vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C.
State: OH

Complaint narrative:
This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XX/XX/year>. Under the FDCPA 15 USC 1692 act, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX of 2022 for the debt charge-off, which makes this income, which, at this time years later is also a violation. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that i have proofed that with the included documentation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I tried to sign up for a Zip account using my phone number. Instead of allowing me to create a new account, Zip automatically logged me into an existing account that appeared to belong to the previous owner of my phone number. I was shown a balance of {$150.00} available to spend, and I could see the previous account holder 's name and address, which is concerning because I have no connection to this person. 

This is a serious security issue because it gave me access to someone elses personal and financial information without verifying my identity. I did not proceed further because I didnt know how to log out or contact Zip for help. However, this raises major concerns about Zips security practices. Phone numbers are frequently reassigned, and without proper identity verification, this could lead to unauthorized access or fraud.

I am requesting that Zip investigate this issue, update its authentication process to prevent this from happening to others, and ensure my phone number is removed from any account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT AND WANT THIS REMOVED IMMEDIATELY FROM MY CREDIT 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had this discover card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$310.00} every month until XXXX XXXX which i am paying every month. I have attached the payment proof. I have been paying every month of XXXX. but for some reason discover have been sending wrong report to credit bureaus as missed payments. Since XX/XX/XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXX and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
I created an account on the Experian Alertes site and entered all my information and the sites that the creditor directed me to stole my information and SSN number and applied for improper loans. I saw this when I checked my credit history. Please fix this. I did not apply for a loan.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My information was leaked in a data breach and most of my information thats been reported on my credit is wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I spoke with a manager named XXXX ( employee ID XXXX ) on XX/XX/XXXX regarding a waiver of the {$28.00} interest charged to my credit card ending in XXXX on XX/XX/XXXX. She stated she could not waive, and she hung up the phone when she was unable to answer questions. I'd like to leave a complaint ( please provide the complaint number ). I was not expecting interest to be charged as I paid my card in full by the statement closing date, and she stated that I needed to pay in full by the due date, which was not my understanding. Two questions : 1. Do I need to pay in full by the due date or statement closing date to avoid interest? There is no other bank that I am aware of who operates this way - I always pay the minimum by the due date and the full amount by the statement closing date, and I have not been charged interest with other banks. If this is different at Capital One, please let me know. If it is not different, please add this misinformation to XXXXXXXX XXXX complaint as we have to expect that we're given correct information.

2. I was charged interest on my XXXX and XXXX statements, but not on my XXXX statement. when I asked why, XXXX stated that I was given a courtesy grace period (? ) and could not answer why I was given this. In fact, when I asked why ( as I have to know so I know how to manage my cards moving forward ), she asked why it mattered, as it was good, the system makes these decisions and she has no idea, etc. Overall, she was not helpful and would not escalate my question. Is it because I accidentally made XXXX payments in the XXXX statement period ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) that covered my balance? This is the only explanation I could think of. Again, when I asked XXXX if this was the reason, she refused. 

Given this confusion and very likely misinformation given by the rep, I do ask that the {$28.00} interest fee is waived, even as a one-time courtesy. I have been and will continue to pay my balance in full so that interest will no longer be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-02 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-02 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: TX

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT AND WANT THIS REMOVED IMMEDIATELY FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT AND WANT THIS REMOVED IMMEDIATELY FROM MY CREDIT 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 explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have already filed a dispute on their website. they claim that they investigated it and that the account is mine even though it isn't. it seems to be paid and closed but several payments were late. nothing about this makes sense to me or anyone i've spoken to. 
i attempted to make a second dispute with more information but experian will not allow me to log into my account to dispute a fraudulent part of my report. I also am unable to speak to anyone about this. their website appears to be faulty

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against LVNV Funding regarding the inaccurate reporting of account XXXX on my credit report. This account is currently reporting a balance of {$4000.00}, whereas the original creditor has confirmed in writing that the account was charged off at {$3500.00}. I have attached the correspondence verifying this discrepancy. 

Additionally, your reporting practices violate the Fair Debt Collection Practices Act ( FDCPA ) by inaccurately listing a 120-day past due status and payment history, despite the fact that collection accounts are not permitted to report late payments or a past-due status. This is a clear violation of federal law and misrepresents the nature of the debt. 

I am formally requesting that this account be immediately removed from my credit report. While I am not seeking litigation or monetary relief at this time, if this matter is not resolved within 14 days, I will escalate this issue to my attorney for further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My credit was breached in hacked in the information on equal fax a lot of stuff was put on my credit report that wasn't even mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 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 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 2025-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I received a call from Columbia Debt Recovery LLC ( Genesis Credit ) regarding an alleged apartment debt for {$5400.00} from XX/XX/XXXXat XXXX XXXX. During the call, the representative, XXXX, used intimidation tactics to pressure me into making a payment. 

He threatened wage garnishment if I did not pay, despite there being no court judgment against me. 
He claimed that it would be difficult for me to find housing with this debt on my credit report, which felt like an intimidation tactic. 
He pressured me into providing my bank account information, even after I stated that I did not feel comfortable giving it over the phone. 
He also stated that if I did not agree to payments, they would add more interest to the balance. 
Under pressure, I authorized a {$200.00} payment, which was withdrawn from my account on XX/XX/year>2025. However, despite this payment : Genesis Credit has not updated my credit report to reflect the payment. 
I have never received a mailed debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) only an email. 
Since learning more about my rights, I have : Revoked authorization for any future payments Disputed the charge with my bank Formally requested debt validation via certified mail I am requesting that Genesis Credit be required to validate this debt in writing before continuing any collection efforts. Additionally, they should be investigated for using coercion, misrepresentation, and intimidation tactics to obtain payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor AT T Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available 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 non-monetary relief
Consumer complaint received 2025-03-02 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>

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 2025-03-02 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: Self Financial Inc.
State: GA

Complaint narrative:
I filled a dispute on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX LEAD BANK : XXXX LEAD BANK XXXX LEAD BANK : XXXX According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation.

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any information.

Company response to consumer: Closed with explanation