vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
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: CA

Complaint narrative:
Debt was not valid. 
Received multiple " final statements '' from the creditor and they continue to report mis information* Originally owed a credit of over {$1700.00}. Then false additional statements were sent saying I owed. 
Thy are now reporting inaccurate information to credit bureau ruining my good standing credit rating. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} FCO ( Original Creditor : XXXX XXXX AT THE PARK ) XXXX {$4900.00} XXXX XXXX {$790.00}

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 non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I ran my credit report because I am trying to refinance my house. I noticed this report on my credit that I had no idea what it was. I researched ( Googled ) Contract Callers ( supposed collection agency for a company called XXXX XXXX ) because on my credit report there is the wrong phone # ( XXXX is not the phone # ). After finding the correct phone # on XXXX ( XXXX ) I called on XX/XX/22 and talked to a woman named XXXX XXXX XXXX 's. The first phone call she gave me a possible fraud address and said that this was in collections under my SS #. The possible fraud address she gave me is, XXXX Trellis XXXX XXXX XXXX XXXX XXXX XXXX GA. 

The 2nd time I called Contract Caller 's ( on XX/XX/22 ) around XXXX p.m. XXXX, I was at the XXXX XXXX XXXX XXXX XXXX waiting for an officer to take my report on this fraud and she ( XXXX XXXX XXXX said that she has no record of me talking to her and that nothing is showing under my ss # for " Contract Callers ''. 

I am completely baffled as i don't know if " Contract Callers is the Fraud problem or this XXXX XXXX XXXX is. I don't know what to do as I have no idea who these company 's are and never had anything to do with them. 
I have made a police report with the XXXX XXXX XXXX, XXXX # XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MOHELA
State: AR

Complaint narrative:
I recently applied for home loan with XXXX XXXX who had problem approve me for home loan. Because MOHELA U.S. Department of Education has me owing them {$79000.00} Student Loan was granted College Degree in Music Major. Who only receive two student loan in the amount of {$5000.00} in two student loan. I feel I'm being taking advantage of because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Back doing XXXX. I stop going to college because had kids to support. So I took any kind of job to support my kids. To prevent them from being poverties. Because I grew up poverty by single mom with XXXX children without dad being presence in the home. I want to presume music career through college. Who had problem with system support my music career. It wrong to report someone owe {$79000.00} to credit bureaus owing {$79000.00} student loans. Who didn't graduate with college degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX Account Number XXXX Last Activity XX/XX/XXXX All accounts are reported as charged off with a last reporting date. These accounts continue to be updated monthly after the date of life activity. All accounts does not show a XXXX balance Not all the information is the same amongst the same bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Whom ever may concern, I was just billed a bill from a collection agency that a balance from XXXX is opened for {$750.00} but i paid all the debt owed to XXXX. company convergent is the collection agency has reached me and the bill was from XX/XX/2017 the letter from convergent advised me to file a compliant.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I opened up a credit card and gave them the information on my other credit card to do a balance transfer, 0 % until XX/XX/2023 and they transferred it to a savings account # XXXX that did not have a balance on it. I was not aware there was a XXXX on my savings account. There was no letter giving to me by the State or my financial institution that was supposed to be sent out about this XXXX. I was opening the new card up to pay another credit card. I am now paying for 2 payments and plus a balance transfer fee of XXXX, when it was not sent to my credit card # XXXX because there was no CC account number on the check sent in to 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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. Capital one closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I was indicated as being late on paying my load during the XXXX XXXX. I was late for one day. I have done, althought out of work, all I can to keep payments going on this loan, yet XXXX said they would need to evaluate and let me know. I continued to follow up. Recently they are telling me I'm late on dates that I am NOT late and they are saying that they already told the credit companies that they want the late reports removed from my record. None of the reports have been moved. XXXX often tells me this and I have to fight for it on a regular basis because even though I pay a month in advance, they are not good at their own accounting and their reps are very negative and speak rudely when addressing issues. I am asking that the dates that are on the attached letter from XXXX be removed from my record as they indicated they requested back in XXXX. They also never told me that they requested this be removed. It is still showing on my XXXX XXXX and my XXXX. My XXXX by the way seems to be behind as well. These companies are affecting people 's lives. What are you doing to make this right and to make sure they are more up to date and proactive in updating our records? I'm not sure I understand how they are allowed to drive people 's lives into the ground. I've overcome it, but kids with Student loans are dying on the vine!!! It's so mean and cruel. We need to do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1800.00} XXXX XXXX XXXX : XXXX -- -> : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
have had constant problems with continually failed or closed Cap One ATM up the streeXXXX where I make my payments at Capital One Caf They always apologize and recently I asked for a brand new card to remove that variable from the equation as well. Today i found out they charge/d a late fee ON THE DATE the payment was due at XXXX XXXX time- Which i said i would not pay ; for both reasons. They then said that they now will only credit once every 12 months - And i said aside from the atm failure 'you can't charge a fee while the day is still the day in-progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company XXXX and XXXX bought some illegal debt and has been harassing me as well as reported illegally on my credit report. This debt was paid thru XXXX XXXX and then called paid off because the loan is a loan that was considered illegal in CA as it was at 138 % interest and I paid 2 years ago and negotiated with original creditor. XXXX XXXX I disputed with and I proved illegal they need to remove this from my credit reports Experian and XXXX immediately. This was an illegal loan for 2500 that I paid over 4000.00. 

This is not owed and XXXX XXXX bought this from some other debt company that could not report it because it is illegal. I will not pay this company anything ever and I will get an attorney and go after them calling from spoof numbers, harassing me on the phone and threatening to show up at my house which is all illegal. I have stood my ground with them and want these removed from my credit reports immediately.. I already had another issue with this company buying a ghost debt that I proved not legitimate either and they removed. 

Experian 's online dispute does not work. XXXX was working on another dispute and I could not add this one for 30 more days.

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