to pay. With my payoff balance stating over XXXX that is left to be paid. My payments each month are XXXX. At this point I have met or overpaid the initial balance. Citizens lending process is predatory and the repayment procedure is actually criminal. If I were to continue paying this loan each month I would have paid them twice possibly three times the amount of what was borrowed. As some one who has other outstanding loans that have been paid off completely or close to being paid off and started after securing this student loan there is no reason why I should still be paying them anything. Citizens has never reached out to me regarding this loan and has never offered further assistance beyond the initial payments. I want the company and their lending process to be looked in to and I want to be free from having to continue to pay this loan since I have already repaid my initial disbursement amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

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 2025-03-31 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:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, NY 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 2025-03-31 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureau 's errors and update my records. Here is the list of accounts : 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 non-monetary relief
Consumer complaint received 2025-03-31 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: DISCOVER BANK
State: PA

Complaint narrative:
I put in major fraud disputes with all 3 credit bureaus who have also failed to act. They all claim internal investigations find that no fraud was. Recently, I discovered a company on my credit profile XXXX ( XXXX XXXX ), verified it was me paying because I had a bank account connected to their platform from 2.5 years ago. This company gives out lines of credit to pay off credit cards connected to it, easily targeted for fraud. Not to mention my 30+ data breaches that are still ongoing. However, that account was closed due to fraud. 2+ years ago. That same XXXX account is associated with XXXX  XXXX XXXX, and likely made payments on your platform. In addition, the XXXX  XXXX XXXX cards on my report were removed by all 3 bureaus due to fraud. Please see all documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Report of XXXX Scam I am writing to report a XXXX scam that I recently fell victim to. The scammer 's XXXX number is [ insert number ], which I believe is from XXXX. 

Details of the Scam : - The scammer contacted me through XXXX, claiming to be from the XXXX XXXX. 
- They provided false information and asked me to send money using an Apple card or other payment methods. 
- I have taken screenshots of our conversation, which I have attached to this report. 

Actions Taken : - I have already filed a report with the FBI ( report number : [ insert number ] ) and my local law enforcement agency ( report number : [ insert number ] ). 

Request for Assistance : I kindly request that the XXXXXXXX XXXX XXXX XXXXXXXX assist in investigating this matter. I believe that the scammer is operating from XXXX and would like to provide any additional information necessary to aid in the investigation. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MN

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, DOB : XX/XX/year> am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion 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 consist of personal credit card account opened at XXXX XXXXaccount number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXXXXXX XXXX  account numberXXXX, XXXX XXXX account number:XXXX XXXX XXXX  account number:XXXXXXXX XXXX XXXX XXXX XXXX account number:XXXX. These accounts have resulted in several fraudulent hard inquiries and 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 FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, DOB : XX/XX/year> am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion 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 consist of personal credit card account opened at XXXX XXXXaccount number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXXXXXX XXXX  account numberXXXX, XXXX XXXX account number:XXXX XXXX XXXX  account number:XXXXXXXX XXXX XXXX XXXX XXXX account number:XXXX. These accounts have resulted in several fraudulent hard inquiries and 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 FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is to request the removal of the fraud alert on my personal 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 explanation
Consumer complaint received 2025-03-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-03-31 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: IL

Complaint narrative:
I appreciate you making the effort to remove some of the data on my credit report, but there are still some accounts that need to be fixed. The Credit Bureau must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I was charged {$1500.00} by XXXX XXXX XXXX XXXX when exiting a public parking lot with a broken machine. The attendant manually swiped my United Airlines Chase card. No receipt was issued. 

A month later, I noticed the charge and contacted Chase. My fraud claim was denied due to lack of receipt. I tried to dispute the charge but was told it was outside the 60-day window. 

I later discovered that the charge was initially reversed on XX/XX/2024, but then recharged again without my consent for the same amount ( {$1500.00} ) under the same merchant. Both the charge and re-post occurred on XX/XX/2024, but posted differently. 

I have provided Chase with a formal dispute letter, photos of the merchants contact numbers, a timeline of my outreach, and proof of the duplicate billing. The merchant has since changed ownership and the new company has no record of the charge. 

I acted in good faith and with diligence but was delayed due to the merchants unresponsiveness. I am requesting CFPB assistance to :

Company response to consumer: Closed with explanation