vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I am writing to formally dispute an outstanding loan that has recently appeared on my credit report from XXXX XXXX XXXX, you are requesting money that was covered through covid relief which I have proof of, The details of this account, including the balances and company names associated with it, do not appear familiar to me. Furthermore, I have never received any mail or correspondence regarding this account, which raises serious concerns about its validity. Also was reported to my credit months before the federal date that was allowed to recover covid rent. I've attached my forms below In light of this, I want to highlight several critical issues : XXXX. There are open lawsuits against the major credit reporting agencies, including XXXX, XXXX, and XXXX. These lawsuits pertain to their failure to accurately report information and protect consumer data. The continual occurrences of data breaches further underscore systemic issues within these institutions. 

XXXX. The information regarding this loan has been reported inaccurately. Due to the ongoing lawsuits and the potential for compromised data affecting the accuracy of consumer credit reports, it is unjust for this account to be reflected on my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681-1681x in Title 15 of the U.S. Code , I have the right to dispute inaccurate information in my credit report. The FCRA mandates that credit reporting agencies and lenders ensure the accuracy of the information they report. This erroneous account violates those statutes. 

Given these points, I respectfully request that this account be removed from my credit report immediately. I also ask for a thorough investigation into this matter. Please confirm receipt of this letter and the actions being taken on my behalf. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Experian, Transunion and Equifax numerous times to get my credit report fixed because of erroneous information on my credit report. All of the bureaus do not investigate anything that I have asked for such as validation that debts being claimed to be mine are exactly mine. I have or had fraud alerts with all of the Bureaus. I have sent in my State Identification, Social Security Number and current address along with detailed information that does not belong to me and/or have not been validated by self. Numerous PDFs sent, spent hundreds of dollars to mail letters to all three bureaus, debt collectors and credit card companies. The bureaus upon receipt of my documentation respond that they do not believe I am requesting the investigations even though I have sent along the identification I mentioned above and yet they respond that my report is accurate per the debt collectors and alleged credit card banks. I know for a fact that their findings are not true because I speak with every alleged creditor/collector verbally and in writing and am told that they have not seen or heard from the bureaus at all. The XXXX also have failed to properly help me fight this battle with in regards to my credit report accuracy. I have had to place freezes on my credit reports thinking that this would stop from erroneous reporting. I was misled by Experian, Transunion and Equifax. My name, addresses, accounts and details are either incorrect or do not belong to me. I am a Small Business operator for over 25 years and cherish my report for myself, family and legacy. It is illegal to report anything erroneous on my report under my sensitive social security number, DOB, driver 's license, etc. But yet the Bureaus, credit card banks and debt XXXX XXXX my character, dignity and freedom every chance they get. I need an act of XXXX or this Commission to assist me in correcting these demoralizing actions. My dispute records show that I am in dispute as much as everyone involved allows. There should not be a limit on how many disputes I can do in a month. They attack my report almost weekly if not daily with negative erroneous reporting. I have to monitor my reports almost every other day only to find yet another discrepancy has been added or updated incorrectly. They charge me monthly fees to get a updated report albeit wrong every month. Making money at my expense to report errors but do not allow me to fix these errors if at all for months at a time. I humbly ask for help as I do not know what else to do. Thank you in advance for your investigation on my behalf.

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 2025-03-30 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: NM

Complaint narrative:
My personal information was impacted by the XXXX  Experian Data Breach which violates the Consumer Financial Protection Act - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), Fair Credit Reporting Act ( FCRA ) -15 U.S.C. 1681s-2, Gramm-Leach-Bliley Act ( GLBA ), Federal Trade Commission Act ( FTC Act ) -15 U.S.C. 45, 15 U.S.C. 6801-6809 and Consumer Financial Protection Act - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

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 2025-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
1. Unauthorized Data Sharing : XXXX sold my personal and financial information to a third-party company without my consent, violating my privacy and exposing me to further harassment.

2. Harassment and Threats : The third-party debt collector, acting on behalf of XXXX, has persistently contacted me regarding an old debt. They have used aggressive and intimidating tactics, including threats of legal action, despite the questionable validity of the debt.

3. Refusal to Remove or Validate the Debt : I have repeatedly requested proper validation of this debt and have asked for it to be removed from my records due to its outdated or potentially inaccurate status. XXXX has refused to comply, continuing their collection efforts despite my formal disputes. 

XXXX actions may be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their conduct has caused me undue stress and has negatively impacted my financial well-being. 

