vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXXl and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-08 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: FL

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I'm in the process of purchasing a home. They are reporting on my credit report. This company is reporting fraudulent and inaccurate information on my credit report. In letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and email communication dated XX/XX/XXXX, I have requested that they provide a copy of the purchase agreement as well as the bond that proves their legal registration as a debt collector in my state to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and they were unable to. They are violating my rights via 15 U.S.C. 1681 law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
My husband and I had a month-to-month tenancy at an apartment complex. The apartment mistakenly believed we had a one year lease. We cleared this up with the apartment complex when giving our notice. They informed us that their systems were down so they could not revise the lease end date on file until their systems came back up, but that they would do so. They gave the amount of our final prorated rent, and we paid in full. 
About seven months later, we received a move-out bill from the apartment complex for the incorrect end date that they originally had on file. I called and spoke to them on the phone and via email, where they told me ( and I have a record of this ), that they made a mistake and they are diligently working to correct the problem. 
Instead of correcting the problem, the sent the " debt '' to a collections company. I immediately disputed the debt, by following all of the instructions I received from the collections company. I sent them a DISPUTE OF DEBT AND VALIDATION DEMAND PURSUANT TO 15 U.S.C. 1692. 
They never responded to my dispute or validation demand. They did, however, continue to call

me. On one occasion I let the representative know that I sent a validation demand and they can not call me without verifying the debt. He refused to do so and they continued to call me. On another occasion they called me to let me know t
hat they hit my credit report. I told them they can not do that because they have not verified the debt. They claimed they are a professional company and will send me verification of the debt by the next business day. This was at the end of XXXX. 
They have not called me since then, but I did verify that they did hit my credit report as well as my husband 's credit report. 
I do not owe this debt. This debt does not exist and was created due to a mistake from an apartment complex we lived in two years ago ( our move out was XX/XX/year> ). They have failed to provide any sort of verification of the debt, yet they hit our credit report any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Marcus has unlawfully blocked me from withdrawing funds from my 2 savings accounts with a total balance of $ XXXX. They told me to send an affidavit of identity. I sent a notarized affidavit of identity which they confirmed they have received. Still, they are not releasing the freeze on my account. I have already provided them a notarized affidavit of identity. When I call them, they keep on telling me to call back in the next few business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-08 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: UT

Complaint narrative:
I received results from my dispute. I do not agree with the investigation on XXXX XXXX account # XXXX. The balance was changed to a higher amount after its already been charged off. It has hurt my credit report significantly. 


The dates of account was verified and updated but its still showing inaccurate information. I also by law have a right to documents proving the updated information. XXXX XXXX must send me proven documents to support the updated information. 

The account was reaged and it still in accurate. This is a violation to my credit reporting rights.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im unable to open any checking or saving account due to identity theft done under name due to serval data breach with XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX  I have to constantly use prepaid XXXX card which is a pain in my life. 

I never had an account with Chase, XXXX XXXX XXXX XXXX, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

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.

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 non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XXXXXXXX XXXX XXXX a few months after my XXXX birthday, I unknowingly had a credit card opened in my name with XXXX XXXX XXXX. I was unaware of the fact that this happened due to my lack of knowledge on how to check my credit score. I would always try to apply for credit cards, but they wouldn't approve me, and I didn't understand why. It wasn't until about XXXX years later that I spoke with someone from the bank. They informed me that I had a line of credit on my name for the amount of XXXX. I have tried to report the fraud to the company multiple times as well as report the fraud to all credit bureaus. Yet the debt has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car.

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX XXXX ] * Year : [ XXXX ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.

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 2024-04-08 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: FL

Complaint narrative:
Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car. 

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX XXXX  ] * Year : [ XXXX  ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization.

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car.

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX  XXXX ] * Year : [ XXXX  ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.

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 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs 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 2024-04-08 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: CA

Complaint narrative:
I sent Equifax on XXXX XXXX 2024 a dispute regarding a collection account that is being reported erroneously never heard back anything. in XXXX i sent a request of the method of verification used in regards on how the procedure was conducted as afforded by Law to me as a consumer. On XX/XX/2024 Equifax updated the consumer report as verified. Yet I am still waiting on the method of verification used in connection with an investigation and any re investigation that never took place in the first place. Equifax is acting above the law and clearly disregards any request under Federal Law, Equifax ran afoul of the FCRA by not following the law as its intended to be.. 

I DEMAND YOU FOLLOW THE THE LAW ACCORDING TO FCRA FAIR CREDIT REPORTING ACT This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( XX/XX/2024 ). 


To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative item, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Advantage Credit, Inc.
State: OR

Complaint narrative:
On or about XX/XX/2024 my daughter and I called financial institution to find out why it was a charge off on my report. We were transferred to the fraud department and were told it was indeed fraud and they would send a letter to me explaining I was not liable and also they were to have it removed from my report. XXXX week later no letter. After numerous phone calls to same person as before i received a call from him on XX/XX/2024 saying he would resend it out and to this day still have not received a letter and it is still appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-08 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: NJ

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.

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