vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: UT

Complaint narrative:
I moved out of XXXX XXXX in XXXX XXXX XXXX ( owned by XXXX ) in XXXX of 2022. Upon receiving my move out statement, there were ambiguous charges including a painting fee and a large cleaning fee. I asked XXXX directly for an itemized breakdown of the charges, in which they never responded to my request. I had reached out multiple times over e-mail. Eventually, my wife and I grew sick of dealing with them and went to pay the balance, however they had shut down our portal access and we were told our balance had to be paid over the phone. We then called the phone number to be told that our balance was {$500.00} more than what was on the paper at move out. We never received any clarification on this, and of course never agreed to the amount owed. Now my account is in collections at 10 % interest while I have never received clarification on the debt and the amount owed. I have attempted to resolve with both COLUMBIA DEBT RECOVERY LLC DBA GENESIS and XXXX  but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information. 

Specific Accounts in Question XXXX XXXX XXXX Original Creditor : XXXX  XXXX and XXXX XXXX Balance : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization.

Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question.

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations.

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice. 

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization. 

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.

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 2024-12-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XX/XX/scrub>XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Amsher Collection agency XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX XXXX reported a debt from XXXX to all three major credit bureaus on XX/XX/year> account number XXXX in the amount of {$4100.00}. I later contacted the collection agency to inquire about the debt and was told that they no longer had the debt in their company it wasn't handled in a timely matter. It was transferred to XXXX XXXX law firm ; I was given a phone number to contact them XXXX they had no knowledge of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report due to being a victim of a recent data breach. I have reason to believe that fraudulent activity may have been carried out using my personal information, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request these accounts and inquiries be removed from my credit file. 
Accounts to be blocked and deleted : 1. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$6800.00} 2. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$220.00} Inquiries to be blocked and deleted : 1. XXXX XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report due to being a victim of a recent data breach. I have reason to believe that fraudulent activity may have been carried out using my personal information, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request these accounts and inquiries be removed from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  {$220.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NV

Complaint narrative:
Failure to Validate Debt Account in Violation of FDCPA I am filing this complaint against Zions Debt Holdings for their failure to validate a debt account as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received a communication from Zions Debt Holdings regarding an alleged debt they claim I owe. In response, I promptly sent a written request for debt validation on [ insert date of your letter ], which was delivered via [ certified mail with tracking number, if applicable ] as proof of delivery.

Under the FDCPA, debt collectors are required to provide sufficient validation of the debt upon request before continuing collection efforts. Despite my request, Zions Debt Holdings has failed to : Provide verification or documentation proving the validity of the debt.

Suspend collection activities until validation was provided.

Since Zions Debt Holdings did not meet their legal obligations, I believe their actions violate the FDCPA. Their continued efforts to collect this debt without validation have caused me undue stress and confusion.

Desired Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action, including but not limited to : Investigating Zions Debt Holdings compliance with the FDCPA.

Requiring Zions Debt Holdings to provide complete and accurate validation of the alleged debt.

Halting all collection efforts until proper validation is provided.

Imposing penalties for non-compliance, if applicable.

Supporting Documentation : Copy of my written validation request letter sent to Zions Debt Holdings.

Proof of delivery ( e.g., certified mail receipt ).

Copies of any communications received from Zions Debt Holdings.

Additional Notes : I request that Zions Debt Holdings cease all collection efforts and communications with me until this matter is resolved, as per my rights under the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Late Payment Records from XXXX XXXX XXXX  and Comenity Bank XXXX XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the reporting of late payments from XXXX by XXXX XXXX XXXX  and Comenity Bank ( XXXX XXXX ) on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), these creditors have violated my rights under 15 U.S.C. 1681, specifically : Section 602 ( XXXX XXXX and Statement of Purpose ) : This section establishes my right to privacy, emphasizing the importance of ensuring that credit reporting practices are fair and protect consumer confidentiality.

Section 604 ( a ) ( Permissible Purposes of Consumer Reports ) : This section prohibits consumer reporting agencies from furnishing a consumer report without a valid reason, such as my direct authorization or a permissible purpose under the law.

Additionally, payments on open consumer accounts can not be reported as late if they are within the agreed-upon terms or grace period defined in the original account agreement. Reporting such payments as late without clear, documented authorization violates the FCRAs principle of ensuring accuracy and fairness in credit reporting.

As these rights and protections have been violated, I am requesting the immediate removal of these late payment records from my credit report.

Please confirm receipt of this complaint and advise me on the steps your agency will take to rectify this matter. I look forward to resolving this issue promptly.

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: WY

Complaint narrative:
Was gifted a {$100.00} prepaid gift card last XXXX. Recently attempted to find the balance via the website given on the back of the card. Website wouldnt display the balance or explanation of transactions ( dates, merchants, amounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and negatively affecting my financial standings.

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 2024-12-12 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and negatively affecting my financial standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TN

Complaint narrative:
I disputed transactions on my Netspend Skylight Card it said I used a XXXX  to withdraw funds when in actuality I dont own a XXXX  nor can I have one. The named XXXX Im assuming doesnt even have my SSN attached to it but they refused to refund my Money and theyre charging me unexplainable fees as well.

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 2024-12-12 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXXXXXX XXXX XXXX Account type : Secured loan Balance : {$2500.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name : XXXX Account type : Auto loan Balance : {$10.00}, XXXX Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name : XXXX XXXX  Account type : XXXX  account Balance : {$2200.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : XXXX  Account Name : XXXX XXXX XXXX Account type : XXXX XXXX Balance : {$530.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX Account type : Unsecured Balance : {$2000.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX XXXX Account type : Secured loan Balance : {$1600.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed Account Name XXXX XXXX XXXX  Account type : Secured loan Balance : {$530.00} Account number : XXXX Date opened : XX/XX/XXXX Open/Closed : Closed

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-12 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-12 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: NJ

Complaint narrative:
Unauthorized inquiries appeared on my credit report today without any clear reason, which is incredibly concerning. I regularly check my report, but this time, there were strange discrepancies. Refreshing my browser didnt resolve anything, and the inquiries remain. I am extremely frustrated and demand that my documents be reviewed promptly to ensure this issue is permanently resolved.

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 2024-12-12 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX has placed a lien on my vehicle amounting to {$10000.00}. Initially, when I took my truck in for repairs, I was quoted a maximum cost of {$5000.00} by XXXX XXXX. However, upon completion of the repairs, I received an invoice for {$10000.00}, which I disputed due to the discrepancy between the quoted and billed amounts. Unfortunately, I did not receive any written documentation to support the initial quote, and I had placed my trust in the company. 
Prior to the accident, I only owed approximately {$4000.00} to XXXX XXXX XXXX. I have now received a Notice of Sale, and I am deeply concerned about the potential loss of my vehicle. I have made multiple requests to both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX and XXXX XXXX to assist me in resolving this matter without incurring additional storage and late fees, but they have been unresponsive and unwilling to cooperate in halting the sale of my truck scheduled for XX/XX/year>. 
This situation has caused me significant stress and has adversely affected my health. I am committed to fulfilling my financial obligations and seek your assistance in this matter. 
Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation