vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to file a complaint against GENESIS CRDT regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, GENESIS CRDT has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of XXXX and XXXX. 

The discrepancies that I am disputing include : Account Status : GENESIS CRDT reports a different account status compared to XXXX and XXXX. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by GENESIS CRDT compared to XXXX and XXXX. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between GENESIS CRDT and the information provided by XXXX and XXXX. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from GENESIS CRDT, as well as the corresponding information from XXXX and XXXX. The evidence clearly demonstrates the inaccuracies in GENESIS CRDT 's reporting.

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that GENESIS CRDT rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
The following furnishing persons have violated my consumer rights NATIONAL CREDIT ADJUST XXXX # XXXX, XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Subject : Reconsideration Request for Fraudulent Transactions Dispute - Claim Reference Number XXXX I am writing to express my dissatisfaction with the outcome of the investigation related to the fraudulent transactions on my account, referenced by Claim Reference Number XXXX. According to the email received, the investigation concluded that no error was found, and I am deemed responsible for the unauthorized activity. 

I find this resolution unjust, as it seems unreasonable to thoroughly investigate and determine the legitimacy of fraudulent transactions within a mere 24 to 48 hours. Considering the complexity of such matters, I request a reconsideration of my claim and an immediate credit to my account for the funds associated with the unauthorized activity.

I believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including unauthorized transactions. 

According to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported errors or unauthorized transactions. I urge you to review my case thoroughly, taking into consideration the substantial inconvenience and potential financial impact I am experiencing due to the unauthorized activity on my 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 2024-01-15 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: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. These inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have already notified CFPB, and the Federal Trade Commission by completing an identity theft report and I have included copies for your review.

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 2024-01-15 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have repeatedly asked for a statement so I can figure out what happened to all my deposits because the last time I checked, they were supposed to send me a statement and they never did. Instead, they close the account did not try to resolve any of the issues Ive been reaching out repeatedly for years for a statement And they have not sent me a statement!. They violated their contract with me by not depositing my funds into the checking account!. Bank of America has a policy about checking accounts, being overdrawn. You can not cash your check with Bank of America for the full amount. You only get XXXX bucks and thats it. Thats their policy not mine then when I checked the balance to see if the check had made it through had been deposited fully and it has not been deposited fully they closed the account, so I have no access to the statement to figure out what happened, this is fraud with a bank account This has been reported to the police and XXXX Washington, where the bank is!. 
Please be aware that I am unable to update my contact information on your website there is no option to edit the information so I will give it to you through this statement!. XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I HAVE DISPUTED AND REQUESTED I WHOLE CREDIT FILE FROM THESE THREE COMPANIES AND THEY ARE REFUSEING TO DO SO WHEN I HAVE IDENTIFIED MYSELF MULTIPLE TIMES THATS WHY IM CONTACTING YOU GUYS SO I CAN UPLOAD MY PROOF OF IDEA ASWELL AS ADDRESS AS WELL AS SOCIAL SECURTIY CARD WICH I FEEL IS XXXX MUCH BUT THAT IS NOT THE MATTER HERE THESE FAULE REPORTS AND ONCOSENT TO FURNISH MY INFORMATION WITH OUT WRITTEN CONSENT IS ANLAWFUL ASWELL AS FRAUD AND IDENITY THEFT THESE ARE THIRD PARTY REPORTING AGENCIES .AND DO NOT GOVERND ANY PROPER LAW GOVERND BY THE FCRA THESE REPORTS ARE HARMING MY PROGRESS AND MY FAMILY AND I DEMAND FOR FRAUD REPORTOMG AND DEROGATORIES BE REMOVED ASAP 4 DAYS OF RECITE ASWELL AS SEND ME A EMAIL TO XXXX I DO NOT TRUST THE MAIL I WANT IT EMAILED TO M EMAIL ADDRESS EARLLY WARNINGS, CHECK SYSTEM AND LEXIS NEXIS THIS WILL BE ADDRESED TO

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: GA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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 writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of XXXX and Transunion. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to XXXX and Transunion. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to XXXX and Transunion. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by XXXX and Transunion. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from XXXX and Transunion. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of 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 2024-01-15 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 writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of Experian and XXXX. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to Experian and XXXX. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to Experian and XXXX. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by Experian and XXXX. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from Experian and XXXX. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of 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 2024-01-15 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: CA

Complaint narrative:
Transunion is not following the laws!!!! I'm going to file a personal law suit ... all the other credit bureaus has removed these items and has done there job and followed the laws and Transunion has not... XXXX XXXX CREDIT CARD IS A FRADULENT ACCOUNT OPEN TO A DIFFRENG ADDRESS THAT DOES NOT BELONG TO ME THAT WASNT ON MY CREDIT REPORT!!! I sent In my police report FTC report and they have not given me the signed ORGINAL agreement so I can see who open the account who signed the agreement... I have nothing!!! I need them to remove this account off my credit asap

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 2024-01-15 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX house.

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 2024-01-15 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$370.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$320.00} Date Opened : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-01-15 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: NV

Complaint narrative:
Subject : Formal Complaint against Experian for Failure to Follow Federal Law on Dispute Process Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to adhere to the federal law on the dispute process. On XX/XX/, I sent a certified letter ( XXXX XXXX : XXXX ) to Experian, including a copy of my ID and a utility bill as requested for the dispute investigation. 

Despite providing substantial evidence to verify my identity, Experian has not conducted the necessary investigation, as mandated by federal law. This lack of adherence to regulatory requirements is deeply concerning and has caused significant inconvenience on my part. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions against Experian for their non-compliance with federal regulations. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion due to unresolved inaccuracies on my credit report, coupled with an unjust refusal to investigate legitimate consumer disputes. The CFPB needs to investigate TransUnion for its unfair and deceptive practices. 

The following are errors that remain unresolved on my credit report : 1. Public Record ( Reference Number : XXXX ) : TransUnion previously responded with a claim of verification through " XXXX XXXX XXXX FLORIDA. '' However, TransUnion, as of XXXX XXXX XXXX, obtains bankruptcy information from a third-party vendor, XXXX. Upon contacting XXXX on XX/XX/XXXX, I received a response dated XXXX  with a Notice of Bankruptcy Case Filing that does not accurately match my name and truncated social security number. This public record is not verifiable and must be removed from my credit report. Attached : Copy of XXXX 's response for your review. 

2. XXXX XXXX Accounts ( Account Number : XXXX ) : ** Two accounts under XXXX XXXX are not reporting accurate or complete information. One account shows a last activity date oXXXX XXXX no date of last payment, and an inconsistent payment history. The other account, open since XX/XX/XXXX, does not report any payments made, which is inaccurate and incomplete. Both accounts need to be removed from my credit report. Attached : Response from XXXX XXXX XXXX received on XX/XX/XXXX. 

3. XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite previous disputes and a complaint filed with the CFPB, this account is not reporting accurate or complete information. TransUnion has not provided investigation results. The CFPB suggested contacting the XXXX XXXX XXXX XXXX, but no contact information was provided. This makes the reported information unverifiable. Attached : Copy of the response from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite evidence provided by XXXX XXXX XXXX confirming the account 's full payment as of XX/XX/XXXX, TransUnion has not updated its information. This account needs to be removed from my credit report. Attached : Copy of XXXX XXXX XXXX XXXX 's response. 

5. XXXX XXXXXXXX XXXX Account ( Account Number : XXXX ) : XXXX XXXX XXXX confirmed credit revocation on XXXX XXXX XXXX. However, TransUnion reports conflicting information, with the date of last activity as XX/XX/XXXX. This account must be removed from my credit report. Attached : Copy of XXXX  XXXX XXXX 's response.

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