vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: WA

Complaint narrative:
I am furious with Genesis Debt Collectors for wrongfully damaging my credit score right before I was set to refinance my car. They added a collection to my credit report that doesnt even belong to meits clearly someone elses debt. This error has tanked my score at the worst possible time, jeopardizing my refinancing approval and costing me better rates. Despite my attempts to explain the mistake, Genesis has been unresponsive, and Im left dealing with the fallout of their incompetence. This is unacceptable and needs to be corrected immediately. I confronted them over the phone about a separate debt a week prior which they told me If I didnt try to settle my debt with them with payments within one month the collection would stay on my report forever. I spoke with XXXX on a recorded line. I payed {$1000.00} dollars there and then with my card information over the phone after she threatened that if I didnt the option to settle for a lesser amount would be off the table. Then a week later my credit score dips right before I planned to make another payment to them and I find a collection for a debt that is not mine that has already permanently hurt my credit score but also looks on my report as if Ive not paid multiple leasing companys. This is very frustrating and after calling them I spoke with a manager named XXXX who told me all I could do was dispute it. Which doesnt help the fact that its already hurt my credit and now I dont trust to make any payments to them or provide any of my payment information. Not to mention the collection for XXXX XXXX XXXX XXXX was not reported or attempted to notify me for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXXXXXX, and the loan was financed through Credit Acceptance. The advertised price was {$4400.00}, but the final amount financed was {$6600.00}. I also paid a {$1500.00} cash down payment that was not properly applied. Within two hours of driving off the lot, the vehicle broke down due to major mechanical issues. It has remained inoperable ever since, with projected repair and financial losses totaling {$22000.00}, including the loan, repairs, diagnostics, and towing. 

I requested to cancel the sale within 20 minutes after being told the AC needed repair, but the dealership claimed the finance company didnt allow cancellations. I was pressured into signing the contract without time to fully review the terms. 

On XX/XX/XXXX, I sent a certified dispute letter to Credit Acceptance requesting loan cancellation, correction of the inflated charges, and reimbursement of losses under the FTC Holder Rule. I also contacted the Illinois Attorney General, FTCXXXX XXXX, and CFPB for assistance.

As of today, I have not received the requested information or resolution from Credit Acceptance. I am disputing this loan and asking for a full investigation and relief.

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 2025-03-26 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-03-26 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXXXXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
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, These hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't
have permissible purpose according to 15USC1681B.

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 2025-03-26 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) (
5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-26 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: AZ

Complaint narrative:
XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX Equifax breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AZ

Complaint narrative:
XXXXXXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXXXXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent 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
Consumer complaint received 2025-03-26 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: EdFinancial Services
State: NY

Complaint narrative:
As a consumer, I have rights that must be upheld, and it is my expectation that XXXX XXXX XXXX XXXX, as consumer reporting agencies, fulfill their legal responsibilities fairly, impartially, and with respect for my privacyas required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ).

Federal law makes it clear that financial institutions and credit reporting agencies have an ongoing duty to protect the privacy, security, and confidentiality of my nonpublic personal information ( 15 U.S.C. 6801 ). However, despite this legal obligation, my information has been shared and reported without my explicit consent. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a credit report if the consumer has provided written instructions authorizing them to do sowhich I have not. 

Let me be clear : I do not consent to XXXX XXXX XXXX or any furnisher of information to credit agencies to share or report my personal financial data in any formverbal, non-verbal, written, implied, or otherwise. I am revoking any perceived or assumed consent, effective immediately. 

Additionally, under 15 U.S.C. 6802 ( b ) ( c ), financial institutions are prohibited from disclosing my nonpublic personal information to third parties unless I have been given an option to opt-outan option I was never informed of. This is a clear violation of my privacy rights.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits credit reporting agencies from including adverse information older than seven years on a consumer reportyet, certain accounts that qualify as negative or adverse remain on my credit file, unlawfully impacting my credit standing.

Under 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ), no furnisher of credit information should report data if they know, or have reasonable cause to believe, that the information is inaccurate. By allowing inaccurate, outdated, and unauthorized information to remain on my report, XXXX XXXX XXXX XXXX are in direct violation of federal law. Additionally, under 15 U.S.C. 1681e, consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of credit reportsa duty that has not been fulfilled in my case.

Finally, 12 CFR 1016.7 grants me the right to opt out of having my information shared, and I am formally exercising that right now.

I am demanding that XXXX XXXX XXXX XXXX immediately remove all unauthorized, inaccurate, and outdated information from my credit report. Failure to do so will result in formal complaints being filed with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Justice. 


This is my financial reputation, my privacy, and my legal right to protectionand I intend to see it fully upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Please see supporting documents pertaining to XXXX data breach identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX { Last XXXX SSN : XXXX } XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear XXXX Dispute Resolution Team , I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : 1. ACCT NAME : Open Date 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I hope this message finds you well. I am writing to address a recent issue concerning an overdraft on my account, which was caused by an error involving my PayPal Cashback Mastercard. 

On XX/XX/year>, I attempted to send {$5000.00} using my PayPal Cashback Mastercard. However, instead of processing this transaction as part of my usual monthly billing, the credit card center transferred the entire amount to my XXXX XXXX  checking account. They also added this {$5000.00} to my balance due, despite the fact that I did not actually complete the transaction. This unexpected action resulted in an overdraft on my account. 

Given my account 's long-standing good status, I am perplexed by this occurrence. I believe it would be beneficial for XXXX XXXXXXXX XXXX XXXXXXXX to communicate with PayPal Cashback Mastercard to clarify the intended function of a credit card, which is to enable timely payments rather than demanding full payment immediately. Additionally, it seems inappropriate to add the amount to my balance since the funds were not utilized. 

I have reached out to XXXX  about this issue multiple times, but they have directed me to contact XXXX. Conversely, the card center advises me to speak with XXXX. I am caught in a loop, and I need assistance in resolving this matter. 

Incident Date : XX/XX/year> Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation. 

Best regards

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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On XX/XX/year>, I contacted Genesis ( Columbia debt Recovery LLC ) agency regarding a {$430.00} account that is solely mine. During the call, I discovered they disclosed my private account detailsamount owed and account statusto an unrelated third party with no financial ties to me, whom I havent lived with or spoken to in years. They also wrongly reported my debt on this third partys credit report, harming their credit score. I requested an explanation, but they provided no valid reason for sharing my information or misreporting the debt. This violates the Fair Debt Collection Practices Act ( FDCPA ) for unauthorized disclosure and the Fair Credit Reporting Act ( FCRA ) for inaccurate reporting. I request the CFPB investigate, ensure the agency corrects the credit report, and stops mishandling my information

Company response to consumer: Closed with explanation