vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
I left an apartment with proper notice due to a domestic issue with my XXXX XXXX. 
The apartment complex allowed me to leave in XX/XX/XXXX. My XXXX XXXX stayed until XX/XX/XXXX. 
The collection agency refuses to follow up with their client. They request emails to a no reply email so they can say you didn't respond and place on your credit. Which XXXX, genesis collections did. 
They have since hung up, placed my nee husband on hold for well over XXXX minutes. They have told us we're going to let them finish talking and yet don't ever let us finish talking without interruption. 
They have hundreds of complaints on the BBB for their tactics. 
They continue to ignore the request for them to read the lease that is invalid from the beginning or reach out to the client to confirm I was removed from the lease. The other 2 people on the lease are responsible. Yet, they're not being harassed and bullied like the company is doing to me.

Getting out of a domestic violence situation is not a joke, clearly this company feels like bullying me will get the debt paid but I will seek legal damages if this continues. 
This needs to be removed from my credit immediately. Instead of attempting to have us jump through hoops, they need to speak to the property manager. All that takes is a call. 
Their employees XXXX and XXXX wanted to argue or get payment, they could care less about doing the right thing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Theres an account reporting on my credit report with transunion that doesnt belong to me XXXX XXXX XXXX XXXX XXXXThis account has been deleted from XXXX XXXX XXXX XXXX however, its still reporting on transunion this account is fraudelent and im requesting a removal of this account from my credit. I tried calling Transunion but could not get through to a live representative.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: KEYCORP
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXX in XXXX with major in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
On XX/XX/year> there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I received an email from Capital One about a new card upgrade. They hit my credit, dropped it XXXX points, and I was sent the same card I already had. I had a XXXX balance with a line of credit for {$5000.00}. They did a hard pull as an existing account holder, to then send me the same card with a line of credit for {$1000.00}. Why would anyone want to do that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
According to the Fair Credit Reporting act ; FIRSTPOINT COLL RESOURCE INC and XXXX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with FIRSTPOINT COLL RESOURCE INC. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that XXXX and FIRSTPOINT COLL RESOURCES are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
According to the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX and EQUIFAX has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am not responsible for this debt with " XXXX XXXX ''. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted. I have contacted agencies each month since furnished on my consumer report. 

After recently reviewing my personal credit report, I became aware that EQUIFAX and XXXX XXXX XXXX are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Everytime they call I ask for an hardship letter an the representative always rude and I'm an elderly lady with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Still paying private loans after the Institutes of Art have been sued found negligent and have now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I wasnt really in the habit of checking my credit report around the time this collection reported so I was already past my 30 days for validations. Ive reached out to this company for original paperwork and proof a signature from the credit card and it hasnt been sent to me. Therefore this company is illegally reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX XXXX 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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America nevered responded or called me about opening up an account for my trust I have them my trust documents and still no response so they turned me down I have issue with them in the past with old accounts when someone used my identity to open up bank accounts in my name I been having issues with getting them disputed 12 usc 1431 these are the duties of the bank to provide service to the customer or consumer 15 usc 1681 my identity has been or privacy has been taken and used for whatever they wanted

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 2024-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Cash app automation does not recognize my account information and is in deceptive business practices with XXXX in which cash allows plaid to become an inadvertent POS to collect information when XXXX accounts do not recognize my checking or credit card accounts either. Will not activate my debit card with out verification of SSN. Which is an illegal trade practice. My account has been active for longer than a year. They accepted my funds without verification which is the most IMPORTANT part of the transaction. I was my money released and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to me.

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 2024-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My Sofi accounts have been restricted since XX/XX/XXXX because I received a deposit from my businesses credit card processor for my business with my name on it but Sofi kept the funds and restricted my access to the account. I havent been able to pay my bills or rent due no money being able to go in or come out. Ive called and I keep getting the same answer every time. When I first called the lady on the phone told me that my accounts were being closed and that they would be sending me a check for the amount of money in the accounts but nothing has been sent and the money is still in the accounts at Sofi, I just cant access it. I have since been evicted and was homeless for a while but now Ive had to inconvenience my family and stay with them. I worked for that money and now I cant access it. Please help, it would be greatly appreciated. I literally opened this account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment from XX/XX/XXXXon an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and

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 2024-05-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
First of all im a man that works XXXX XXXX theres an account for XXXXXXXX XXXXthat is reporting on my credit. i have never a day in my life been to XXXX and and company this account is fraudlent and im asking for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief