vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
When disputed response investigation was over in less than 2 days. No information was requested from the originator and Per Nevada state law NSR 118A.345 I am not responsible for the amount owed. I was a victim of XXXX XXXXXXXX and was in fear for my life.my car had been broke into the office was made aware of that as well as threats and XXXX the office manager was also given a written notification that I would have terminated my lease. I also provided him with a police report as well. XXXX was very upset, due to them losing resident around Covid. I even attempted to pay for the month that I moved and I have an email where XXXX declined what he considered to be partial payment. He demanded full payment ( lease termination fee included ). Although I followed the laws of Nevada. They should be charging individual listed in police report. ( Although he is currently in jail for assault on law enforcement office ). An attempt has been made to not only have this removed but per NSR118A.242 my deposit should have been returned and it was not. There were claims of damages done to the property when photos were requested none were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Weve received your complaint ( s ).

Well send you updates about your complaint ( s ) along the way, but you can track the status of your complaint ( s ) at any time on your Consumer Portal. 

COMPLAINT ID ( XXXX ) XXXX SUBMITTED ON XXXX XXXX XXXX basically i had the complaint on a previous email and phone that was compromised and I'm writing to you to reply to my new email and phone number once the answers are ready for me to see ..... 
old email that was compromised is XXXX and old number that is compromised is XXXX. 
please do not reply to this above about my complaint on titlemax ..... 

new email is XXXX new number is XXXX thank you and many blessings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
Inaccurate information regarding this account. Information on file isnt accurate. Company did not do proper investigation or research to support credibility. Did not take into consideration of identity theft report that is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, McCarthy, and all active collection agencies attempting to collect on fraudulent, disputed, or unverified debts in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and other consumer protection laws. These entities have engaged in : Unlawful collection attempts on unverified debts Failure to provide proper debt validation upon request Attempting to collect on debts past the statute of limitations Harassing and misleading communication tactics Unlawful credit reporting of invalid debts These actions have caused significant financial harm, emotional distress, and damage to my creditworthiness.

1. Violation of Debt Validation Requirements ( 15 U.S.C. 1692g ) XXXX XXXX XXXX and McCarthy have continued collection attempts despite my formal dispute and requests for proper validation.

Under 15 U.S.C. 1692g, a debt collector must provide full validation upon request, including original contracts, itemized statements, and proof of ownership of the debt.

These agencies failed to produce this required documentation, yet continued collection efforts unlawfully.

2. Misrepresentation & False Collection Practices ( 15 U.S.C. 1692e ) These agencies have engaged in deceptive and misleading representations regarding the alleged debts.

15 U.S.C. 1692e ( 2 ) prohibits false representation of the legal status of a debt, including claiming a debt is owed when it is not. 
XXXX & McCarthy have failed to provide legally required validation, making their collection attempts fraudulent and unlawful. 
3. Unfair Collection Practices & Unlawful Credit Reporting ( 15 U.S.C. 1692f ) Under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect a debt.

These agencies have reported unverified debts to credit bureaus in direct violation of FCRA ( 15 U.S.C. 1681s-2 ).

They have also failed to properly investigate disputes, violating 15 U.S.C. 1681i ( a ).

4. Collection of Time-Barred Debt ( Statute of Limitations Violation ) Some of the debts they are attempting to collect are beyond the statute of limitations for collection and legal enforcement.

Attempting to collect on time-barred debts violates FDCPA, as it misleads consumers into believing they are still legally obligated to pay.

5. Unlawful Communication Practices & Harassment ( 15 U.S.C. 1692c, 1692d ) These agencies have engaged in harassing, threatening, and excessive communication tactics, violating 15 U.S.C. 1692d.

They have continued to contact me despite my demand for all communication to be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The Consumer Financial Protection Bureau 's ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Information under 15 U.S. Code 1681 Dear CFPB I am writing to formally dispute certain inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Upon reviewing my credit report, I discovered incorrect and unverifiable information related to the following accounts : Upgrade ( Account # : XXXXXXXX XXXX ( Account XXXXXXXX XXXXt ( Account # : XXXX Santander Consumer ( Account # : XXXX Nature of Dispute : The reported information on these accounts is inaccurate, misleading, or unverifiable. Specifically, I request a thorough investigation into these accounts for possible errors, including but not limited to : Incorrect balance or payment history Inaccurate account status ( e.g., open/closed, delinquent, etc. ) Unverified or unauthorized reporting Inconsistencies with my records Request for Action : Under 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days and provide me with written results of your investigation. If your investigation finds that these accounts can not be verified, they must be removed from my credit report immediately. 

Supporting Documents Enclosed : I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted A copy of my government-issued ID and proof of address Any relevant supporting documents Please update my credit report accordingly and provide a written confirmation of the results of your investigation. If these accounts are not corrected or removed, I request a statement of how they were verified, including the name and contact details of the entity that provided the information. 

Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent XXXXXXXX XXXX Account Dear Experian Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXXXXXX XXXX XXXX XXXX account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Accounts : * Creditor Name : XXXXXXXX XXXX XXXX Account Number XXXX * Date Opened : XX/XX/XXXX * Creditor Name : XXXX XXXX  * Account Number XXXX * Date Opened : XX/XX/XXXX I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information.

Due to your willful noncompliance, I am prepared to file a lawsuit against Experian in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that Experian : 1. Immediately and permanently remove the fraudulent Discover Bank account from my credit report.

2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding Experians continued failure to comply with federal law. 
This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I did not consent, nor benefit from, or authorize any of thr following Account : XXXX. APPLE CARD/GS BANK - Account # XXXX - {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank closed my Sam 's and Lowe 's credit card saying I have unsatisfactory obligation with them. I recently tried to open a credit card with ROOMS TO GO and was sent a notification that I was denied for the following reason : Prior unsatisfactory obligation with Synchrony Bank. I checked with all three credit reporting agency and there is no such thing on my reports. I believe they have me confused with someone else.

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 2025-02-23 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 have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by 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 2025-02-23 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Monday XX/XX/year> I was scammed of the amount {$7000.00} by a man named XXXX XXXX who claimed he was a Cash App agent to help me with my account transactions. He had me download an app called XXXX XXXX XXXX which broadcasted him to my phone. He told me something was going wrong with my cash app card and I would have to send my money to a different cash app card to get unlimited transactions but he really had me send my money to his card without my knowledge and it said it sent to XXXX XXXX. I asked him to return my money to the original card and he acted confused that he wasn't able to send it back. So I would like to report fraud and have my money returned to me. The number he posted on the website I called was ( XXXX ) XXXX. And the card he had me send the money to ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and XXXX credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all 3 of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and XXXX credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all XXXX of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items to be inaccurate. Despite multiple dispute attempts, these issues remain unresolved. Below are the details, including violations of federal credit laws that justify the removal of these negative items. 

1. Inaccurate Negative Accounts The following accounts are being reported inaccurately and unverifiably : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Since the furnishers have failed to provide proper validation, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

2. Unauthorized Hard Inquiries There are multiple hard inquiries on my credit report that I never authorized, violating FCRA 1681b ( a ) ( 2 ) : * 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 Under FCRA 1681b ( f ), consumer reports can not be accessed without a permissible purpose. Since I never applied for credit with these entities, these inquiries must be removed. 

3. Dispute History I have disputed these inaccuracies with the credit bureaus on : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), they had 30 days to investigate but failed to verify or delete the disputed items, violating federal law. 

Requested Resolution I request the following corrective actions : 1. Immediate deletion of the disputed accounts if unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).
2. Permanent removal of unauthorized inquiries under FCRA 1681b ( f ).

3. Written confirmation that these items have been removed. 
Failure to comply may result in further action under FCRA 1681n for willful noncompliance. I request CFPBs assistance in ensuring my credit report reflects only accurate and verifiable information.

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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items to be inaccurate. Despite multiple dispute attempts, these issues remain unresolved. Below are the details, including violations of federal credit laws that justify the removal of these negative items. 

1. Inaccurate Negative Accounts The following accounts are being reported inaccurately and unverifiably : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Since the furnishers have failed to provide proper validation, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

2. Unauthorized Hard Inquiries There are multiple hard inquiries on my credit report that I never authorized, violating FCRA 1681b ( a ) ( 2 ) : * 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 Under FCRA 1681b ( f ), consumer reports can not be accessed without a permissible purpose. Since I never applied for credit with these entities, these inquiries must be removed. 

3. Dispute History I have disputed these inaccuracies with the credit bureaus on : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), they had 30 days to investigate but failed to verify or delete the disputed items, violating federal law. 

Requested Resolution I request the following corrective actions : 1. Immediate deletion of the disputed accounts if unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).
2. Permanent removal of unauthorized inquiries under FCRA 1681b ( f ).

3. Written confirmation that these items have been removed. 
Failure to comply may result in further action under FCRA 1681n for willful noncompliance. I request CFPBs assistance in ensuring my credit report reflects only accurate and verifiable information.

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed my debt collection with the credit bureaus several times and the information continues to come back verified. I do not believe that they are completing a full investigation on my accounts. I do not have any knowledge of this debt. The negative item does not meet the FCRA reporting requirements. I do not recognize how and why this information is reporting and must be deleted immediately. This is in violation of FCRA laws ( 15 USC 1681b ), ( 18 USC 894 ), and ( 18 USC 1028A ). Please verify and provide that I have an agreement contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please provide information for the process that you used to complete an investigation regarding my previous dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
I do not recognize the following addresses, and I want to have them removed from my report. Thank you. 

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 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