I request that XXXX and any affiliated third-party collectors immediately cease all collection efforts, provide a detailed validation of the debt, and remove any inaccurate information from my credit report. Furthermore, I ask that the Consumer Financial Protection Bureau investigates XXXX handling of my data and debt collection practices to prevent further harm to consumers. 

I appreciate your time and attention to this matter and look forward to your prompt response. 

L

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NV

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax, Experian, and TransUnion for numerous violations of federal and state credit reporting and debt collection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts and Information : XXXX XXXX ( XXXX XXXX XXXX  ), Account # : XXXX Status : Fraudulent, inaccurate, unverified, and illegally reported collection/charge-off account. 

Disputed Inquiries ( Unauthorized and Fraudulent ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect and Unverified Employers : DXXXX XXXX XXXX XXXX XXXX XXXX Addresses and personal identifiers incorrectly and fraudulently listed. 

Violations of Law Committed by the Credit Bureaus : Failure to provide verification upon request ( FCRA 1681i ( a ) ). 

Failure to conduct a reasonable investigation ( FCRA 1681i ( a ) ( 1 ) ). 

Failure to mark disputed accounts accurately ( FCRA 1681i ( a ) ( 6 ) ( B ) ). 

Reporting inaccurate, incomplete, and fraudulent information ( FCRA 1681e ( b ) ). 

Failure to notify of debt validation rights ( FDCPA 1692g ). 

Failure to ensure accuracy and integrity of consumer information ( FCRA 607 ( b ) ). 

Failure to protect personal and sensitive information under XXXX state law ( NRS Chapter 603A ). 

Ignored identity theft protections mandated by Nevada law ( NRS 205.463 ). 

Neglecting required assistance and resources for identity theft victims ( NRS 205.465 ). 

Requested CFPB Actions : I formally and respectfully request that the CFPB compel Equifax, Experian, and TransUnion to : Immediately remove and permanently block all disputed fraudulent accounts, inquiries, names, and addresses listed above from my credit reports. 

Ensure full compliance with all cited federal and state laws. 

Provide written confirmation detailing actions taken to rectify the violations and inaccuracies within 30 days. 

Consequences of Noncompliance : Should the respondents fail to adhere to the stipulated laws and corrective measures, I reserve my right to seek all available legal remedies, including civil litigation for damages under FCRA 1681n and 1681o and FDCPA 1692k. 

I further request the CFPB to oversee and enforce the compliance of the credit bureaus in accordance with the statutory obligations outlined above. 

Thank you for your urgent attention and rigorous enforcement of consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NV

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax, Experian, and TransUnion for numerous violations of federal and state credit reporting and debt collection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts and Information : XXXX XXXX ( XXXX XXXX XXXX  ), Account # : XXXX Status : Fraudulent, inaccurate, unverified, and illegally reported collection/charge-off account. 

Disputed Inquiries ( Unauthorized and Fraudulent ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect and Unverified Employers : DXXXX XXXX XXXX XXXX XXXX XXXX Addresses and personal identifiers incorrectly and fraudulently listed. 

Violations of Law Committed by the Credit Bureaus : Failure to provide verification upon request ( FCRA 1681i ( a ) ). 

Failure to conduct a reasonable investigation ( FCRA 1681i ( a ) ( 1 ) ). 

Failure to mark disputed accounts accurately ( FCRA 1681i ( a ) ( 6 ) ( B ) ). 

Reporting inaccurate, incomplete, and fraudulent information ( FCRA 1681e ( b ) ). 

Failure to notify of debt validation rights ( FDCPA 1692g ). 

Failure to ensure accuracy and integrity of consumer information ( FCRA 607 ( b ) ). 

Failure to protect personal and sensitive information under XXXX state law ( NRS Chapter 603A ). 

Ignored identity theft protections mandated by Nevada law ( NRS 205.463 ). 

Neglecting required assistance and resources for identity theft victims ( NRS 205.465 ). 

Requested CFPB Actions : I formally and respectfully request that the CFPB compel Equifax, Experian, and TransUnion to : Immediately remove and permanently block all disputed fraudulent accounts, inquiries, names, and addresses listed above from my credit reports. 

Ensure full compliance with all cited federal and state laws. 

Provide written confirmation detailing actions taken to rectify the violations and inaccuracies within 30 days. 

Consequences of Noncompliance : Should the respondents fail to adhere to the stipulated laws and corrective measures, I reserve my right to seek all available legal remedies, including civil litigation for damages under FCRA 1681n and 1681o and FDCPA 1692k. 

I further request the CFPB to oversee and enforce the compliance of the credit bureaus in accordance with the statutory obligations outlined above. 

Thank you for your urgent attention and rigorous enforcement of consumer protection laws. 

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 explanation
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to formally dispute several unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge or permission and do not reflect any credit activity I initiated. 

The following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are negatively affecting my credit profile. Please conduct a thorough investigation into each inquiry under FCRA 1681i. If the listed companies can not provide documented evidence of a permissible purpose, I request that you permanently remove these inquiries from my credit file. 

Please notify me in writing of the outcome of your investigation and provide a revised credit report reflecting any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NH

Complaint narrative:
I opened a account either cash app in XXXX they refused me a card till XXXX when they sent the card I could not activate the card upon contacting them they stated they needed to verify address with a phone bill ( see attached showing they received it XX/XX/XXXX ) it took over 90 days for them to review the documents they then emailed saying they needed a current phonebill or ID I advised that the bill was current when submitted and was mailed to address they sent my card to they wanted me to resubmit it to them or copy of my ID which they were informed I had submitted again they claim never received. They also advised me of a XXXX dollar bill due for a loan at which point ( see attached ) ibformerly disputed the debt asked for documents statements application and copy of ID used when requesting the loan and advised that it was my right per fed banking guidelines and fdcpa to do so there response today after the formal complaint was a email demanding payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, my husband and I used our Chase Sapphire credit card points to book round-trip flights through the Chase XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The flights were from XXXXXXXX XXXXXXXX  to XXXX XXXX, XXXX, departing on XX/XX/XXXX, and returning on XX/XX/XXXX. 

In late XXXX and early XXXX, XXXX XXXX was severely impacted by XXXX hurricanesHelene ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). Given the significant damage and aftermath, we made the decision to cancel our trip on XX/XX/XXXX. 

I called Chase to cancel the flights and spoke with a representative who informed me that although the flights were normally nonrefundable, due to the hurricanes they would make an exception. She said we would be issued flight credits totaling {$890.00} ( {$440.00} per person ) to be used toward future travel, valid for XXXX year and applicable only for domestic travel with XXXX XXXX. I was also told we would not receive an email confirmation and that we would need to reference our Trip ID when ready to rebook. 

In XX/XX/XXXX, we attempted to use these credits for an upcoming trip to XXXX XXXX. We looked up the exact flights on both the Chase XXXX XXXX and the XXXX XXXX app, and the total came to {$870.00} on both platforms. However, when I called Chase to apply our flight credits, they informed me that they had to book the flights manually and that the same flights would cost over {$800.00} more than the credit we were issued. 

When I asked for an explanation, the representative simply said, Thats how the system works, and offered no further clarification. I find this to be deceptive and unfairoffering credits that can not be used at reasonable or market rates, especially when the manual booking process is the only option available due to the cancellation method. 

We feel misled by Chases handling of these flight credits and believe the practice of inflating prices when rebooking via credit is exploitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
Today I checked my credit report and saw an account that did not belong to me.

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 2025-03-30 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: CA

Complaint narrative:
Today I checked my credit report and saw an account that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I have made multiple attempts to dispute fraudulent charges, illegally re-aged accounts, and deceptive collection practices on my credit report. Despite my efforts, these inaccuracies remain unresolved, negatively affecting my financial standing and limiting my access to credit, housing, and other opportunities. As a responsible consumer, I demand a thorough review and correction of these errors under the Fair Credit Reporting Act ( FCRA ). The incorrect personal information and account discrepancies listed must be investigated and resolved 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 2025-03-30 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
For my agency upstate business account, TD BANK has been charging they have also been charging overdraft fees when I put the money in the bank while it is pending. Made the deposit prior to a posting and they are still charging the overdraft fees. 

They are also charging {$35.00} for each overdraft fee instead of {$5.00} per occurrence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NM

Complaint narrative:
My personal information was impacted by the XXXX  Equifax Data Breach which violates the Consumer Financial Protection Act - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), Fair Credit Reporting Act ( FCRA ) -15 U.S.C. 1681s-2, Gramm-Leach-Bliley Act ( GLBA ), Federal Trade Commission Act ( FTC Act ) -15 U.S.C. 45, 15 U.S.C. 6801-6809 and Consumer Financial Protection Act - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with non-monetary relief