vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - LATE/CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate, Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  in XX/XX/year> with a balance of XXXX and has account number XXXX, This account has resulted in multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud. 

Hard Inquires : 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 2024-12-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deposited a check with citibank at there ATM on XX/XX/year> at XXXX. and now the funds are being held until the XXXX of XXXX since they say the issuer of the check is holding it, spoke to the owner of my company an he stated that on his part its all good and that the check shouldn't be held. Called citibank and the 2nd person I spoke to wouldn't give me a answer on why its being held and then put me on hold of hung-up me, called in again and asked for a supervisor and he wasn't any help at all with any information, and said that I have to call him Monday to see what they can do

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 2024-12-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There were some inquiries on my credit report. I sent out debt validation letters and disputes but still havent got a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - Charge off

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 2024-12-21 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: SC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 
There is no legally admissible evidence to verify the accuracy of what Portfolio Recovery Associates : Opened : XXXXXXXX XXXX XXXX  is reporting {$2000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Portfolio Recovery Associates, in direct violation of the FCRA. I have discovered that Portfolio Recovery Associates fraudulent account. I need proof of a wet signature of an application w/ Portfolio Recovery Associates and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this is not removed. My consumer rights are being violated. Portfolio Recovery Associates accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
My prior landlord, The XXXX XXXX, falsely reported that money was owed to them for unpaid rent 5-6 months after I had moved to a new apartment a mile away with a known forwarding address ( given to them and filed with the post office etc in place before the move ) which wasn't used for the lawsuit they knowingly filed and only served to the apartment once it was vacant. There has never been any attempt to serve any papers to my legal residence, e-mail, or even via newspaper notice as allowed by XXXX XXXX XXXX. They simply reported it to a collection agency that has been updating my reports monthly with increased balances under two different names. The amount began at {$8900.00} in XX/XX/year> and is currently at {$10000.00}. Columbia Debt Recovery is the name they use for XXXX and XXXX, they report this to XXXX under Genesis Credit. Both of these entities are at the same contact info ( address and phone numbers ) in Washington state. 

when I was first aware of the collection, I asked them for this information directly so I could dispute it, which was ignored. I then asked them to stop contacting me, which was respected until earlier this year when they began calling and emailing me again. 

The landlord filed this in retaliation after refusing to make the apartment legally habitable during the covid quarantine. there is endlesss email correspondence back and forth asking for the repairs to be made. they were ignored and money was withheld from the rent in increasing amounts over the course of 6-7 months. complaints with the city were filed but no inspections were being done during the lockdown, nor was it possible for me to arrange any repairs or even move out of the unit. All of this is in email, along with their acknowledgment of owing me thousands of dollars after stealing my property from their on site storage service that only they had access to, they agreed to pay me and then decided not to. 

If a lawsuit was legally filed, they would lose and be countersued for damages. instead they filed these false reports in retaliation which has now made it impossible for me to rent with it on my record. 

The XXXX XXXX  is owned by the XXXX XXXX in XXXX Illinois where I am a resident. this out of state company using two different entities to falsely report amounts that are not owed by me nor allowed as collection fees per law. 

Columbia Debt/Genesis is in at XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am requesting the removal of a rental debt reported on my credit report. I have asked for a 1099-c which XXXX XXXX XXXX has refused to comply to mail out to me. This debt has been charged off and canceled. I'm requesting that the credit bureaus remove this debt immediately from my credit report. 

This debt has created hardship for me moving forward. The fact that XXXX XXXX has not made themselves assessable to resolve this issue I'm within my rights of having this debt removed.

