vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery is attempting collecting a purchased debt in a state which they are not licensed to conduct business. According to XXXX XXXX XXXX upon searching " Columbia Debt Recovery LLC '' I have found that the company is not licensed to conduct business within the state of XXXX ( I have included a screenshot of the search results which show that they are only licensed within the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. ) XXXX  state statute reads as follows, " XXXX of consumer collection agencies required ; exemptions. 
( XXXX ) After XX/XX/1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. 
( XXXX ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. XXXX. 
( XXXX ) A prospective registrant shall be entitled to be registered when registration information is complete on its face and the applicable registration fee has been paid ; however, the office may reject a registration submitted by a prospective registrant if the registrant or any principal of the registrant previously has held any professional license or state registration which was the subject of any suspension or revocation which has not been explained by the prospective registrant to the satisfaction of the office either in the registration information submitted initially or upon the subsequent written request of the office. In the event that an attempted registration is rejected by the office the prospective registrant shall be informed of the basis for rejection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have asked Trans Union for documents that they have on file that they use to verify the debt. They refuse to send the documents

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management LLC Ive sent in debt validation letters and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Basically, my old apartment complex is charging me an amount thats a lie! I have a copy of the lease I also spoke to the credit lady and she stated that was the truth the amount isnt right. They credit company tried to give me a new amount to f pay per phone conversation. The companies is no longer there the apartment have re named and complex no longer have documents. I dont know whats next XXXX $ Original Lender XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
There are a few hard inquiries on my reports that were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are a few hard inquiries on my reports that were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
There are a few hard inquiries on my reports that were unauthorized.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
https : //service.transunion.com/dss/disclosureCategories.page transunion@em-tuci.transunion.com I don't think this is actually transunion. I have been having a XXXX of a time with my identity here lately and I think I may have just given whatever this XXXX web site is my WHOLE Social security number!! SMH I am BEYOND over this freaking phone. I need someone who can help me put up safeguards for my identity to please please tell me what to do I am at my wits end!

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
ON XX/XX/XXXX I WAS CHECKING MY XXXX CREDIT REPORT AND FOUND MULTIPLE NOON CORRECT UNAUTHORIZED INFORMATION ON MY CREDIT REPORT ADDRESSES PHONE NUMBERS ACCOUNTS AND EVEN AUTO LEASES I TRIED TO HANDLE THIS WITH CREDIT BURUES AND CREDITORS BUT THEY SHOW INFORMATION AS VERIFIED EVEN THO I SENT THEM A PROOF WITH MY COORRECT ADDRESS EMAIL ADDRESS AND PHOONE NUMBER THERE WERE ALSO COLLECTIONS FROM CELL PHONE COMPANIES THAT SOMEONE USED MY INFORMATION AND OBTAINED CELL PHONES AND LINES UNDER MY NAME I ALSO MENTIONED ON FTC REPORT ALL ADDRESSES CELL PHONES THAT ARE NOT MINE

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I contacted discover and citi bank in XXXX of XXXX  to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX  receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On the XXXX XX/XX/2022 I instructed my broker company to transfer my assets XXXX from my broker account at XXXX XXXX XXXX XXXX XXXX to my bank account at XXXX XXXX XXXX XXXX XXXX  XXXX. 
This international XXXX transfer was initiated with the reference XXXX ( XXXX  Reference Number XXXX, XXXX XXXX ) to BANK OF AMERICA , N.A XXXX XXXX XXXX  NY XXXX ( XXXX ). 
I never received that transfer since that day. 
The XXXX XXXX tracking shows the transfer is under review at intermediary Bank of America. 
I posted twice to BOFA email address XXXX both times enclosing documents proving my source of funds and the objectives of the transfer. 
I have had no feedback or any further requests or clarifications by BOFA. 
These funds are used for my own personal needs. The funds are being transferred between my personal accounts.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is offering a Welcome Bonus of XXXX points on their Hilton Surpass Card. However, after filling up an application and hitting the submit button, I received a popup message mentioning that I am ineligible to this Welcome Offer. Also, it asked me if I need to complete with my application and of course I denied that. 

I've been an AMEX member since a very long time. I currently have XXXX active cards with them and was previously having another XXXX. I am not sure why they made my ineligible for this Welcome Bonus Offer. 

Looking forward to an explanation from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Charge-off XXXX CARD # XXXX XXXX CARD # XXXX Late Payment XXXX CARD # 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment 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