vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TriVerity, Inc.
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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 — Problem with personal statement of dispute
Company: AppFolio, Inc.
State: GA

Complaint narrative:
I request that the CFPB take the following actions on my behalf : 1. Investigate APPFOLIO 's Compliance with the FCRA. Urge the CFPB to investigate APPFOLIO 's failure to provide my consumer report within the required timeframe, as well as any patterns of non-compliance they may exhibit with other consumers.

2. Require APPFOLIO to Provide My Consumer Report or Remove All Associated Data : In light of XXXX 's non-response, I request that APPFOLIO be mandated to remove or block any information they may have shared with credit bureaus about me, as they have failed to verify and provide this data for my review.

3. Allow Me to Opt-Out of Any Data Sharing by APPFOLIO : Given my concerns about the lack of transparency, l also request the right to opt-out of any future data-sharing practices by APPFOLIO, as allowed under the FCRA.

4. Place a Security Freeze on Any Data APPFOLIO Holds on Me : Additionally, if possible, I would like a security freeze placed on any data they may hold about me to prevent unauthorized access.

Documentation : I have attached a copy of my original request to APPFOLIO for reference, including proof of mailing and other supporting documentation of my attempts to obtain my consumer report. Thank you for your attention to this matter and for your efforts to protect consumers from non-compliant reporting agencies. Please do not hesitate to contact me should you need further details. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX Attachments : Copy of request letter to APPFOLIO

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: AL

Complaint narrative:
I noticed a collection added to my XXXX credit report on XX/XX/XXXX from Genesis Credit Management. I sent a correspondence to validate said debt to XXXX XXXX XXXX on XXXX XXXX and I received confirmation via USPS that confirms receipt on XX/XX/XXXX. No confirmation to validate how the application was processed. I have since sent a follow up correspondence to XXXX on XX/XX/XXXX. I spoke with XXXX on several occasions without verification. I spoke with Genesis on XX/XX/XXXX, the rep stated that the transaction was done online. I advised that I was the victim of identity theft and emailed proof of my address at the time as well as a police report. Today, Genesis has added this collection to my XXXX report without valid confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-11-06 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: LA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-11-07 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: UT

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found item ( XXXX ) to be in error. In compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, false, and unverifiable accounts on my credit report that must be removed immediately. These entries are not only misleading but also violate my rights as a consumer. Despite my efforts to resolve these discrepancies, they remain on my report, causing ongoing harm to my credit standing. This situation has created undue stress and impacts my financial well-being, and I trust you will handle it with urgency and attention to consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
My cashapp checking account info was changed and I have not been able to log in. I contacted my employer to see if they could stop the paycheck from being sent to the account I no longer have access to & they told me I would need to contact the bank. When I contacted the bank, the lady I spoke with stated that even though I do not have access to the check that they would not be able to reject the check, meaning whoever has access to the account, will have access to the check when it is deposited. They let me know they appreciate my efforts and will list it as a concern but that there wasnt a way to send the check back to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
CreditFresh sold an account that allegedly belongs to me to XXXX XXXX XXXX XXXX. I received a call from an XXXX number about the account saying that my license was being suspended due a financial fraud affidavit related to this account. So, I immediately hung up, gave them a call and they spoke to me extremely poorly. Once again, the representative mentioned that I'd been charged with financial fraud and would be arrested the following business day and ordered to appear to provide a statement under oath. I repeatedly asked for additional information regarding the account and was hung up on and belittled three times by a paralegal. She gave me the name, XXXX XXXX ( XXXX XXXX XXXX XXXX, when I asked for her contact information. The other individual involved goes by the name, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This was a very stressful situation to deal, and I even communicated that I hadn't received any written correspondence prior to the phone call. The phone number for the debt collector is XXXX, and they also provided XXXX as an alternate. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: VA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Thank you for your prompt attention to this matter.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This information has been reported without my consent and is damaging to 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 2024-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, on XX/XX/year>, I deposited a $ XXXX check from the IRS to my business checking account. The check was a refund from the IRS and the funds were validated. 

Once I deposited it, BOA locked my account. They would not let me access any of my funds. They said they had to investigate the check and verify the funds. 

The process took over a year. The funds remained in the account because the check cleared. 

BOA then proceeded to close my account and instead of sending me the funds that were in my account, they told me they sent the funds back to the IRS ( which to me didn't make sense ). When I called the IRS they say they have no record of the payment. I called BOA back and once again, was told that it make take several weeks for the IRS to receive the funds but they will eventually receive it. 

I waited another year and the IRS has still no record of the check. My account with the IRS is in good standing, I owe no money. All the funds were verified and yet BOA still kept me from my money for almost two years.

Please, help me! Tell them to stop lying and treating people like criminals when they haven't done anything wrong.

When my account was closed, it was completely drained and I have no idea where that money is.

The IRS has no reason to lie to me and the only liar here is BOA. Please have them rectify this. Thank 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 explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The company doesn't have my permission to collect on this debt. I've asked for the original signed contract with my wet signature on it.

After filing a complaint with the CFPB the company has responded with vague explanations of their process. If this account isn't removed asap I will file suit against the credit bureaus and the collection agency referenced in the complaint. If this account was charged off, I should receive a 1099 from original creditor. None has been delivered, therefore fraud is being committed. Remove account ASAP or I will sue for damages totaling {$1000.00} for each violation.

Company response to consumer: Closed with explanation