vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Columbia Debt Recovery XXXX XXXX XXXX has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). Despite my timely request for debt validation on XX/XX/XXXX, the company failed to provide proper documentation within the required timeframe. Instead, it continued collection efforts and reported the debt to credit bureaus without proper verification. Additionally, Columbia Debt Recovery ignored my explicit request to communicate only via certified mail and continued to use unauthorized email correspondence. When I disputed the debt again on XX/XX/XXXX, the company failed to respond with sufficient validation but still reported the debt to XXXX, which upheld the account on my credit report. These actions have negatively impacted my credit and financial standing. I request that the CFPB take immediate enforcement action to remove the unverified debt from my credit report, halt Columbia Debt Recoverys collection efforts until full validation is provided, investigate its compliance with federal and state laws, and impose penalties for its unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have told them this account was not opened by me and to send me all information on this account. Haven't received anything from them. 
Jefferson Capital System {$2200.00} account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is refusing to remove a collection account that is not mine. Ive spoke to XXXX about the account because the account is not under my social security number there and I know nothing about this account no information about it at all XXXX can not help me. I've disputed this account 5 times and each time Experian states its mine. however the creditor that is reporting the collection account is saying this is not accurate XXXX has searched my social security number XXXX times Experian refuses to remove inaccurate information. The last phones that I had with Experian I told them of my findings and that this account does not belong on my credit report I was told that XXXX has to remove the account although I stated several times that my social security number is not the one on this account an Experian representative told me its not their responsibility call XXXX. there is no way Experian is investigating these accounts for if they were they would know that this is not my account of my social security number on the 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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
I answered an email from a merchant that I had previously purchased merchandise from stating I could get something from them at no cost. When I made the arrangements to receive the item, the merchant signed me up to a digital magazine without my consent. This digital magazine was charging me {$60.00} monthly on a XXXX XXXX  credit card I had used on the previous purchase. It went unnoticed for 10 months in which I was making {$50.00} a month payments to the XXXX XXXX  credit card company. After discovering what was happening, I contacted both the XXXX XXXX  credit card company, and the merchant. The merchant agreed to repay all of the money that was charged to the XXXX XXXX  credit card which they were only allowed to repay 6 of the payments before the XXXX XXXX  credit card company would not accept any more for unknown reasons. The merchant repaid the balance directly to me in a digital check. The issue is that the XXXX XXXX  credit card will not repay me for the payments I made to them each month so now they are keeping the money paid back by the merchant and also the money I paid them in monthly payments. This totals 10 monthly payments of {$50.00} by me, and 6 payments of {$60.00} the merchant paid back to them for a total of {$860.00} XXXX XXXX is telling me that since there was a balance on the account they will not repay me. There a balance on the account because of the merchant and the fact that XXXX XXXX  refused the final 4 repayments by the merchant to keep a running balance to make me pay them even more. Businesses like this should not be taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I contacted US Bank regarding a charge appearing on my statement that I did not make. 
The charge was for XXXX the merchant was XXXX XXXX dated XXXX XXXX. 

They said they would investigate. After hearing nothing from them for a couple of weeks I received a letter stating that I called and cancelled the claim. I never called to cancel the claim. 

I had to call them several times to get them to reinstitute the investigation. I also had my branch manager call on my behalf. They did not respond to his request either. 

Eventually, on XX/XX/year> I received an XXXX  XXXX page form requesting details already provided several times via phone calls. I filled out the form and returned it to US Bank. 

The first week of XXXX I received a letter dated XXXX XXXX stating that they were unable to assist me and I should contact XXXX myself. 

I contacted XXXX and was told they could not tell me how the charge was made or what the charge was for. 

They last XXXX numbers on the card are XXXX. 
I would appreciate any help you can provide on finally getting this charge investigated and removed. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

Name : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Western Union has placed my review, they have my sensitive information on file and has placed my transfer in progress. They are unwilling to refund my money asap as they took my money asap. Their rep lied to me about it being cleared and should be available, it is not. XXXX was almost combative when I asked for a supervisor. He finally relented. My biggest complaint is they have they given me the run around and have hung up on me XXXX  times when they say they are transferring me to a supervisor. They are unethical in their practices. They need tighter regulations for their fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I asked Capital One to issue me a credit for a purchase I never received. 

This is the letter I wrote to Capital One on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Capital One Dispute Department : In XX/XX/XXXX, my daughter and I needed a truck part which was a Pressure Steering Pump. I XX/XX/XXXX a company which I found to have the part I needed. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, and spoke with XXXX contact # is XXXX XXXX. Ordered the part and paid for it to be sent next day air. On XX/XX/XXXX I received the part the mechanic said this product did not fit or did not perform as we expected. I am not a mechanic ; however, I knew if it did not fit I needed to send the part back immediately so I can purchase a part that fit. I immediately contacted XXXX XXXX on XX/XX/XXXX telling him that I will be returning this part it does not fit. XXXX advised me if the part is in good shape and is not altered, I should be good to receive a refund. I confirmed with XXXX at that time it is ok for me to send it back to the address on the package, since they have several other locations, he said yes that was fine. On XX/XX/XXXX, I went to XXXX and mailed their unaltered part back. Tracking # is XXXX. Please see proof of delivery below from XXXX. Where they received and accepted the part back. 
So I waited a few days and did not hear anything so I called back on XX/XX/XXXX a few times spoke to XXXX and was then advised since the product was altered, which we did not have the product long enough to alter it, I would not be receiving the refund, and XXXX advised me that they were going to send me the product back so I can sell it on my own. Though I was not happy about it, I said OK. 
As of XX/XX/XXXX, which is the date I am typing this, I have not heard from them, nor have I received the part back. And now I do not want the part, its been over 60 days at this point. I want a full refund! XXXX XXXX after a few phone conversations, they have not sent the part nor refunded me. I do not have the Part, and no refund. I have tried on more than a few occasions to resolve ; however, it has proven to be a waste of time since they want to keep my almost {$900.00} purchase. Again, this is now over 60 days, and I am still dealing with this. I do not want the part ; I want a full refund. 
Thank you, XXXX XXXX I have attached the call log of my cell phone and the Dispute Department advised that I did not provide enough information. I have submitted all required. Also, with the charge, I still do not have the item I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid this debt to XXXX on XX/XX/year>. They have since reported on my credit and refuse a letter of deletion. They promised that the report XX/XX/year> was going to correct any credit issue. This is now affecting me purchasing a home. XXXX XXXX of contact was very rude and would not allow me to speak with anyone other than her.

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 2025-02-21 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-21 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-21 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: MN

Complaint narrative:
I am writing to file a complaint regarding errors I have found on my credit report and to request an investigation into these discrepancies. After reviewing my credit report, I identified two issues that I believe need to be corrected : A collection entry reported as of XX/XX/XXXX, for an amount of {$81.00} related to an American Account. This entry is inaccurate, as I have no record or recollection of any such debt associated with this account. I request that the validity of this collection entry be verified and, if found to be erroneous, promptly removed from my credit file. 
A collection entry reported as of XX/XX/XXXX, for an amount of {$530.00} linked to XXXX XXXX XXXX. I dispute this charge, as I do not recognize this debt, and I request that it be investigated further. 
An inquiry from XXXX XXXX XXXX, dated XX/XX/XXXX, which I did not authorize. This unauthorized inquiry is also reflected in my credit report, and I would like to request that this issue be investigated and corrected, as it negatively impacts my credit score I kindly request that the Consumer Financial Protection Bureau review these issues and assist in ensuring that my credit file is updated accurately. If further documentation or clarification is needed, please feel free to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: KS

Complaint narrative:
I let and account with XXXX XXXX go into collections in XXXX of XXXX so that I could negotiate payment because it was a predatory high-interest loan and I could not pay it. It was sent to collections to XXXX XXXX, a collection agency who contacted me. I spoke with them in XXXX of XXXX and they offered to settle the debt for {$1400.00}. I have been making payments on a debit card of {$140.00} every XXXX weeks and have now paid the full amount. I have contacted XXXX XXXX  XXXX times via phone in the past XXXX weeks to ask for the status of my account. The first representative I spoke with told me it had been returned to XXXX credit and she had no information. I called back and spoke with XXXX different representatives who told me they would escalate my questions and get me a status via email within XXXX days. That was a week ago and have not received any information. I called XXXX XXXX and they told me that my account was sent to another attorney in XXXX for collections and could not give me any information about the status of my account.

Company response to consumer: Closed with explanation