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 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
I am in the process of rebuilding my credit so I decided to open up a account with the company country door due to being sent in a a XXXX XXXXXXXX with a pre approval amount. The way you apply for their credit is to order an item 1st and they approve you after you submit your order they approve me for the full amount of my order which was {$460.00} and quickly shipped out the item then after the fact, they updated my new credit account with a credit limit of {$100.00} Which then intern put me over my credit limit for {$100.00} or say {$300.00} and then they reported it to the credit bureau and it destroyed my credit and drop my credit XXXX points. I reached out to them to email it first they gave me completely wrong information so then I decided to give them a call today and they didnt give me any information. They said its written on the website and nowhere on the website or on any bill that Ive received. Do they disclose that information they dont tell you they dont disclose anything until after youve already received the item Upon calling and speaking to the customer service representative in the credit department , she wouldnt give me any answers she was trying to blame it all on me when it was obviously they are wrongdoing. Ive never heard of a credit account being approved for more sent the item and then having a lower credit limit that just they set me up for a failure right from the beginning, and they refuse to take any accountability or report the correct information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every time I make a purchase is suppose to update automatic and it doesn't, plus I been getting over charge each month my purchase and refund don't match with the bill. 
Citi bank charge me XXXX bc at due date I didn't have any amount due bc I return a for XXXX and the amount due was XXXX so I didn't make a payment since was equal and was no amount due. Citi charge me minimum fee of XXXX. This is not k.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reviewing my credit report I have found 3 CAPITAL ONE inquiries that I havent authorized or made in any way. Enclosed please find this enquirers which are 3 of them currently on dispute. This enquirers were not made for me and I have noticed them on my credit report which I am constant following i have called XXXX, XXXX and XXXX in order to notify them this issue also I have already called capital one, XXXX credit having not answer in weeks i demand i under the law inmediately that all those enquirers to be removed from XXXX XXXX  on each credit bureau using the right I have to protect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC stated that XXXX XXXX XXXX  sold them 4 account under my name. 
Accounts ending in # XXXX # XXXX # XXXX # XXXX and thereover LVNV FUNDING LLC is trying to collect on these 4 accounts and also are selling and passing all of my Personal and Private information to third parties companies. 

I request that XXXX XXXX XXXX  send me the Receipt that shows for how much they sold these 4 accounts to LVNV FUNDING LLC. 

I request LVNV FUNDING LLC to send me the Receipt that shows for how much they bought these 4 accounts from XXXX XXXX XXXX. 

LVNV FUNDING LLC bought these 4 accounts for a Penny on a Dollar and now they trying to scam and rip me off trying to collect the whole SUM...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
What happened is that my credit report contains personal information and account details that are inaccurate, unverified, or not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Specifically : Incorrect Personal Information : My name is listed incorrectly as " XXXX XXXX. '' The date of birth on file, " XXXX, '' is not correct. 
My employer is inaccurately listed as " XXXX. '' A previous address, " XXXX XXXX XXXX, XXXX, CT XXXX, '' is incorrect and should not be associated with my file. 
Disputed Account : The account " XXXX/XXXX  ( XXXX ) '' is being reported on my credit report, but I have not received proper validation or verification that it belongs to me or was authorized by me. 
Violations of FCRA and XXXX XXXX Standards : These inaccuracies are a violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure the accuracy and completeness of credit report data. 
The errors also fail to meet XXXX XXXX compliance standards, which outline uniform reporting practices to maintain data integrity. 
I have requested that the reporting agencies and data furnishers verify all information on my credit report, correct these errors, and ensure that all data is factually accurate and compliant with legal standards. Until now, these inaccuracies have not been addressed, which raises concerns about the validity and legitimacy of the data being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Experian I hope this letter finds you well, however, I am in need of your assistance. Upon reviewing my credit report, I have identified some concerning issues with the following accounts Upon conducting thorough research on credit reporting laws, I have come to understand that as a consumer, I have the right to dispute and correct any errors found on my credit report. This information was obtained from both the FTC and CFPB. These inaccuracies are causing considerable problems when I attempt to apply for credit. 
XXXX XXXX XXXX  XXXX XXXX Account number : XXXX, Past due is wrong and inconsistent. Delete or fix the information on the account detail section. 
I kindly request that you conduct a thorough investigation into this matter and provide me with an update at your earliest convenience. 
Thank you for your prompt 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. 
The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXX with XXXX  XXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX and fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation