vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I have a very unfair credit report also a lot of third party members have my information and credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
No amount owed due to rat infestation, released from lease. 
All monies reported to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 
I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review. 

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 

I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review. 

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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 explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am fiing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 469K ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have previously sent a request for debt validation of this account with Portfolio Recovery Services and never received anything from them with this information and now it is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a letter from a debt collector for a loan I did not take out. I called XXXX XXXX and they told me the funds were not distributed however I have XXXX on my credit report. I was not aware until I started receiving letters and texts from the debt recovery solutions. I filed a police report on XX/XX/year> online with XXXX XXXX ( tracking number is XXXX ) however have not been contacted. I have disputed with transunion and XXXX and froze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
These are the accounts I have marked inaccurate : - 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 explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
These are the accounts I have marked inaccurate 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Hope this Message reaches you in excellent physical condition. 

I am writing to bring specific inconsistencies in my Credit Report to your attention, Specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( B ) under the Billing Error Category : ( 4 ) The Creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, Which ought to render any ramifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error therefore.

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 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/year>. Accounts : XXXX XXXX XXXX, XXXX XXXXXXXX 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 2025-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/year>. Accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

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 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I paid off my lease in full within 90 days XX/XX/scrub> 2023 with ACIMA in the amount of XXXX They some how reversed the payment XXXX XXXX2023 and applied to back to my account XX/XX/scrub> 2023 and now they are charging me an additional XXXX dollars They keep sending me settlement. Offers I should have a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. 
Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Experian has failed to notify me of the methods used to verify the disputed accounts. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation, as required by law. I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts. Written documentation of the verification methods used. Immediate deletion of any unverifiable or inaccurate information and payment history. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress and credit denial. Thank you for your attention to 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have told the account wasnt mines and they didnt do nothing about itte

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have told the account wasnt mines and they didnt do nothing about itte

Company response to consumer: Closed with explanation