vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The account in question is invalid, as the company is not legally permitted to report this debt. They have failed to provide adequate proof of the debt, including essential personal information required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to communicate with them and request the necessary documentation to substantiate this claim, they have not responded or provided any verification. 

As per the FCRA, they are required to provide verifiable information to validate this debt. Given their inability to meet these requirements, I am requesting that this collection account be removed from all of my credit reports immediately. 

Please be advised that I am exercising my rights under the FCRA and demand the removal of this inaccurate information. If this matter is not resolved promptly, I will be forced to take legal action against both the collection company and the CFPB for failing to ensure my rights are protected. 

I appreciate your attention to this matter and expect a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Requested validation letter that this company is authorized to collect this debt. The break down amount owed. Proof I own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MD

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DC

Complaint narrative:
My information was exposed in 5 data breaches, with information being leaked on the darkweb. According to 605B, I have a right to have this infomtion removed. I've had scam calls, emails, 3 bank accounts that had to be shut down due to someone stealing my belongings, and identity. I have provided several documents to experian, with valid information. They continuously violate my rights by allowing fraudulent information to be attached to my name, and shared with third parties, that is in violation of USC 1681b. I pulled my credit report from XXXX, which doesn't show student loans or a bankruptcy. I have attached that for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All reported on my Experian credit report. These must be removed according to 15 USC 1681 c

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
Account XXXX XXXX XXXX ) was paid XXXXXX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. Being paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
Account XXXX XXXX XXXX ) was paid XX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. Being paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
Account XXXX XXXX XXXX ) was paid XX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. Being paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I would like to file a FTC report stating my credit was jeopardized by hackers due too the three billion people credit breach and my credit was and is affected by the scammers breach 3 billion XXXX citizens credit which no one seems to care about or due there due diligence on the behalf of the consumer being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Concerning Citi Bank Accelerate Savings Account : XXXX - routing number XXXX. 

I previously wrote a letter to Citi Bank requesting that they close my saving account. Then, I transferred the funds in the account to an outside bank. The bank remains open. 

I phoned Citi Bank and after waiting XXXX hours on the phone to speak with someone, the man that answered said he could close my account, but then proceeded to request a password. I provided the password that I had written down for the account which is a password that I had used at other times. He informed me that the password was not correct and that he could not assist me unless I provided a debit card number. I DO NOT have a debit card for this account. All transactions on the account were made on-line through bank transfer I am unable to get this account closed, and as of today I noticed a XXXX {$4.00} balance on the account. Thus, I tried to transfer money into the account to cover the XXXX shortage and the process could not be completed. Is that because the account is closed? I don't know. 

Can you please advise me on how to get the account closed since writing the bank a letter and then attempting to close it by phone does not take care of this situation.

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 monetary relief
Consumer complaint received 2025-03-02 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: WA

Complaint narrative:
I have had two XXXX XXXX  accounts haunting my credit report for many years. These accounts are not mine. I never have ever used that bank or card service in my life. 
I called and asked them to verify the debt they werent able to. They said they marked the accounts as fraud and its still showing up negatively on my reports. 
Please remove these accounts and untie my name from them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: WA

Complaint narrative:
I have had two XXXX XXXX accounts haunting my credit report for many years. These accounts are not mine. I never have ever used that bank or card service in my life. 
I called and asked them to verify the debt they werent able to. They said they marked the accounts as fraud and its still showing up negatively on my reports. 
Please remove these accounts and untie my name from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
To Whom It May Concern at the CFPB, This is my third/fourth attempt to have the following fraudulent accounts removed from my credit report. Experian and Equifax continue to auto-verify these accounts without proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). I have now obtained a notarized identity theft affidavit and am demanding full compliance with federal law.

Fraudulent Accounts to Be Deleted Immediately : XXXX Account # : XXXX ( Experian, Equifax ) XXXX XXXX XXXX Account # : XXXX ( Equifax ) Legal Violations by Experian & Equifax : Experian and Equifax are violating the FCRA 1681c-2, which requires credit bureaus to block fraudulent accounts immediately upon receiving a valid identity theft report. 

Additionally, under FCRA 1681i, they are required to conduct a proper reinvestigation, which they have failed to do by relying on automated verification processes instead of contacting the actual creditors.

Fair Resolution to This Issue : I am demanding the following : Immediate and Permanent Deletion of the fraudulent accounts listed above. 
Written Confirmation from Experian and Equifax that these accounts have been removed.

Compliance with the FCRA, ensuring that all future identity theft disputes are properly investigated and resolved as required by law. 
A Formal Statement from Experian and Equifax explaining why these accounts were not removed in the first dispute, despite sufficient evidence of fraud.

Failure to comply will result in further legal action, including potential claims under FCRA 1681n, which allows for damages of up to {$1000.00} per violation, plus punitive damages and attorney fees.

I expect Experian and Equifax to resolve this matter within 15 days and provide written confirmation of the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
My personal information was exposed in the data breach that affected billions of people and info on my credit profile is wrong and not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
My personal information was exposed in the data breach that affected billions of people and info on my credit profile is wrong and not correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My wife who is authorized on this card called this bank tonight in regard to two charges from almost a year ago on this account. She had difficulty. 
This bank is absolutely awful to deal with. Every time we go on to do something its a major issue. First of all there is no contact us section to message them online. Why? 
People have to call in? That is so archaic and really an inconvenience for a customer. 
We waited 20 minutes to get through and then my wife was asked to verify the phone number on account. She literally gave four phone numbers, every number we ever had and nothing matched or so they claimed. So now they had to call us. The security is totally overkill and annoying. 
She finally got to the issue with the dispute of the two charges. She explained what was going on. We do not recognize these charges. She even tried to XXXX do research and check our email for those dates to see if anything popped up with that name. Nothing. 
The rep tells us that we had to have a new credit card sent to our home. 
A new credit card? Why? For two small charges from a year ago? She said its due to the claim of fraud. First of all its a year ago. There were several charges after that, quite a few over a full year. If there was fraud, it did not occur again and our card was obviously not at risk. THe charges were from XXXX and XX/XX/year>, from XXXX XXXXXXXX XXXX XXXX, XXXX MA XXXX numbers XXXX and XXXX. 
Everything is a major production with this company. We have protested charges before on cards. It happens, thankfully not often but we never had to replace our card. As a matter of fact a year or two ago, I am sure we protested a charge on with this Bank of America card. We actually won that dispute. We did not have to change that card. 
We couldn't even process the dispute because of this nonsense. This bank is just full of annoying rules and regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$25.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XXXX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$25.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XXXX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief