vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries that were reported on my credit file on XX/XX/XXXX. Upon reviewing my credit reports from your agency, I discovered that several hard inquiries were made without my knowledge or explicit consent. This constitutes a violation of my rights under Section 60810, which mandates that credit reporting agencies maintain accurate information and ensure that consumer reports are free from unauthorized actions. 
As a federally protected consumer, I'm aware that's you've assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which you've infringed upon without my lawful consent. Pursuant to 15 USC 1681, it is the purpose of the Fair Credit Reporting Act to ensure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! 
Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character! 
Your actions do not only violate the Fair Credit Reporting Act but it also violates the XXXX XXXX XXXX XXXX! Pursuant to 15 USC 6802, I've NEVER gave you or your nonaffiliated 3rd parties listed in this letter any form of lawful consent to share my nonpublic personal information! I'm ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than 4 business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( XXXX ) in accordance with my written instructions, my demands are as followed : As of XX/XX/XXXX, I noticed that the following unauthorized inquiries were made on my credit file : OXXXX 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 SYNCB 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 non-monetary relief
Consumer complaint received 2025-02-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries that were reported on my credit file on XX/XX/XXXX. Upon reviewing my credit reports from your agency, I discovered that several hard inquiries were made without my knowledge or explicit consent. This constitutes a violation of my rights under Section XXXX, which mandates that credit reporting agencies maintain accurate information and ensure that consumer reports are free from unauthorized actions. 
As a federally protected consumer, I'm aware that's you've assumed a vital role in assembling and evaluating information pertaining to me. XXXX makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which you've infringed upon without my lawful consent. Pursuant to 15 USC 1681, it is the purpose of the Fair Credit Reporting Act to ensure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! 
Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character! 
Your actions do not only violate the Fair Credit Reporting Act but it also violates the XXXX XXXX XXXX XXXX! Pursuant to 15 USC 6802, I've NEVER gave you or your nonaffiliated XXXX parties listed in this letter any form of lawful consent to share my nonpublic personal information! I'm ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than XXXX business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( 2 ) in accordance with my written instructions, my demands are as followed : As of XX/XX/XXXX, I noticed that the following unauthorized inquiries were made on my credit file : XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
To begin, I was considering renting from an apartment but never applied nor lived in the complex. However, they sent a bill to collections for what I am not sure. I have received multiple letters in regards to settling this account. 

I explained that the charges are not valid an the agent " XXXX '' stated he is the operations manager at XXXX and that he was not offering any options to settle. 

He was extremely unprofessional stating that the charges were valid and that I needed to pay my bills multiple times. 

I was belittled and forced to make a payment even after attempting to explain that I never lived in the apartments so I should not have a balance/collections. 

XXXX needs to learn to be professional and maybe he can grow and afford nice things such as my range rover that he was so upset about and kept bringing up throughout his tantrum. 

My vehicle was brought up to advise XXXX that my credit is over an XXXX credit score and no negative remarks on my credit report other than this collection that is not valid. I am just tired of seeing it after several attempts to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: OR

Complaint narrative:
On XX/XX/year>, Columbia Debt Recovery sent me an initial notice stating that I owed {$1800.00} and explaining how to dispute the debt. On XX/XX/year>, I formally disputed the debt via email, following their instructions, requesting validation under the FDCPA. I received an automated response confirming receipt of my dispute. 

Despite this, Columbia Debt Recovery never provided proof that the debt was legitimate or responded to my dispute. Instead, on XX/XX/year>, they reported a different amount of {$1600.00} to the credit bureaus without validating the debt, violating the FDCPA & FCRA. 

Additionally, XXXX XXXX failed to provide valid proof of the charges despite multiple in-person visits, emails, phone calls, and mailed requests from me to clarify the situation. My attempts to resolve this matter directly were completely ignored before they sent the debt to collections. I have proof of my ongoing efforts to dispute these charges and evidence that they are not valid but rather predatory. Given the lack of proper validation at both levels, I do not acknowledge this debt as legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I was just served legal papers from a drunken court clerk at my door, threatening legal action for case number XXXX - XXXX by an XXXX  court ( XXXX, XXXX, & XXXX ), for a debt the " defendant '' ( XXXX XXXX XXXX ) claims they obtained XXXX  years ago ( XX/XX/XXXX ) for XXXX, that I never signed anything with them, I dont know who they are. 

This court summons has XXXX XXXX XXXX, when my name is XXXX XXXX XXXX XXXX. 

I ripped up the lawsuit papers because I had no clue why this lady handed me these papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-02-28 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: NJ

Complaint narrative:
I am a victim of identity theft there were 2 car loans open in my name & a lot address I see on my TRANSUNION credit report nd Equifax report that are fraud I have already upload my police report for the accounts & address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-28 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: CA

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with TransUnion claim that it's frivolous. I personally created complaint with CFBP and provided the reason for my dispute in simple language. TranUnion had 30 days to investigate my dispute and it wasn't done. They responed via digital letter via email on XX/XX/XXXX confirming the " NVESTIGATION RESULTS- VERIFIED AND UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. '' I originally requested that the credit report be updated to reflect the account being deleted from my credit report as XXXX and XXXX have deleted the negative late payments from their reports and asked TransUnion to do so to keep my reports accurate, per 15 U.S. Code 1681i is a section of the Fair Credit Reporting Act ( FCRA ) that governs how consumer reporting agencies handle disputed information they have 5 business days and they responded outside the timeline not by mail. 
Please delete any negative information in this account immediately. 

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigated these matters and delete or correct the disputed information as soon as possible. 
Thank you for your assistance. In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. 
Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed a copy of my credit report and noticed I have fraudulent activity on my credit report. I have tried multiple times to remove this account off my credit report and this company did not budge. They could not provide proof that the debt and account belong to me. I have sent several dispute letters and somehow they continuously and end up missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Early in XX/XX/year> I received a check from our mortgage company for reimbursement of escrow funds. The check was made payable to my mother and my wife. When my mother visited us later in the month we went to a branch to deposit the check in person as they informed me she needed to be properly identified. The teller took her ID information and deposited the check. The check was for {$690.00}. My additional balance in the account is over {$20000.00} so needless to say theres fund in the account to cover that check if anything went wrong. 

So now today almost 2 weeks later Im trying pay our countertop installer and my XXXX payment wouldnt go through. I called to verify my identity and they informed me that the XXXX payment wasnt an issue, my account has been blocked because of 3rd party check fraud. 

The department disconnected me multiple times while I was being transferred. Finally I spoke with the branch manager XXXX at the XXXX XXXXXXXX, California Branch and he informed me that after speaking with the fraud department I would need to bring my wife and my mother to fill out an affidavit of endorsement. My mother lived out of state. The offered to have my wife complete her portion then overnight it to my mother. I informed him I thought it was XXXX but I would bring my wife in when shes off work. 

After exhausting hours on the phone trying to come to a resolution, my wife arrived home from work. When we arrived to the branch she went up to ask the teller for help. She then became upset as neither the teller or supervisor knew what to do to assist. The manager named XXXX came over to investigate the issue and informed my wife he had seen her come in with me. He informed her that I cursed at him earlier ( when I said this process is XXXX ) and that I needed to leave the branch. I simply asked him to help her with the form and he came at me in an aggressive manner coming close to putting hands on me. He told me to leave or he would call the police. I didnt want to further the issue of resolving this manner so I waited outside. 

While waiting I see my wife approaching the door and came out to inform me he was calling the police on her because she had an alarm on her phone that went off that was disturbing his business. We left as I dont want to be arrested and he didnt want us on the property. 

I then contacted the fraud department again which informed me of the process once more. I informed them we just went to a branch and were refused service. We then went to another branch to get the process started before cosign and they had no idea what form we need to fill out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief