vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I am writing to formally dispute the inaccurate information that Columbia Debt Recovery, XXXX Genesis has reported to the credit bureaus ( XXXX, XXXX, and XXXX ) regarding a debt allegedly owed. Columbia Debt Recovery reported a debt to the credit bureaus indicating that I owed {$4300.00}. However, this information was incorrect from the beginning. After my dispute, Columbia Debt Recovery adjusted the amount owed to {$1600.00}. This adjustment was reflected on all three credit reports. 
While I appreciate the correction of the amount, the fact remains that the initial information was inaccurately reported. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be complete and accurate. The inaccurate reporting of the original amount has caused damage to my credit score and financial standing. Given that the original reporting was inaccurate and misrepresented the actual amount owed, I request that Columbia Debt Recovery immediately remove this account from my credit reports. According to the FCRA, consumers have the right to dispute incorrect or incomplete information, and the reporting agency must correct or delete inaccurate or unverifiable information within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), Columbia Debt Recovery is prohibited from engaging in any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. The original reporting violated this statute. 

Resolution Requested I am requesting that Columbia Debt Recovery : Immediately cease reporting this inaccurate debt to all three credit bureaus. 
Remove all references to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Provide written confirmation that the inaccurate information has been removed from my credit reports. 
Thank you for your prompt attention to this matter. I expect a resolution within the timeframe allowed by law. Please be aware that failure to comply with this request may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-15 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
This company has violated the Fair Debt Collection Practices Act by continually trying to contact me by calling my employer. I spoke to XXXX of the agents at the local office at XXXX XXXX XXXX XXXX XXXX XXXX and explicitly explained that my corporate office number was not to be used to contact me. I also mentioned that I would be calling at a later date to address their concerns. However, I was notified by my XXXX XXXX that they were still receiving calls from OneMain Financial trying to reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX or XXXX impending an account with citi bank with cash, a savings which I deposited {$6000.00} and a checking which was {$1200.00}. On XXXX the XXXX they froze my account because I tried to use my temporary card and it didn't work. So they said suspicious activity. I went into the XXXX branch of citi bank and they helped me get it unblocked. I go home and try to use the card in XXXX  it's blocked again. I go back the next day into the branch XXXX XXXXXXXX XXXX  and they say I need a reference number to unblock my account. It will be in the mail 7 to 10 business days. I haven't had access to my funds for 10 days and still no letter with a reference number. I received XXXX letters from them XXXX. A welcome letter and to with the same code and it said to call and give them this code I called gave them the code and they said it's another letter with a reference number that was mailed on the same day as the XXXX letters that I already received. I haven't had money for food or nothing else. I called them and they said wait for the letter which is nowhere in sight. I asked them can I come in the branch with proper identification and they said the branch can't do anything. The branch told me in person that I have to wait for the letter. I looked at the reviews and they do this to everyone which means they are mishandling money that's trusted to them.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
i have not recieved my Wells Fargo settlement check. please help me get my settlement check

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 2024-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
My account was closed due to a computer/bank error, causing my benefits to be returned ( that I still have not received ) and did nothing to rectify the issue. They should have seen the issue the computer caused and re open my account. Or, at least notified me in a timely manner to fixed the problem. 

XXXX called Simmons Bank because I had not received direct deposit of my XXXX XXXX XXXX XXXX 
Told to call collections, my account had been closed and turn over to that department. 
XXXX collections, but they could no provide any valuable information about the collection account. Had not received any information on the account information. 
XXXX bank customer service to see if they could assist me any further. 
XXXX went in person to the main branch location ( XXXX XXXX XXXX, XXXX Mo XXXX XXXX. I spoke with ( XXXX XXXX XXXX XXXX XXXX ) about why my checking account has been closed. She informed me she would do some looking into it and get back to me. 
XXXX I called Simmons Bank XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX ) no answer. 
XXXX called Simmons Bank XXXX XXXX XXXX XXXX XXXX she was still working to find out why account closed. 
XXXXXXXX XXXX called me back to explain account was permanently closed on XX/XX/year>, due to bank/computer error that could not be reversed. 
At that time, I had not received any letter with any bank error details or closing of my account. 
XXXX received a letter dated XX/XX/year> stating I needed to bring account to a positive balance. Nothing about my account being closed. 
XXXX received a letter dated XX/XX/year> from XXXX XXXX XXXX about the collection of the account. 
XXXX I still have not received a letter from Simmons Bank in reference to closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Debt Validation and Deletion Dear Sir/Madam, I am writing to dispute and request the deletion of the debt reported on my credit report by XXXX XXXX XXXX. The details of the debt are as follows : - **Original Creditor : ** XXXX XXXX XXXX XXXX - **Account Number : unknown - **Amount : ** {$390.00} - **Reported Date : ** XX/XX/year> I dispute the validity of this debt and assert that it is not mine. Please provide the following information to validate this debt : XXXX. **Proof of Debt Ownership** : Documentation showing that XXXX XXXX XXXX has the right to collect this debt on behalf of XXXX XXXX  Loan. 
XXXX. **Details of the Debt** : A detailed statement outlining the original amount, any interest or fees, and the total amount claimed. 
XXXX. **Information from the Original Creditor** : Proof from XXXX XXXX XXXX confirming the details of the debt and linking it directly to me. 
4. **Account Documentation** : Records showing that this debt is associated with me, including account numbers and any transaction history. 

If you are unable to provide sufficient validation within 30 days, I request that you remove this account from my credit report and cease all collection activities. 

Please confirm receipt of this letter and your actions taken to resolve this dispute. I expect a written response addressing this matter promptly. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Hello, I received text from Harris & Harris on XX/XX/XXXX XXXX Am to call or go their website upon calling I was informed I owed {$90.00} for services at XXXX XXXX XXXX for XX/XX/XXXX that I didnt go since XX/XX/XXXX for XXXX this is past due and in collection I dont understand why Harris & Harris and XXXX XXXX didnt call to verify if I was there to destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Debt validation sent XXXX XXXX. No validation sent. Yet still verifying as accurate with credit bureaus.  I need debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding an erroneous car loan account that has been opened in my name. I am a resident of XXXX, and I have no connection to this company or any vehicles registered under my name. 

Specifically, I am concerned about the following issues : Unauthorized Car Loan : An open car loan account has been reported under my name, which I did not authorize and for which I have no knowledge. This account has recently been reported as late, further affecting my credit. 

Incorrect Information : I do not live in Virginia, and I have no cars registered in my name. This incorrect information has been attributed to me, which I believe is a case of identity confusion or fraud. 

Immediate Removal Required : I am requesting the immediate removal of this erroneous account from my credit report and all records associated with XXXX XXXX XXXX. I am seeking your assistance in rectifying this issue to prevent any further impact on my credit and personal information. 

I have made several attempts to contact XXXX XXXX XXXX directly, but have not received a satisfactory resolution. I would appreciate your prompt intervention to resolve this matter and ensure that my credit report accurately reflects my true financial situation. 



Thank you for your assistance in this matter. 

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 2024-08-15 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: MA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX regarding an erroneous car loan account that has been opened in my name. I am a resident of XXXX, and I have no connection to this company or any vehicles registered under my name. 

Specifically, I am concerned about the following issues : Unauthorized Car Loan : An open car loan account has been reported under my name, which I did not authorize and for which I have no knowledge. This account has recently been reported as late, further affecting my credit. 

Incorrect Information : I do not live in XXXX, and I have no cars registered in my name. This incorrect information has been attributed to me, which I believe is a case of identity confusion or fraud. 

Immediate Removal Required : I am requesting the immediate removal of this erroneous account from my credit report and all records associated with XXXX XXXX XXXX. I am seeking your assistance in rectifying this issue to prevent any further impact on my credit and personal information. 

I have made several attempts to contact XXXX XXXX XXXX directly, but have not received a satisfactory resolution. I would appreciate your prompt intervention to resolve this matter and ensure that my credit report accurately reflects my true financial situation. 



Thank you for your assistance in this matter. 

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the Inquiry : 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