vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2023-11-25 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: NM

Complaint narrative:
I am submitting a compliant against XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is owned and operated by XXXX XXXX XXXX XXXX Additionally, I am submitting a compliant against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for attempting to collect debt that I do not owe. 

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and received and cashed the deposit check for {$310.00} on XX/XX/XXXX ( with damages already deducted from the initial {$500.00} deposit ). 

An email appearing to be from XXXX XXXX XXXX contacted me on XX/XX/XXXX attempting to collect {$130.00}. This was the first email I had received since the move-out nearly one year prior. However, XXXX XXXX State law stipulates the landlord has 30 days to contact the renter after the completion of a lease. XXXX XXXX XXXX is FAR past the statute of limitations to contact me. 

Moreover, the link to the payment site pointed to a non-XXXX  affiliated website XXXX XXXX XXXX XXXX XXXX XXXX, which indicated to me that the email was most likely fraudulent. 

I attempted to contact both XXXX and Columbia Debt Recovery via email on XX/XX/XXXX, but I have not received a reply. 

Additionally, my most recent credit reports from both XXXX XXXX XXXX show the collection account for money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of ID theft. I noticed on my credit report on approx XX/XX/2023 that I had late payments to a XXXX  XXXX XXXX XXXX XXXX  that I never applied for. XXXX XXXX claims they began an investigation but then proceeded to sell it to a collection agency in XX/XX/2023, while failing to notify me, no mail, no email, no phone call. I followed up in XX/XX/2023 with them and am hearing for the first time that they disagree with my ID theft claim because the address and phone match my records. I ask them why wasnt I notified and they claim they did notify me, which is inaccurate. 

XXXX has violated my rights with their XXXX XXXX XXXX team which is handling my case. They do not understand consumer protection laws like the FDCPA and wrongfully came to the conclusion I was not a fraud victim. My phone number was spoofed via sim swapping and my SSN along with address and License has been for sale on the dark web and I have a documented history of being a fraud victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I wrote TransUnion to investigate hard inquiries on my credit report. Today is XX/XX/XXXXXXXX  and I have yet to receive a response. The inquiries are a violation of 15 U.S. Code 1681b and I want them removed from my credit report with them. They were not initiated by me nor did they result in any sort of account on my credit report. I did not give the below companies authorization or permission to check my credit file with TransUnion XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: NY

Complaint narrative:
On dates of XX/XX/2020 = {$1500.00} XXXX {$1000.00} XXXX {$1000.00} This is just one of many fraudulent activites that happened when I started recieving my XXXX  from XXXX XXXX. 
These charges were money transfers from me to myself, i dont have two accounts. 
The bank in which this happened is : NetSpend XXXX XXXX XXXX XXXX, Texas XXXX Account XXXX XXXXXXXX I reported this issue as fraud as the bank knows I only have one account and they denied my claim. 
XX/XX/2020 - The card was also uses again threw XXXX, I looked it up on XXXX and its actually a hack. 
I also filed an IC3 report starting the issue and later found out it was a fake report and never made it to the Federal Security team. I will be doing that again as well, i would like to see my money back, this has been going on to long. 
XXXX XXXX XXXX XXXX I hope to hear from somebody soon,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: MA

Complaint narrative:
This is the same issue as my previous complaint against XXXX XXXX. Their so-called response was absolute XXXX. They committed illegal action and they are just doubling down. I am telling them that they need to remove the marks that were put on my credit report before they furnished me with the debt verification letter. If they look at the dates those marks were placed on, they predate me receiving the verification letter. Therefore, it is illegal under federal law! XXXX XXXX  is literally openly committing a crime. They did not acknowledge or address any part of my complaint. They must remove the marks that were placed there previously. In the response, I am asking the company do you understand that you were knowingly committing a crime? Do you not understand that those marks that were placed on my report before I received the verification letter are each individually their own crime? The CFPB can clearly see in the attached email chains that what I'm saying is indeed the true. They put marks on my credit report that were of a derogatory nature in direct violation of federal law. This is literally black-and-white. So either they remove them or they are going to lose any craft on money of in court.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS 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 2023-11-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2023-11-25 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my LAST written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS 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 explanation
Consumer complaint received 2023-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company 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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This XXXX XXXX account is in breach of federal laws and so is Equifax by allowing this to remain on my report even after Ive disputed it multiple times. The account is over 7 years old which by federal law states that it must be removed from my credit report. It has been removed from my XXXX and my XXXX. Ive requested multiple times via dispute for it to be removed from my Equifax but it has not been removed. This account has hindered me from the advancement of my credit tremendously over there years, I am physically and emotionally tired of it stopping me from growing financially. This is my final request for removal before I begin legal processes against Equifax as a whole and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I contacted an online loan company called Speedycash. They called me on this number XXXX. They told me they was going to send me XXXX to make sure my account was active and then I send it back to them and then they will send me my loan. I thought they were sending me the XXXX, I sent it to XXXX  and they gave me the address to send it to bitcoin. I was a little leary and thought it was odd but did it. Then told me they couldn't send me my loan amount because of my credit score. I told them that made no sense. Come to find out the bank credited me the money because the loan company called my bank acted as me and disputed the transaction. Then the bank took away my credit. My account is now XXXX XXXX can't help me and now I'm going to have to make payments to the bank until the account is right.

Company response to consumer: Closed with explanation