vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: AL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and inquiries listed in my credit report as a victim of identity theft and data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide protection for identity theft victims. 
I have identified the following accounts and inquiries that are not mine and were fraudulently opened or conducted without my authorization : XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-20 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-20 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: VA

Complaint narrative:
I am filing this complaint against Genesis Credit Management LLC for attempting to collect a debt I do not owe, falsely reporting this debt to credit bureaus, and engaging in harassing practices. The specific issues are as follows : XXXX. Invalid Debt Claim : Genesis Credit Management LLC is attempting to collect {$500.00} on top of the {$220.00} security deposit that was not returned by the original creditor, XXXX XXXX. This amount includes charges for alleged damages classified as standard wear and tear, which I am not responsible for under the terms of my lease agreement. I have provided Genesis Credit Management LLC with a copy of the lease agreement that explicitly states I am not liable for wear and tear, yet they continue to pursue collection. 
XXXX. Unlawful Charges : XXXX XXXX charged me an additional day of rent with a late fee of {$120.00}, even though I moved out on time. Since the property uses a keypad lock, I did not have a key to return except for the mailbox key, which I returned the next day. There was no justification for this charge. 
XXXX. Inaccurate Reporting : Genesis Credit Management LLC inaccurately reported this debt on my credit report, claiming to be the original creditor. However, XXXX XXXX is the original creditor, and this misrepresentation is both deceptive and harmful. 
XXXX. Harassment : Genesis Credit Management LLC continues to call me and my fiance daily, causing unnecessary stress and anxiety. 

Steps I Have Taken : I provided Genesis Credit Management LLC with a copy of my lease agreement proving that I am not liable for the charges. 
I disputed the inaccurate debt with the credit bureaus. 

Despite these efforts, Genesis Credit Management LLC has failed to address these issues, correct the credit reporting, or stop their collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
I am filing this complaint against Genesis Credit Management LLC for attempting to collect a debt I do not owe, falsely reporting this debt to credit bureaus, and engaging in harassing practices. The specific issues are as follows : XXXX. Invalid Debt Claim : Genesis Credit Management LLC is attempting to collect {$500.00} on top of the {$220.00} security deposit that was not returned by the original creditor, XXXX XXXX. This amount includes charges for alleged damages classified as standard wear and tear, which I am not responsible for under the terms of my lease agreement. I have provided Genesis Credit Management XXXX with a copy of the lease agreement that explicitly states I am not liable for wear and tear, yet they continue to pursue collection. 
XXXX. Unlawful Charges : XXXX XXXX charged me an additional day of rent with a late fee of {$120.00}, even though I moved out on time. Since the property uses a keypad lock, I did not have a key to return except for the mailbox key, which I returned the next day. There was no justification for this charge. 
XXXX. Inaccurate Reporting : Genesis Credit Management LLC inaccurately reported this debt on my credit report, claiming to be the original creditor. However, XXXX XXXX is the original creditor, and this misrepresentation is both deceptive and harmful. 
XXXX. Harassment : Genesis Credit Management LLC continues to call me and my fiance daily, causing unnecessary XXXX XXXX XXXX 

Steps I Have Taken : I provided Genesis Credit Management LLC with a copy of my lease agreement proving that I am not liable for the charges. 
I disputed the inaccurate debt with the credit bureaus. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Genesis Credit Management LLC ceases their unlawful and misleading practices. Their collection of invalid charges, failure to return my security deposit, and reporting of false information have caused significant harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo Happened about XXXX  years ago XXXX  XXXX : was all my investments very large amount I never got single document cause of postal sabotage XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Social Security XXXX Driver License XXXX XXXXXXXX It's was a joint account.

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 2024-11-20 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a XXXX of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a XXXX canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section XXXX ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
This account was charged off on XX/XX/year>. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : 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 2024-11-20 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-20 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts and inquiries that appear on my credit report. I have been the victim of a data breach, and the following accounts and inquiries were opened or made without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts and inquiries be blocked and deleted immediately. 
XXXX Accounts : XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX  XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX  XXXX  - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX XXXX XXXX XXXX Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXXXXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} Fraudulent Inquiries : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. PXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date :

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 2024-11-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the XXXX bureaus remove this incorrect information. Such misinformation damages my credibility. If the XXXX bureaus do not take action, I am prepared to file a case against them

Company response to consumer: Closed with non-monetary relief