vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : 1. The name and contact information of the person or entity you interviewed during the verification process.

2. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within 30 days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX ] [ XXXX GA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] **RentDebt Automated Collections** XXXX XXXX XXXX XXXX XXXX TN XXXX Subject : **Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to formally request validation of the debt referenced above as required by the **Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) **. I recently noticed this collection account on my credit report, and I do not recognize or agree with the debt. Therefore, I am exercising my right to request detailed information about this account to verify its legitimacy. 

Requested Information : 1. **Validation of the Debt** : - A copy of the original agreement or contract that shows I am legally obligated to pay this debt.

- A complete breakdown of the amount owed, including the original balance, interest, fees, and any other charges.

2. **Proof of Ownership** : - Evidence that RentDebt Automated Collections is authorized to collect this debt, including documentation showing a transfer or assignment of the debt from the original creditor.

3. **Details About the Original Creditor** : - The name and address of the original creditor ( XXXX XXXX ), as well as any account numbers or other identifying details related to the original agreement. 

4. **Debt Reporting Details** : - Clarification of why this account appears with a 1-Month Term and discrepancies in dates ( e.g., date opened vs. past due date ). 

Under the FDCPA, you are required to cease collection activity, including reporting the account to credit bureaus, until you provide this information. If you can not validate the debt, I ask that you immediately stop collection efforts and remove this account from my credit report. 

Please also ensure that all further communication regarding this matter is in writing. 

Important Notes : This letter is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. It is a formal request for validation to confirm the debts legitimacy. 

I request that you provide the requested information within **30 days of receiving this letter**, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX ] All rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Over the course of having my account with Apple Cards ( Goldman Sachs ) I received charges for XXXX XXXX  of {$9.00} every month, sometimes more frequently for a subscription service that I did not enroll in or purchase. I disputed the charges month after month, and each time an agent of the Credit Card Company " Issued me a new card number '', stating this would resolve my issue. Each month, XXXX XXXX  continued to charge me. When I reached out to apple, they told me over the phone several times that they provided my new card number to XXXX XXXX so I didn't have to update my card information manually with them. Repeatedly I questioned why they would provide my information to a merchant whose transactions I was disputing. I never got an answer. 

In XXXX I decided NOT to use my card any further. In XXXX, I logged in to my Wallet App, which is the Online Banking system they offer, and found that my Apple Card was removed from my app. I called Apple Card customer service, and they had no idea what was going on. I asked them to MAIL me a statement so that I could review any charges while their " escalation team '' investigated my issue and reached out to me ( time frame of XXXX business days was given ). I never got a call or a statement. I called them back, and still no one could provide information, and I was even advised by the employee NOT to make my payment ( to be processed over the phone ) until I was able to review my statement. 2 weeks passed, and still no statement in the mail. I verified they had my correct address, contact information, and that there was nothing else I needed to check before they sent out my statement. 

Surprise, I never got my statement. At this point I am frustrated and I call back, and ask to be escalated to a supervisor. The supervisor assured me that he would personally review and track my case to their escalations team and ensure they got back to me. Now the company is reporting my payment as late for an account I have XXXX access too. The following 5 months were filled with calls identical to the ones described above without resolution. They have since closed and charged off my account. This is unacceptable. As an XXXX XXXX XXXX XXXX XXXXXXXX, I couldn't believe the way they handled my situation, and I am looking to have the account removed from my credit reporting effective XX/XX/2024. 

XXXX has phone recordings of our conversations. They must provide information on their investigations to me or delete their derogatory reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
This is not my account! And I demand the deletion!!!!! I am a victim of identity fraud To whom it may concern I XXXX XXXX am a consumer and natural person fully aware of my rights Protected by the Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The provisions of under 15USC 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 USC 1681 SECTION 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions.I request the immediate deletion of this account, Unless you wish to be held liable for {$1000.00} per violation I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The company send my information to another companies and then they try to collect my debt I have only ss for live and when the pandemic time it is the problem to pay I need your help to stop that because I'm a XXXX  person and have treatment for that sorry my English but I'm try to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Ive had these fraudulent accounts removed, and they are appearing on my reports again they do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I attempted to transfer money from my Bank of America ( BOA ) account to my XXXX XXXX XXXX account. I had an existing linkage within my Bank of America account to this XXXX account, and when attempting to make the ACH payment, I realized I needed to update the address on file for the XXXX account as it was represented within Bank of America. I made the change and attempted to ACH the money over. Apparently I selected the wrong " how quickly do you want this to transfer '' option, which caused them to transfer it as a wire instead of an ACH. The transfer was rejected because the brokerage uses different routing and account numbers for the two transfer types. I was charged a transfer fee by Bank of America ( {$30.00} ), a transfer fee by the receiving institution for the rejection ( {$50.00} ), and a transfer fee by Bank of America to receive my own money back ( {$15.00} ). 

Upon attempting to track down the issue myself, I am no longer able to view my Bank of America XXXX XXXX linkage to re-confirm the account/routing numbers and reattempt ACH ( and walk myself back through the process to see where I selected the incorrect option ). I am also no longer able to add this account for a one-time transfer to confirm that I even selected an incorrect option in the first place- it apparently was " unable to auto-confirm the recipient as valid ''. From my perspective, I initiated a transfer through a mechanism that I had done before, and I lost {$95.00} and was told " trust us, you messed up ''. After contacting BOA customer service multiple times, I was able to get them to waive the {$15.00} receiving fee. 

I don't understand why it wouldn't re-check whether or not the existing linkage was valid after I updated my address in BOA for it, but let me walk myself into a transaction that was doomed to fail anyway, just so that they could charge me fees. 

I've attached the emails that I received - Transfer recipient edited, money sent, money failed, money received ( lacking any real information for why my money evaporated ), as well as the receipt for the {$50.00} fee that BOA had to direct me to on a customer service call, because publishing this information to the customer easily seems to be an unreasonable ask...

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 2025-01-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I set up my payment method on autopay after which there was in authorized withdrawal from my account where I had to cancel my card after which I was out of state working so I was not getting any mail or anything about my account not being paid. With this being said I was unaware of my debt not being paid up to date and as soon as I found this out I got it resolved and my payment was settled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Dispute of Incorrect Information on Credit Report Genesis Credit Management is reporting incorrect information on my credit report. According to your records, I allegedly owe a balance of {$5900.00}, which they are charging interest on. However, I have no business with your company, and this information is inaccurate. 

The property in question is XXXX XXXX Apartments. When I moved out, the apartment complex settled all outstanding balances with the {$3000.00} security deposit I paid upon move-in. The property has since been sold, and there should be no remaining balance associated with my account. 

Your companys actions are in violation of consumer credit laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Additionally, according to the Uniform Commercial Code ( UCC ) Article 9, which governs secured transactions, creditors are required to act in good faith and provide accurate information regarding any alleged debts. Under UCC 9-102 ( a ) ( 28 ), I am considered the creditor in this transaction, not the debtor, as the security deposit was used to settle all outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX the US Treasury Department issued a direct deposit to my Bank of America checking account, the bank processed the direct deposit ( s ) but the bank never posted this to my checking account. I've called multiple times Bank of America and Social Security XXXX XXXX XXXX in XXXX. SSA affirmed the deposit, affirmed on their system it was processed by the bank, thus, making it impossible to reverse the direct deposit.

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