vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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.

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 2024-04-06 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I would like you to complain the comment on my credit report accessed though email XXXX. On page 5, it says we received [ my ] request to remove a fraud alert from [ my ] personal credit report. Our records indicate that [ my ] credit report does not display a fraud alert. I have not requested to remove a fraud alert. Same as XXXX XXXX, which I requested your company why this XXXX XXXX was added before my identity theft issue started. 
Since I am a vulnerable by receiving Identity Theft number and many suspicious fraud activities around me, I will never request to remove my fraud alert. Since I realized another employee, which oversees XXXX, XXXX to see my report through its website, I wonder whether I can see correct credit report from your company. Also, I request whether your company added security freeze at your headquarters. Without reliable report, we can not make sure that your company adds those essentially important matters. I just wish I will meet a reliable credit report company in future, after these years with fraud alert. 
Sincerely,

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 2024-04-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-06 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: VA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX I received text msg from Bank of America regarding to suspicious activity on my credit card at XXXX XXXX, I replied that was an unauthorized purchase, and i have a reply from bank of America saying my credit card was restricted. On XX/XX/XXXX, I saw 3 transaction on XX/XX/year> with a total of {$310.00} that I didn't authorize. I called Bank of America on XX/XX/XXXX to file a claim, stated I wasn't personally at any of those stores, and my credit card was at home and I didn't authorized anyone to use my card. Bank of America set up a claim with claim number XXXX, and temperately credited the amount of amount. On XX/XX/XXXX, bank of America stated, as the transactions were read through the chip on the card and pin was entered, that indicated me or someone i allowed to use my card was present. 

I have prove that i wasn't presented at the store nor authorized anyone use my card. Bank of America failed to present any documents with my signature or prove of me authorizing my card and refuse to refund the amount that was a scam/unauthorized transaction.

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 monetary relief
Consumer complaint received 2024-04-06 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: GA

Complaint narrative:
ADDRESSES TRANSUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEAR SIR/MADAM, UPON PULLING MY CREDIT REPORTS FROM XXXX, XXXX, AND TRANS UNION , I DISCOVERED THAT YOU HAD REPORTED FRAUDULENT INQUIRIES WITHIN MY CREDIT FILE. THIS ACCOUNT HAS PREVIOUSLY BEEN DISPUTED WITH YOUR COMPANY, WHICH ADVISED ME TO CONTINUE THE DISPUTE WITH YOU. MY CREDIT FILE HAS BEEN IMPACTED BY THESE FRAUDULENT INQUIRIES. THE BELOW CREDITORS HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. IN LIGHT OF THE FACT THAT THERE IS NO EVIDENCE OF MY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE, I REQUEST THAT YOU REMOVE THESE AUTHORIZED INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY. 
IN ACCORDANCE WITH SECTION 604 OF THE FAIR CREDIT REPORTING ACT, CONSUMER REPORTS MAY ONLY BE USED FOR THE PURPOSES DESCRIBED IN 15 U.S. CODE 1681B IN GENERAL. SUBJECT TO SUBSECTION ( E ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( F ) OTHERWISE HAS A LEGITIMATE BUSINESS NEED FOR THE INFORMATION ( I ) IN CONNECTION WITH A BUSINESS TRANSACTION THAT THE CONSUMER INITIATES.

UNDER 15 U.S. CODE 1681I, PARAGRAPH ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL- ( I ) PROMPTLY DELETE THE FOLLOWING INQUIRIES ARE UNAUTHORIZED : CREDITORS/INQUIRIES DATES APPLIED 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 To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ).

In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report.

These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
Respectfully,

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 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am writing to formally address a matter of utmost concern regarding the persistent harassment and fraudulent debt collection attempts perpetrated by Columbia Debt Recovery LLC, operating under the alias Genesis. Over the past several weeks, I have been subject to unwarranted phone calls, unsolicited correspondence via USPS mail, and relentless email communications, all in relation to an alleged debt amounting to {$4800.00} purportedly owed by XXXX XXXX XXXX. 

It is imperative to note that I, as the natural living individual named XXXX XXXX, refute any association with the purported debt claimed by Columbia Debt Recovery LLC DBA Genesis, or XXXX XXXX at XXXX. These allegations are baseless and amount to nothing short of fraudulent targeting against my person. 

Furthermore, upon conducting thorough research utilizing the National Multistate Licensing System ( NMLS ) Consumer Access site, I discovered that Columbia Debt Recovery LLC DBA Genesis lacks the necessary licensing to conduct debt collection operations within the state of Florida. This egregious violation of Florida Statutes Title XXXIII Chapter XXXX underscores the illegitimacy of Columbia Debt Recovery XXXX 's actions. 

In light of these findings, I demand an immediate cessation of all fraudulent collection attempts by Columbia Debt Recovery XXXX DBA Genesis. Additionally, I insist upon the prompt notification to all relevant credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX, to expeditiously remove any erroneous derogatory remarks and accounts associated with this fraudulent debt from my consumer report. 

Laws referenced : Section XXXX of the Florida Statutes, XXXX XXXX of the Florida Statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several accounts that are on my Transunion credit report that has not been removed from my credit report and I have sent FTC letters to each creditor and they have failed to remove the items which by law I have the right to dispute inaccurate items reporting on my credit report when I didn't give permission to report theses items on my credit report and Pursuant to 18 USC 8, I owe No Debt. These company 's are violating my consumer right to privacy pursuant to 15USC1681b 2. Company has no permission to report ANYTHING using my info pursuant to 15USC1681 4.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Entrata Inc.
State: TN

Complaint narrative:
I noticed wrong address in. My report XXXX XXXX XXXX XXXX XXXX XXXX The right address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am working on XXXX  since XX/XX/2023 but my status still seems unemployed Please update my information if possible Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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.

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 2024-04-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-06 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: LA

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.

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 2024-04-06 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: LA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXXXX/XX/XXXX. I never gave permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block 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 explanation
Consumer complaint received 2024-04-06 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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.

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 2024-04-06 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}

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 2024-04-06 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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.

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 2024-04-06 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a initial disputed to Transunion asking them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, Transunion sent a letter stating that they were not going to reinvestigate the account, because it appeared that I was working with a credit repair company. I think this is a stall tactic. On XX/XX/year>, I sent Transunion a letter giving them 15 days to reinvestigate the items listed above, in accordance with 15 U.S.Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) ( B ). Transunion has surpassed the 15 days, which is a violation of my rights.

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