vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am filing a complaint against NCB Management Services for multiple violations of the FDCPA and FCRA related to account # XXXX. Despite my repeated requests for debt validation over the past six months, NCB Management Services has failed to provide the legally required verification or supporting documentation. This inaccurate and misleading reporting has harmed my credit profile and caused financial and emotional distress. 

Specific Errors and Violations Failure to Validate Debt Violation : FDCPA 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection activities until the debt is properly validated. NCB Management Services has failed to provide any of the following : Proof of ownership of the debt Original creditor agreement Itemized billing statements Impact : Continued collection activity and reporting without validation are illegal and have caused harm to my creditworthiness. 
Inconsistent Reporting Across Credit Bureaus Violation : FCRA 623 ( a ) ( 1 ) requires accurate and consistent reporting. The account is reported differently across the credit bureaus : XXXX : Open, Balance {$1600.00} XXXX : Closed, Balance {$1600.00} XXXX : Open, Balance {$1600.00} Impact : These discrepancies misrepresent my credit profile and negatively impact my credit score. 
Misleading Past Due Amount Reporting Violation : Reporting a past due amount of {$1600.00} on a collection account is misleading, as the entire balance is already considered past due. This violates FCRA 623 ( a ) ( 1 ), which mandates accurate and non-misleading reporting.

Impact : Misleading information harms my creditworthiness and misrepresents my financial status.

Providing False or Misleading Information Violation : FDCPA 15 U.S.C. 1692e ( 8 ) prohibits furnishing false or misleading information to credit bureaus. Reporting a debt that has not been validated is a clear violation of this provision. 
Impact : This has caused undue stress, financial harm, and limited access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation, reinvestigation and further investigation. The account status is inaccurate. Please provide the source of your information and verification. Your company has continued to report these inaccuracies. This is My LAST and FINAL attempt before pursuing legal remedies against your company. I DEMAND YOU DELETE THESE ACCOUNT IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

Account : XXXX XXXX XXXX Account # : 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 2024-12-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : 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 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 consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are 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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are 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 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CARVANT FINANCIAL LLC
State: CT

Complaint narrative:
On XX/XX/year>, I sent a formal request to Carvant Financial LLC for a detailed breakdown of the {$4100.00} deficiency balance reported on my credit profile for an auto loan. My request included : The sale price of the repossessed vehicle. 
A detailed account of fees, charges, and interest applied. 
Documentation of payments made and how the deficiency balance was calculated. 
Despite allowing sufficient time for a response, I have not received any acknowledgment or the requested information. The account remains on my credit report unverified, and I can not confirm the accuracy of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX / XXXX XXXX BALANCED {$1200.00} XXXX  XXXX BALANCED {$16000.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX / XXXX XXXX BALANCED {$1200.00} XXXX  XXXX BALANCED {$16000.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00}

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 2024-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Conversation View Genesis - Initial Notice To me Tue, XX/XX/XXXX at XXXX XXXX  Message Body Columbia Debt Recovery XXXX, dba Genesis To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX PST, Monday to Friday Account : XXXXXXXX XXXX XXXXXX/XX/year> Columbia Debt Recovery LLC , dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. 


Our information shows : How can you dispute the debt? 
You had an agreement with XXXX, regarding XXXX. - Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
As of XX/XX/year>, you owed : {$4900.00} Between XX/XX/year> and today : - If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. 
You were charged this amount in interest + {$4.00} You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
You were charged this amount in fees : + {$3400.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$8300.00} Your account bears interest at 6.00 % percent per annum. What else can you do? 
- Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at XXXX. 
- Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
- Contact us about your payment options. 
- Pngase en contacto con nosotros para solicitar una copia de este formulario en espaol. 


How do you want to respond? 
Check all that apply : Mail this form to : Columbia Debt Recovery LLC dba Genesis XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want to dispute the debt because I think : -This is not my debt -The amount is wrong -Other ( please describe on reverse or attach additional information ). 
-I want you to send me the name and address of the original creditor. 
-I enclosed this amount : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Apt XXXX XXXXXXXX XXXX XXXX XXXXXXXX Make your check payable to Columbia Debt Recovery LLC , dba Genesis. Include the account number XXXX You can also pay online at : XXXX XXXX XXXX 

Notice : See below for important information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX EMAIL : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Accounts Blocking and Deletion Due to Data Breach Dear Equifax Team , XXXX XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card accounts opened, personal loans, and hard inquiries. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1300.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$2700.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$5300.00}. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX XXXX {$7100.00}. 
This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate information on my credit report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent credit cards 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 fraudulent items. I do not recognize the accounts, credit card accounts or hard inquiries as reported. The accounts, credit card accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, by me, or initiated by me. All the accounts, credit card, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, and hard inquiries are the result of identity theft, fraud, and Data Breach.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX Sincerely, XXXX XXXX XXXX : Proof of Identity Supporting Documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NJ

Complaint narrative:
I'm filing a formal complaint for the unauthorized inquiry contained in my credit file. Specifically, I request that you remove the inquiry from my credit report. I did not request this lender make the inquiry. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

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 2024-12-09 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of XXXX  ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX An auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXX BANK under the account number ( XXXX ). 
A collections account opened CREDIT COLLECTION SERV on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXX In. Co under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these items are 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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief