vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am being pursued for a rental debt of {$3500.00} by Columbia Debt Recovery LLC dba Genesis, which was referred to them by my former apartment, XXXX & XXXX ( managed by XXXX ). I moved in XX/XX/year> and broke my lease early in XX/XX/year>. I paid all fees in full, including repayment of an 8-week lease concession totaling {$4000.00}. I received a written confirmation from the property manager stating that I was fully settled and clear to move out.

However, two months later, I received a bill and collection notice from Columbia Debt Recovery for a new balance that includes the exact same concession repayment I already paid. I reviewed the ledger and discovered that the apartment had removed the original concession credit from XXXX. This makes it look like I never received the concession and am now being charged for it as if it's a new unpaid balance essentially charging me twice for the same amount. 

Ive tried explaining this to both the apartment and the collector, but the error has not been acknowledged or corrected, and I continue to receive collection notices. Im disputing the validity of this debt due to a billing error that results in a false balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IN

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 
3. Incorrect Contact Information : I request that my new phone number, XXXX, be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to 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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Alliant Capital Management, LLC emailed me on XX/XX/25 stating that I owed a debt in the amount of {$12000.00}. I emailed them back to state that I do not believe the debt is mine and to request additional relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Westcreek Financial
State: OH

Complaint narrative:
I went into a furniture store called XXXX XXXX, which uses qualify as their finance company I never seen any paperwork for the couch I purchased the couch was supposed to be {$1000.00}. The salesman told me. And. He said {$150.00} and some change a month because I told him five times Im on SSI and I only get paid monthly so he went to the computer filled out an application that I never seen and say my payments would be XXXX starting XX/XX/year> when I called the finance company to see if I can switch my payment date they said I agreed to biweekly payments and I did not so I went back to the store. Spoke with the salesman, called the finance company on my phone and put them on speakerphone. They were very rude to me and the salesman. They did not want to work out anything they kept saying I agreed to biweekly the salesman says he filled out the application for a monthly they argued for two hours. I just walked out of the store called Legal Aid, Lawyer referral service and the XXXXXXXX And the Attorney Generals office. Then XXXX  contacted XXXX  XXXX they wrote a statement saying I agree to biweekly payments and thats not true. I agreed to monthly payments of what was in my budget which was {$150.00} which I stated in the beginning. The salesman said no worries but then their statement they say I agree and I did not so now we have a discrepancy. They told XXXX qualify that they were contact me twice. No ones contacted me yet. They say they will put this on my credit if I dont pay biweekly and that was not what I agreed to I tried to return the couch XXXX XXXX says they dont do returns. This was after four days of having the couch. I couldve had a longer contract, but the finance company did not want to work with me so I feel like XXXX stuck because I never seen any paperwork. The salesman filled out all he said was he was doing my application. and they emailed at least to the wrong email address. I didnt find that out till four days later they charge me XXXX to deliver the couch. and XXXX the couch the same day feels like they really forced it on me after what theyre doing now saying I agreed to biweekly payments and I didnt..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
The following inquiries were opened under my social security number fraudulently. These inquiries are in violation of my FCRA rights. I didnt authorize them. The following inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-04 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: AL

Complaint narrative:
The following inquiries were opened under my social security number fraudulently. These inquiries are in violation of my FCRA rights. I didnt authorize them. The following inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>2025, I noticed three transactions pending from my JP Morgan Chase ( " Chase '' ) checking account. I noticed that the transactions occurred at three different grocery stores in three different counties in Wisconsin. I live in Louisiana and have never been to Wisconsin. The charges were for {$140.00}, {$140.00}, and {$97.00}, totaling {$390.00}. After speaking with a representative with Chase, they told me that they would temporarily place the funds back into my checking while they conduct an investigation. 

On XX/XX/year>2025, I received a letter from Chase via XXXX dated XX/XX/year>, stating that after their investigation, they found that the transactions were processed according to the information provided and were authorized, and that they would be removing the {$390.00} that they placed back into my account. 

I immediately contacted Chase and voiced my issues with the money not returning to my account. The representative told me that they exhausted all avenues in their investigation and that I would need to contact the stores myself to try to get my money back. I never shopped at these stores, and it is obvious to me that these purchases made with my debit card information were fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had a credit card through XXXX XXXX via XXXX XXXX XXXX in XXXX. I paid off this account in XXXX. I have the XXXX Accounts 'Paid in Full ' letter. 
I am in escrow, and when running my credit report, only Equifax still showed this account. It showed it with a balance of {$1300.00}. The other 2 bureaus did not show this account at all. I paid the " balance '' on XX/XX/XXXX because it was holding up my XXXX XXXX, but this balance was an inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked Experian numerous times to correct the payment history of one my XXXX XXXX ( XXXX ). They are currently showing late payments when there are no late payments on that account

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 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX placed a collection account on my credit report on behalf of XXXX for a balance of {$120.00} a debt I was never properly notified about. I only became aware of this alleged balance after it was already placed on my credit report. I was never contacted by phone, email, or mail before this negative mark was reported. 

On XX/XX/2025, weeks after the reporting, I received a copy of the final bill clearly showing that documentation and validation were only provided after the account had already been furnished to Experian. In their own response, XXXX XXXX admitted they had to reach out to the original creditor to obtain verification after the fact, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They also claimed they werent notified by XXXX of returned mail, but no actual proof of contact has been provided. Mailing something to an outdated address and assuming it was received is not compliant with FDCPA or the Fair Credit Reporting Act ( FCRA ). If I had been properly notified beforehand, I would have had the opportunity to resolve or dispute the balance and it would not have escalated to being placed on my credit report. 

I submitted disputes to all credit bureaus. The item was removed by all except Experian, despite the same documentation being submitted to each. I am adding Experian to this complaint for continuing to report inaccurate and improperly validated 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 2025-04-04 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: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 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 2025-04-04 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: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
received a text message from XXXX stating they were collecting a debt from the XXXXXXXX XXXX  XXXX XXXXXXXX XXXX for a ticket for failing to display a XXXX XXXX from XXXX. I haven't lived in XXXX XXXX since XXXX and called the XXXX directly to confirm no such citation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: VA

Complaint narrative:
I grounded my lease XXXX XX/XX/year>. I had no remaining payments and fulfilled the entirety of the lease. I confirmed this with U.S. Bank and notified U.S. Bank that I grounded the lease. U.S. Bank reported a late payment on my credit report on XXXX XX/XX/year> and reporting the lease as only 94 % paid off, which is not true. I called U.S. Bank today XXXX XX/XX/year>. The representative confirmed I did not owe U.S. Bank any money, confirmed that I notified U.S. Bank that I grounded the lease, and stated that U.S. Bank charged me a lease payment on XXXX XX/XX/year> and XXXX XX/XX/year>. The representative said it would take up to 30 days to resolve this and that it looked like a bank error. Im trying to get new car insurance and this is negatively impacting me because my quotes are higher due to this inaccurate late payment. I logged into my U.S. Bank account and it is showing a balance of {$3000.00} but U.S. Bank can not tell me why or how to fix it. Im afraid they are going to report this next to the credit bureau. 

Ive already had a very difficult time with U.S. Bank. I previously submitted a XXXX complaint but U.S. Bank said they did not have an account under my name, which is absolutely not true. The original complaint number is XXXX it was submitted on XXXX XX/XX/year>, my complaint above is new information. I am including this complaint for context and to illustrate how incredibly difficult U.S. Bank has been. They wasted my time, money, and now are impacting my credit score which I feel is punitive.

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 2025-04-04 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-04-04 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-04 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:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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