vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I was emailed on XX/XX/XXXX from Genesis that my collections was past due and placed for collections on XX/XX/XXXX. I spoke to an employee at Genesis and she told me that since I cant afford to pay the total amount immediately that I should use my car as collateral. I was never told that I could dispute this. I was confused because I ended my lease in XXXX and tried to get in contact with XXXX XXXX XXXX to pay the bill and never recieved a call back or response. Also my total when I signed the papers to end the lease was {$2300.00} and now they say that I owe {$6100.00}. I get a call from Genesis every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations by Portfolio Recovery Associates Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for numerous violations of the Fair Credit Reporting Act ( FCRA ) in their reporting to the XXXX major credit bureaus. Attached to this letter are supporting documents detailing the egregious inaccuracies in PRA 's reporting, as well as contradictory statements made by PRA in response to the previous complaint filed with your office ( Complaint # XXXX ). 

The violations committed by PRA are as follows : Blatant Inaccuracies in Reporting : -PRA reported the account type as an " Open Account '' to the credit bureaus, which is inaccurate. Collections should be reported as " Collection, '' not " Open Account. '' -The payment status was reported as " Late 120 Days, '' whereas it should have been reported as " Collection/Chargeoff. '' -Payment history inaccuracies include reporting on-time payments in XXXX of the last 24 months, with XX/XX/XXXX marked as a 120-day late payment, despite on-time payments made before and after XX/XX/XXXX. This inconsistency is both inaccurate and absurd. 

Contradictions in PRA 's Admission : -PRA asserts this account was opened on XX/XX/XXXX, however, the data furnished by PRA to the credit bureaus alleges the account was opened on XX/XX/XXXX. In complaint # XXXX, PRA admits it purchased the account " on or about XX/XX/XXXX. '' The guidelines of the FCRA clearly specify accuracy, not estimation. Furthermore, the information furnished does not align with the information provided by the original creditor to PRA. In addition to this being misleading, I never opened an account, nor signed any contract with PRA. 

-Despite my request for a copy of the purchase agreement to verify the information furnished to the consumer reporting agencies, PRA only provided outdated statements from the original creditor, XXXX XXXX. 
Violation of 15 USC 1681i : Procedure in Case of Disputed Accuracy : Using the evidence provided, along with PRA 's own admissions, it is evident that PRA has violated the FCRA, particularly 15 USC 1681i, by failing to ensure the accuracy of the information furnished to the credit bureaus. 
I sternly request that the account ending in XXXX be deleted from all consumer reporting agencies immediately, as required by law. Additionally, I urge the Consumer Financial Protection Bureau to thoroughly investigate PRA 's practices to ensure compliance with federal regulations and to prevent further harm to consumers. 

Thank you for your prompt attention to this matter. I look forward to your swift action and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely unhappy with the credit monitoring service and have been trying to cancel my free trial without success. I was charged {$27.00} today on the XXXX of XX/XX/year>. The company will not let me cancel my subscription, even though I repeatedly tried following the steps listed on their own website. For example, when I try to click on change membership button to downgrade from premium membership back to free, it brings me to a different link where it tries to get me to buy an even more expensive family plan. Ive filed a complaint directly with the company but have not yet heard back. After researching this company further it seems they have a lot of other complaints against the lack of transparency with cancelling- this is an extremely deceptive practice and they should be ashamed. This is not the right way to do business and I intend to report them to XXXX  and also report this to my credit card company.

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 2024-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries that I do not recognize and do not authorize

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 2024-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I fell victim to a scam where the scammer obtained my card number and security code, making unauthorized purchases. They spent {$140.00} at XXXX 's and {$230.00} at XXXX in XXXX XXXX on XX/XX/XXXX, total of {$380.00} withdrawn from my BofA student 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 monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX XXXX  XXXX XXXX However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX  at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX  I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> several addresses lists on my credit report never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX violated 15 US Code 6802 Obligation with respect to disclosure of personal information with written consent from the consumers Name show appears as XXXX XXXX XXXX XXXX XXXX on mine name

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On several occasions from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I have contacted USAA about my account XXXX Checking. I requested to have my wife removed from my account and tried to remove myself from her account. I explained that I am going through a divorce and my wife still has access to my account the only option they give is to close account which this would be difficult because I get my XXXX XXXX XXXX  and XXXX  pay. They will send an amendment signature card. I explained that my wife has refused to sign it. They can except a E-sign if you add a product but refuse to when you want to remove. This has caused my account to go into the negative and they send a letter that it can be sent as a charge off and my effect all other accounts. I told them the courts will not allow me to close accounts. I can remove a person. I had to put several stop payments and block everything on my account until I can figure out how to contact all the direct deposit which could take up to 60 days for the change. I have made the change with SS to this account. The company needs to change this. I add my daughter without a problem. USAA shouldnt wait until the account becomes overdrawn then say you have to pay this. They have been told about this situation many of times and no change. When you take off overdraft it takes XXXX business days to go into effect meantime as a card holder you can swipe all day long. This is causing me not to be able to make payments on other bills. I refuse to loss my money because a bank refuses to remove a person. Why this is so difficult for USAA to do so. I am the primary account holder this is my money not USAA. I feel like I am stuck because the bank refuses to resolve the problem. I also explained if there is any funds removed from my account without my authorization who will be responsible no answer. USAA should be responsible for all overdraft fees, reimbursement of funds. I also asked for any policys that they have to support this type of action nothing. This is not a communist country the bank needs to have something in place for situations like this. Divorce decree doesnt happen over night. Currently I have everything blocked to my account to prevent any further financial burdens I have to block and unblock my card each time I need to use it. I have told the representative if they can put the conversation on file if they did or didnt I wouldnt know. Just to close my accounts is a simple way for USAA not for the consumer. I should not be held accountable for others actions. They tell you thank you for your service but treat you like your from a communist country. This is sad if anyone else has experienced this with USAA. They know what the request was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
On XX/XX/24 several addresses lists on my credit report never live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Experian violated 15 US Code 6802 Obligation with respect to disclosure of personal information with written consent from the consumers

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Greetings, upon checking my report I noticed accounts that I do not own I am a victim of identity theft and also a victim from the XXXX and XXXX XXXX breach. I am requesting that these accounts be removed and blocked of my profile as they are in violation of my consumer rights. These accounts should not be furnished on my consumer report. 
XXXX XXXX code XXXX b permissible purpose of consumer reports ( a ) In general subject subsection ( XXXX XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) In accordance with WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 in an alleged identity theft not later than XXXX business days after the date of receipt. 
Please delete!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries that I do not recognize and do not authorize

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 2024-03-02 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: IN

Complaint narrative:
I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} 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 2024-03-02 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: IN

Complaint narrative:
I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-02 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
they continue to call me and people i know to collect rental debt resolved in court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX and asked for the IP address used to creat the 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 non-monetary relief