vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2024-09-23 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: MI

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX {$840.00}, XXXX XXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX XXXX {$830.00}

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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX has been relentlessly harassing me with phone calls at odd times in the night as well as weekends for the last 2 years. They have consistently used derogatory language and have talked down to me on more than one occasion by threatening defaulting/potential legal action. 

Also, I set a payment amount/date of {$300.00} on XX/XX/XXXX to be taken out on XX/XX/XXXX but they went foreward and took out {$300.00} on XX/XX/XXXX. I tried calling them and emailed them the issue but no response. They also harass me via text and have somehow found my work cell phone number as well. Very predatory behavior and I don't know which way to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a form to Ability Recovery Services requesting contact and sent a debt validation letter asking them to verify the debt they reported to XXXX, XXXX, and XXXX. They did this without notifying me or allowing me to dispute it, as required by the FDCPA before reporting to credit agencies. Ability Recovery Services violated the FDCPA. I've been keeping records for a consumer law attorney due to multiple attempts to address this issue with the company. It has been well over 45 days for this company to respond. Requested information : Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt.

Please furnish legible copies of the following : 1. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt.

2. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization.

3. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission 4 . Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the HIPAA and Georgia medical privacy rules . I also hereby reserve the right to pursue civil action to recover damages.

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 2024-09-22 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report from Milestone Card, I never signed ANYTHING FROM THEM!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: AK

Complaint narrative:
Late Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX Transunion Credit Agency XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Transunion Credit Report and I noticed that late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this LATE PAYMENT from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards, 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and it has to be removed.

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 2024-09-22 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: GA

Complaint narrative:
XXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and it has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitol One is continuing to sabotage my life by not giving me access to my account. They refuse to give me access to my account to make payment, so they are attempting to ruin my credit score due to there issues. I made payment on the phone to try and save my account only to see my bank was never charged for it. So I have no idea if payment went through or not. The agents lie to me on the phone. They did not answer the last complaint I filed against them.

THIS HAS TO BE CRIMINAL. How is a credit card company allowed to not give me access to my account so I can be financially responsible for the money I owe? If they won't want me to use the card for purchases, that's fine by me. I'll get a different credit card from a different company. But to ensure I can't be financially responsible is a way of sabotaging someone's life because the credit borough will come after me and ruin my credit score and other things I need in life all because Capitol One won't give me access to my account. It's actually pure insane to me at this point as I've been yelling at these people on the phone I have never heard a story like this before so its being done on purpose. 

I sent XXXX verified documents of myself. More than enough to prove my identity as I've been using this card for like 10 years now. 

What I find the most absurd is that they don't believe it's me but they believe enough for me to make payment on the phone while I had to give the agent my routing and banking number. It's criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I am having trouble with the credit bureaus lack of investigation into very important errors that are showing up on my reports. I sent the letters along with verifying documents and they have not investigated and removed or corrected the listings. They are falsely verifying things that show up differently on other reports. They are in violation of the law and I need help because they are not doing what they are supposed to do and it is causing me a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Regarding Whom It May Concern : I am submitting this letter to challenge an unlawful inquiry that was made on my credit report. I was wondering about a XXXX XXXX XXXX to pay some bills, I never got the loan and I HAD NO IDEA THAT IT WAS GOING TO BE AN INQUIRY ON MY 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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent letter in the mail for debt validation been 3 months and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe it was around XX/XX/year> or XX/XX/year> even I logged in to my XXXX XXXX. It showed I had outstanding odds on a XXXX  XXXX card and that I could apply for it, without it affecting my credit. So after letting my partner know that it wouldn't affecting my credit, I tried it. The following day I log in to my XXXX XXXX and it shows I had a HARD inquiry and my credit dropped XXXX points. I feel mislead. The only reason I tried it was because it said it wouldn't affect me. So I feel scammed. I contacted XXXX XXXX and the representative said I could dispute it as a fraud because I didn't authorize it.

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 2024-09-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Urgent Request for Removal of Inaccurate Business AccounXXXX XXXX XXXX ( Account No. XXXX ) Dear Sir/Madam, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame.

TILA Violation : Under 15 U.S.C. 1640, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX XXXX account ( Account No. XXXX ) from my credit report within seven ( 7 ) days of receiving this letter.

Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit Report is showing an account of consumer XXXX XXXX XXXX XXXX and they call and XXXX  Me daily about an account that was included in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of XXXX XXXX XXXX of a purpose of Consumer Reporting under which section XXXX never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports

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 2024-09-22 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Governs access to the consumer credit report, records and promotes accuracy fairness and privacy of personal information. assembled by credit reporting my information was exposed to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
XXXX XXXX XXXX is in collections in a closed status with a balance. please remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud.

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation