vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : XXXXXXXX XXXX XXXX XXXX XXXX, with a balance of {$4600.00}, listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, XXXX XXXX XXXX XXXX XXXXXXXX, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-10-23 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:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 ; XXXX XXXX XXXX 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.PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC began showing as collection on my credit report. I googled the number and called. They advised it was a credit card debt, but would not provide me with information needed about collection. I have disputed with credit reporting agencies and it was deleted, but has now showing back up on the reports. The credit card company has been predatory by adding fees and other charges that we not owed. I closed credit card due to predatory practices and had a balance less than {$100.00}. They have added fees and created over {$600.00} of fees that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
I was shocked this morning to see inaccurate accounts on my credit report, and I have no clue why. I check my report regularly, and this time, there were random discrepancies. I even refreshed my browser, thinking it might be a glitch, but it wasnt. These wrong accounts stayed there, so I need the documents I submitted to be fully reviewed to put my mind at ease.

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 2024-10-23 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: FL

Complaint narrative:
I HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: AR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEP BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) 281 SE 715, 719, I PRESUME THAT NO PROOF OF THE ALLGED DEBT NOR THEREFORE ANY SUCH DEBT IS MINE, THESE ACCOUNTS ARE FRAUDULENT AND NEEDS TO BE REMOVED ASAP FROM MY FILE.

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 2024-10-22 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 interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-22 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: TX

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 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: IL

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-10-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-10-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-22 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: CA

Complaint narrative:
I am writing to express my deep concern about the security of my personal information, as I have observed inaccurate items repeatedly appearing on my credit report that are unrelated to me. I am highly concerned about the potential risk of unauthorized access this may pose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The company continues to report fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Chase credit card limit was reduced from {$12000.00} to {$2100.00} on XX/XX/XXXX for XXXX credit card ( XXXX ) that I have had since XXXX with that credit limit. I have had the same credit limit since that time and have consistently either paid over the requested payment amount or paid it in full. There was no reason my credit limit was reduced and I was not notified by mail, only on the " notices and letters '' function on my online account ( which was not readily seen ) with no other email alert or any indication that this was occurring or that I had a right to have the action occur in advance and that I had a right to an appeal. The only way I found out was when I used the card on XX/XX/XXXX for a rental car while on vacation and was told it was declined when I only had a balance of {$1700.00} on the card- well under my {$12000.00} credit limit! I was stunned, embarrassed and confused as to why this had occurred. I contacted Chase and was told that it could be any of these reasons : they looked at my other accounts where I had outstanding credit balances and my credit usage was high ( none of their business! ) since this was an existing card- not a new application for a card and a history of low payments relative to balances -Completely false, and untrue in fact the opposite is true. I also noticed that another Chase card limit ( XXXX ) was reduced on XX/XX/XXXX from {$44000.00} to {$40000.00} that I have had since XXXX and also paid {$500.00} per month ( more than the minimum payment ) and recently paid {$20000.00}. I have just paid the other card in full as I don't want any further business with Chase as their practices are unethical, and abhorrent. They must be having difficulties in their business to begin treating their customers in this shady manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I had received an email in XX/XX/year> regarding that there's been a change to my XXXX XXXX credit which came from Capital One. I had called out to Capital One the same day to see if there was any unusual account on my account after reading the email to the representative. It was mentioned that I had an inquiry regarding a car loan which I didn't authorize. The Capital One representative kept asking me to read additional information from the email that I've received. The representative didn't bother to escalate this unusual activity to management / or to the Capital One Fraud department. I'm currently feeling uncomfortable with how the business has been conducted. It appears that I've been exposed to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
My credit report have inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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