vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received documentation regarding a XXXX XXXX credit card debt owned by XXXX. I have never applied for, authorized someone to apply for, or used any credit cards from XXXX XXXX or XXXX. I was contacted by Midland credit management regarding this debt and I explained this incident was a result of identity theft, however this company continues to contact me. It is important to note that my address has been at XXXX XXXX XXXX  XXXX XXXX for a number of years however the address noted on the debt was listed as XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX XXXX nor do I know who lives there. 

XXXX XXXX XXXX XXXX XXXX I am retired, I dont own a car, and I do not own my own home. I have no need for XXXX XXXX purchases. 

I am asking that XXXX XXXX review video records to confirm that I did not enter their store to apply for a card nor did I make any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-04-19 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:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/24, XXXX suddenly doesnt show our Citi savings account. Citi 's XXXX app on my phone ( trusted device ) also logs me out and says to login online. I try to authenticate w/ XXXX  ( i.e., XXXX XXXX XXXX text, phone call, AND email ) on Citi 's website on my computer ( trusted device ). I lock our credit cards in case of malicious activity. 
The site says to call one of 2 phone # s & tell them I have an " XXXX '' issue. I suspect portal compromise & a potential phishingXXXX attack. One # is a foreign advertising service that feels like a scam. The other is a strange man with a fake-sounding Texas accent XXXX so I don't give him any PII. The # on my Citi card reaches a VM saying theyre CLOSED til XXXX XXXX. 
I've received 0 alerts/notifications ( text/call/email ) about account issues. We haven't even withdrawn ; just funded ( w/ saved, trusted accounts ).

I've called daily to verify our money is safe. I was finally told theyre doing an " account review '' that will take " 24 - 48 hrs ''. It's been a week, w/ 0 updates on who is reviewing what for how long or when Ill regain access to our money. Today they said *if* Citi decides to, they'll unblock the account *at some point*. We have a XXXX son, our life here is expensive, and it feels like Citi is trying to steal our life savings. 
They marketed this account to us for months, saying if we quickly add money well get better perks. So, we linked our other banks and rapidly funded the account. Now that weve deposited {$140000.00}, Citi is BLOCKING OUR ACCESS! This is unethical, unconstitutional & ILLEGAL.

In a recent data breach that could have been avoided with simple security measures, Citi PREVENTED customers from thwarting attacks. The NY AG has filed a class action suit against Citi for failing to protect customers & honor fiduciary commitments.

CFPB : Please don't let Citi defraud us ; we can't afford to have our life savings stolen. Thank you for protecting us & holding businesses accountable! 
Citi : Give us our money back NOW!

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 2024-04-19 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX XXXX I called Paypal to see if they could assist me in getting my money back on an order I hadn't received yet. While I was waiting for customer service to connect, a computer generated voice came on the line and said there was limited access to my account. When the customer service rep connected, I asked her about the limited access. She informed me that I have a bill in collections for approximately. {$490.00}. She said she didn't know what is was for because it supposedly occurred in XXXX. She said it was on a different paypal account associated with my social security number. But yet I have had my only paypal account for many years and I have used it to make many purchases over the years. I asked her why was I not notified of this collection and why would they let me continue to make purchase, add and withdrawl money to and from my account. Also I have a paypal credit account which is not affected. Paypal is essentially a group of credit cards from other merchants owned by the user and when you make a purchase using paypal it deducts the money from the card you choose in your list of registered cards or you can add money to your paypal debit card. So I don't see how this could happen, because I don't use their debit card until I add funds to it. How could they let this go for 12 years and not inform me of it.They have all my contact information. My phone number, address and email address. 
The represenative asked me if I wanted her to initiate a fraud investigation and I said absolutely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX 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 2024-04-19 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-04-19 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: TX

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2024, I received a debt collection letter from the debt collection company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX Their phone number is ( XXXX ) XXXX. They are open at XXXX am to XXXX pm ( XXXX ), Monday to Friday. Their website is XXXX 

On the debt collection letter, it stated " This letter was produced on XX/XX/2024. '' The letter states " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX, XXXX as assignee of XXXX  XXXX XXXX. We will use any information you give us to help collect the debt. You had a credit card from Wells Fargo Bank , N.A . with account number _________. The total amount of the debt now is {$3600.00}. '' I do not have any Wells Fargo account. I do not do business with Wells Fargo. I do not owe Wells Fargo Bank, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and 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 2024-04-19 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: NC

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Its been a year and transunion has not complied XXXX XXXX XXXX XXXX XXXX This information has been reinserted multiple times ( XXXX ) XXXX, Never received proper method of validation ( never received a 5 day notice ) XXXX, The last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/2022 ( screenshot provided below ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ).

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 2024-04-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-04-19 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-04-19 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: NC

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received documentation regarding a Home Depot credit card debt owned by Citibank. I have never applied for, authorized someone to apply for, or used any credit cards from Home Depot or Citibank. I was contacted by XXXX XXXX  XXXX  regarding this debt and I explained this incident was a result of identity theft, however this company continues to contact me. It is important to note that my address has been at XXXXXXXX XXXX XXXX XXXX XXXX for a number of years however the address noted on the debt was listed as XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX XXXX nor do I know who lives there. 

I am an elderly man. I am retired, I dont own a car, and I do not own my own home. I have no need for Home Depot purchases. 

I am asking that Home Depot review video records to confirm that I did not enter their store to apply for a card nor did I make any purchases.

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 2024-04-19 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: IL

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2024-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a dispute notice that you have investigated my account and found that my inquiry is factual. Please advise on how you investigated and who you spoke with to ensure this is included factual. I did not authorize an inquiry into my credit and I will need you to reinvestigate and remove from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
I'm grateful for your attention to this matter in addressing the removal of certain entries from my file that have arisen due to suspected identity theft. However, there are still some remaining items that require your attention for removal. According to the FCRA section 605, it's mandatory to eliminate any entries listed in an Identity Theft Report. I've previously provided this report in a previous correspondence, and I'm resubmitting it for your reference. I've also notified my attorney about my intentions, and they are eager to ensure your compliance with the law. 
XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on 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