vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX INT Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Debt Collection, Violation of Computer Laws, Forgery, and Fraud To : Columbia Debt Recovery LLC, dba Genesis Address : XXXX XXXX XXXX, XXXX, WA XXXX To : XXXX XXXX XXXX Address : XXXX, CO Date : XXXX From : XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address the serious legal infractions pertaining to debt collection, computer regulations, forgery, and fraud perpetrated by Columbia Debt Recovery LLC , operating as Genesis, in collaboration with XXXX XXXX XXXX 

On XXXX, I received correspondence from Genesis ( XXXX. # XXXX ), falsely asserting an outstanding debt owed to XXXX XXXX XXXX. This deceptive claim, a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), was made with full awareness of its fabricated nature. 

This fraudulent assertion emanates from XXXX XXXX XXXX 's discriminatory actions against me, documented and reported to relevant authorities, presently under federal investigation for ADA violations. 

The collaboration between XXXX XXXX XXXX and Genesis to propagate forgery and fraud exhibits a blatant disregard for the law and an attempt to conceal their discriminatory practices. 

Moreover, evidence suggests that XXXXXXXX XXXX XXXX unlawfully disclosed my personal information to Genesis without consent, violating the Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ), causing significant distress.

In light of these grave violations, I demand the following actions : 1. Cease and Desist ( FDCPA 1692c ) : Halt all debt collection attempts and cease communication regarding this matter.

2. Rescission of False Debt Claim : Provide a written retraction of the false debt claim, acknowledging its fabricated nature. 

This letter serves as formal notice of my intent to pursue legal action if necessary. 

I demand that you treat this matter with the utmost urgency and respect for my rights. Failure to comply with my demands will result in the initiation of legal proceedings, including federal civil lawsuits and criminal prosecution. 

Sincerely, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX XXXX, for the past XXXX XXXX XXXX  months via the dispute request filed, Nelnet continually refuses to provide the correct balance, account status information ( Closed or transferred to XXXX ) to XXXX so that my credit report can be more accurate. 

Nelnet has provided the attached letter to me dtd XXXX XX/XX/XXXX. 

I have provided the attached letter to XXXX via each dispute request filed ( XXXX filing to-date ). 

I'm being informed by XXXX each time I speak with a representative over XXXX XXXX student loan account are still being incorrectly reported because Nelnet is sending " false or inaccurate information '' that doesn't match the attached letter adjustment information for all XXXX recipients. 

Nelnet has provided the information in the attached letter to XXXX and XXXX on or about XXXX XX/XX/XXXX. 

Department of Ed Ombudsman complaint was filed via their website XX/XX/XXXX- currently awaiting a response from them. 

Last XXXX  rep spoken to, XX/XX/XXXX @ XXXX, encouraged me to file a complaint with you ; hoping you can get this resolved for me and other XXXX recipients. 

Thank you in advance, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
The company and the debt collection agency that received payment for my private information are bias and are violating my rights as a consumer

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 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: MS

Complaint narrative:
i recently check my credit report and notice a account that is not mine from citizen pay line of credit for {$2600.00} and i would like for it to be deleted from my credit report. i will include my FTC report below for your reference.

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 2024-02-09 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: TX

Complaint narrative:
I reviewed my credit report and found incorrect and inaccurate information 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 non-monetary relief
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have already been hit with XXXX overdraft fees of {$36.00} each this year. Due to these fees it has put me in a position where this is going to continue to happen and only get worse. Any person with a shred of decency and understanding of what this does to people would do the right thing to help their customer to avoid this ongoing issue. Instead my bank, PNC, is showing that they are reliant on charging fees to pad thier annual profits to the tune of more than {$200.00} XXXX in XXXX. I have had this issue with them each of the past 4 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am a square customer. I recently processed a transaction. Square charged me XXXX in fees. Then locked my account, delaying my receiving funds. I provided them with every document they asked for and then some. They have refused to help me, and they have refused to release my money, this is for their gain, and no one benefits from this but them. This is their way of addressing or hiding their financial issues. I have sent them all the proof requested that this was a legitimate transaction. I even included the images from XXXX XXXX XXXX XXXX thought this was a fraudulent charge, hence why the card was declined until the customer advised XXXX this was a valid transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: GA

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 2024-02-09 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: GA

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

XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX Sincerly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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:
Im a consumer who has been directly impacted by actions identified in CFPB consent order of XXXX  against XXXX XXXX. 

Ive long disputed this debt and as its clear that XXXX violated the XXXX and XXXX, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. XXXX has continued to report the same debt as XXXX different derogatory trade lines with XXXX. 

I received no compensation after the finalization of CFpB consent order.

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 2024-02-09 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:
XXXX a consumer who has been directly impacted by actions identified in CFPB consent order of XXXX  against XXXX XXXX. 

Ive long disputed this debt and as its clear that XXXX violated the XXXX and XXXX, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. XXXX has continued to report the same debt as XXXX different derogatory trade lines with equifax. 

I received no compensation after the finalization of CFpB consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. I was told that a letter of deletion would be sent to this company and be resolved immediately 60 days but its still showing on my credit profile. For accounts Company Name : PORTFOLIO RECOV ASSOC Account number : XXXX has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Reports of several late payments ; and CBNA has not provided any documentation to prove otherwise.

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 2024-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Worth Finance company is a scam. This company has too many bad reviews. They sent me a loan check in the mail back in XXXX of XXXX for {$1200.00}. ( I should have known it was too good to be true ) with a HIGH interest rate. Anywho, I have been paying them monthly until I lost my job last year in XXXX of XXXX. I told them about my situation. They kept calling me about making payments. I got frustrated with the MANY calls I have received. Of course I blocked their number and they called from SEVERAL different numbers. Even harassed my mom to where she had to block them as well. They also came to my home a few times to leave a letter which is pretty much harassment at this point. They were invading our privacy. Theyve also emailed me today, XX/XX/XXXX and I spoke with a lady over the phone about my situation. I tried emailing her back, but they have it set to where I can not reply back to them. She was still wanting me to make a payment and threatening me about taking it to court and possible taking me to jail. She did not allow me to talk and was talking over me when I stated they were harassing me and even came to my home a few times. Then she hung up the phone in my face. She knew they were wrong and didnt want me to say my peace on a RECORDED LINE. She was not professional at all.

Company response to consumer: Closed with explanation