vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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 formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Additionally, I demand verifiable proof, including documentation bearing my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ].

Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and promptly remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe required by the FCRA.

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 2025-01-13 00:00:00
Product: Debt collection — Other 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: AZ

Complaint narrative:
Columbia Debt Recovery LLC, doing business as Genesis, was retained by The XXXX XXXX XXXX, doing business as The XXXX, and XXXX XXXX XXXX for the purpose of alleged debt recovery. 

Specific Allegations Tampering with Residential Lease/Unlawful Collection Practices : Columbia Debt Recovery LLC dba Genesis has employed aggressive and deceptive debt collection practices, including attempts to collect debts based on the altered lease. They failed to provide proper validation of the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) and causing undue stress and harm. 
Rent Collusion Allegations Against XXXX : Current Unlawful Acts by Columbia Debt Recovery LLC : Recent reports indicate that Columbia Debt Recovery LLC dba Genesis continues to engage in unlawful collection tactics, including misrepresenting the status of debts and failing to comply with legal requirements for debt verification. 

Legal Violations The fraudulent actions of Columbia Debt Recovery LLC violate several state and federal laws, including : Fair Credit Reporting Act ( FCRA ) : This federal law requires accurate representation of consumer debts and permits consumers to dispute and verify debt. 

Fair Debt Collection Practices Act ( FDCPA ) : This governs the conduct of debt collectors, prohibiting abusive and deceptive practices. 

A.R.S. 33-1310 - Rental Agreements : This statute outlines the fundamental requirements for rental agreements, emphasizing the necessity for transparency and mutual agreement in such contracts. 

A.R.S. 12-1601- Statute of Frauds : This statute requires certain contracts, including leases that exceed one year, to be in writing and signed by both parties for enforceability. The unsigned agreements presented by the defendants raise severe concerns about their legitimacy. 

Request for Action Given the serious nature of these allegations, I kindly request that your office conduct a thorough investigation into these matters and take appropriate action against the involved parties. I seek restitution for the damages incurred as a result of their deceptive practices and any assistance your office can provide in rectifying my situation. 

Supporting Documentation Attached to this complaint are relevant documents, including a copy of the original 5 Day Notice with lease term, any correspondence with The XXXX XXXX, XXXX XXXX, and Columbia Debt Recovery LLC dba Genesis, and any other pertinent information that supports my claims. 

Thank you for your prompt attention to this important matter. I look forward to your response and the necessary actions to address these fraudulent acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$56000.00} - Charge off 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 2025-01-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-01-13 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or around XX/XX/year> my Bank of America prepaid debit card got stolen out the mail before reaching its destination so after not receiving it around the except time frame. I contacted the sponsor who advised me that my unemployment had been approved and that the payment had already been processed and received by Bank of America but once I contacted Bank of America I was told that I had a balance of {$1.00} when its supposed to be {$13000.00} so I started asking questions about the funds which the representative gave me the list of the 16 transactions to were this is why my account balance is {$1.00} which at that point I had advise the representative that every last transaction was done without my knowledge and consent so she took a recorded statement or whatever and she began to help me dispute each one and had given me the two claim numbers for the 16 unauthorized usage of my prepaid debit card. I supported the claim with indeed direct supporting documents only for them to say claim denied due to card going to the correct address and activated with my credentials when clearly I was XXXX  and I had told them that I was a victim of identity theft and they over looked everything I had said and provided to sustain my claim so now Im here looking for the help that I need to get my funds thats wrightfully is due to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXCharge off XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} XXXXCollection 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 2025-01-13 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX Amount : {$6900.00} Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I wrote to experian requesting to verify the info on student loan accounts XXXX, there been missing data and it came back verified when it all look the same. There are payment dates there when I have never made a payment on that account. Experian came back verified, refusing to do a proper investigation. 
XXXX XXXX  account is showing inaccurate payment date and that was addressed and experian came back verified. Cfpb is suing them for failing to do a proper investigation and I fell victim to that many times.

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 2025-01-13 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 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:
TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELETION IMMEDIATELY ( 8 accounts ) & UPDATE IN THE ENTIRE PAYMENT HISTORY, PAID AS AGREED, NEVER LATE, PAID ON TIME ( 2 accounts ). YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) UPDATE THESE ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID AS AGREED, NEVER LATE, PAID ONTIME : ( 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 2025-01-13 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$16000.00} -Collection 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 non-monetary relief
Consumer complaint received 2025-01-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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