vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Collection Agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$30000.00} Amount {$33000.00} Status Date XX/XX/XXXX Status UNPAID XXXX The collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

I looked at my XXXX  and XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/year> Equifax. XXXX XXXX, XXXX, GA XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two bankruptcies being reported on my credit file listed below : XXXX  XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX XXXX XXXX XXXX  When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two bankruptcies being reported on my credit file listed below : XXXX  XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX XXXX XXXX XXXX When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX. 
Subject : Demand for Immediate Late Payment Removal To Whom It May Concern, I am writing to formally demand the immediate removal of the late payment from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA XXXX XXXX ( a ) ( XXXX ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this late payment from all credit reporting agencies.

2. Provide written confirmation of the late payment deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.

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 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$520.00} XX/XX/XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX  {$380.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX These credit accounts and collections are the results of identity theft and fraud.

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 2024-12-07 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: CA

Complaint narrative:
I discovered unauthorized hard inquiries on my credit report that violate 15 USC 16c-2. These entries are incorrect and negatively impacting my credit score. Kindly delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received a bill from XXXX in XX/XX/XXXX, trying to collect {$300.00}. The bill stated that I must pay immediate charges for a XXXX Non-return Fee. I never received that equipment. The cellular account was closed by XX/XX/XXXX. My attorney requested information on that year and XXXX and sent a letter to XXXX. They explained that I have XXXX  balance and no more intention for collection. Unfortunately, I no longer have the letter. Now, I received an email from my XXXX XXXX XXXX ( which monitors fraud or changes on my credit report with XXXX ) saying that my credit score was reduced to XXXX when my score typically ranges between XXXX and XXXX. I feel affected by the company collector named RADIUS GLOBAL SOLUTION ( on behalf of XXXX ), and this is reflected on 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 explanation
Consumer complaint received 2024-12-07 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: SC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have called American Express XXXX on separate occasions to inquire about my Hilton Honors XXXX card. One of the card 's member benefits is a {$200.00} semiannual credit towards stays at XXXX XXXX. https : //global.americanexpress.com/XXXX On XXXX, I purchased a night stay at the XXXX XXXX XXXX property . It is an eligible resort property for the credit for {$200.00}. XXXX XXXX XXXX I purchased the advance rate on the XXXX app. It was coded as a XXXX advance purchase. I stayed at the property on the night of XXXX and checked out on XXXX. I incurred an incidental charge of {$1.00} that was charged directly to the property. I received a credit of {$1.00}. This reimbursement informed me that the app purchase is a XXXX issue that is not coding properly to receive the resort credit despite me purchasing/staying at the hotel in reliance of the credit and based on good faith.

In the course of bringing this up to American Express ' attention, I've been given the run around, on one occasion was outright hung up on when requesting a manager, and have encountered line service reps who generally didn't know how to handle the issue. 

I finally got a representative the week of XXXX who understood the issue and gave me a case # : XXXX. I was promised a manual credit for the stay for the remaining semi-annual resort credit balance of {$190.00} to be credited against the {$200.00} charge no later than Thursday XXXX. 

On XXXX, after seeing no activity, I called into American Express. I got a rep who told me that the case got referred to another department and told me resolution is expected to take XXXX weeks. 

The charge was on XXXX. It is now XXXX with the stay already having taken place weeks ago. American Express has indicated that it understands that this is a coding issue and that I'm supposed to get the remaining semiannual resort credit as promised as an XXXX XXXX  provision. I have exhausted my options, can no longer count on American Express resolving this, and now seek CFPB review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I noticed discrepancies on my credit report concerning 15 USC 16c-2. The hard inquiries listed were not authorized by me and are lowering my credit score. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

TRANSUNIONXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 2024-12-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collections that I did not make nor did I approve anyone to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$15000.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-12-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
My card was used to make 12 withdrawal transactions of {$200.00} each and the card company will only approve the disputes for four of these charges! This is completely unrealistic and unfair seeing as I did not make any of these transactions and this {$2400.00} total was completely stolen from me and they are only willing to refund {$800.00} of it. This began taking place on XX/XX/2024. For transactions for {$200.00} withdrawals were on XX/XX/XXXX, four of them on XX/XX/XXXX, and for them on XX/XX/XXXX. I do not know at what time these occurred as the app does not show what time the transactions took place! I disputed all XXXX transactions individually and they will only approve for and none of them were made by me or authorized by me. This is the poorest debit card company I've ever encountered as many things on the debit card app are improper English grammar like they are written by someone foreign and every time I try and speak with some customer service Representatives it is a foreign person with a heavy accent that is of no help and tells me the same thing is over and over. This company representative is also tell me that I can only speak with the fraud department through email which seems fishy. Anyone who has a debit card by fintwist from Comdata I advise you to move your money into an actual account where you can speak with people and never use this company ever in your life.

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 2024-12-07 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: GA

Complaint narrative:
I am a victim of identity theft through Equifax data Breach attached is a copy of identity theft report with all fraudulent inquiries listed Fraudulent Equifax Inquiry XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am disputing the outcome of my claim. I was able to notice 2 unauthorized transactions done in XXXX XXXX that I know was not me. Chime denied my claim in XXXX hrs claiming no error detected. I dont think the investigation was thorough and outcome determined for a transaction that obviously and well noted done in XXXX XXXX XXXX I would like a review of this again given the amount or given the number to XXXXXXXX XXXX XXXX  XXXX to dispute the transactions further up the ladder. Being from the states I know when a transaction was made unauthorized and especially in a XXXX  country. Given the amount of money and distance I would like to reopen with a more thorough investigation. Thank you for your time. XXXX XXXX I sent the above to Chime after my dispute for XXXX transactions done in XXXX XXXX was denied. They reopened the case on behalf of a rebuttal and sent a link saying I provide a more in depth summary or supporting documents. I talked to XXXX people on multiple occasions saying the link they sent me would take me to the chime site saying Ive been blocked. I went up the ladder only to get the same response and results. Supervisor says they never heard of such thing and doesnt even have the response coming from chime. With further review the site is indeed from chime. Unethical to send links stating provide documentation only to receive youve been blocked from the link sent therefore I am out XXXX without a way to even plead my case in a more in depth way as suggested

Company response to consumer: Closed with explanation