vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: CA

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 2024-08-05 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: TN

Complaint narrative:
problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. The basis of the derogatory comments is a result of XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease with a XXXX XXXX ( XXXX XXXX ) at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. XXXX then contracted with Columbia Debt Recovery to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt on the XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by Columbia Debt. I will also be filing a complaint against Columbia and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WI

Complaint narrative:
According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to XXXX XXXX related to human XXXX, as defined under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WI

Complaint narrative:
According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to XXXX XXXX related to human XXXX, as defined under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).

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 2024-08-05 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
To Consumer Financial Protection Bureau Subject : Formal Dispute of Unauthorized Credit Inquiry by Ally Financial I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Ally Financial Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Ally Financial was made without my explicit consent. I did not apply for credit or any related services with them. Under the FCRA ( 15 U.S.C. 1681b ), a credit inquiry requires the explicit consent of the consumer. 
Misleading Practices : I believe the inquiry was conducted under misleading circumstances, which further exacerbates the violation of my consumer rights. The FCRA emphasizes the need for transparency and consent in credit reporting.

Violation of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is both unauthorized and inaccurately presented on my credit history. 
Potential Harm and Liability : The presence of an unauthorized inquiry on my credit report negatively impacts my credit score and may affect my ability to obtain credit in the future. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with any requirement imposed by the Act, including unauthorized inquiries.

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report, ( XXXX, XXXX, XXXX ). The misleading nature of the inquiry underscores the need for prompt corrective action. Failure to rectify this situation will result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred as a result of this violation. 
Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report showing the correction. 

Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WI

Complaint narrative:
I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXX XXXX  - 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DallasAutos4Less
State: TX

Complaint narrative:
My insurance company totaled out the XXXX XXXX XXXX that I purchased from this company and made a payment of XXXX on XX/XX/XXXX. I was told on XX/XX/XXXX by the finance department that the payment was received and that my account has been paid in full no balance left as of XX/XX/XXXX and it is closed. I checked my credit report today on XX/XX/XXXX and was informed that Dallas Auto 4Less reported my account as a Collection/Chargeoff on XX/XX/XXXX instead of paid in full closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in 60 days to be removed.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 


Delete the late payments from my consumer reports 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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
schwab bank online schwab.com unavailable XX/XX/year> all morning. and not answering the phones. unable to access/move money. unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXXXXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2024-08-05 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: PA

Complaint narrative:
On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by XXXX. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: PA

Complaint narrative:
On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by XXXX. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Trying to obtain a HELOC from Navy Federal Credit Union ( NFCU ). We checked our credit scores before application, on XX/XX/year> received a call from NFCU that our scores were coming back as XXXX point lower than what we pulled from the myequifax.com site. On that same day I called XXXX to inquire why they are showing XXXX score but reporting a score to the lender that is XXXX points lower than that. I was told by XXXX that they could not provide this information but that it could be due to how the bank is running the credit score. How is that even relevant? I Do realize that different credit bureaus rate credit differently, however if I am looking up my own credit score from the same agency the lender is, how can it be that significantly different. This was for both mine and my spouses scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief