vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Dear, PORTFOLIO RECOVERY ASSOCIATES I am writing in reference to a debt you have claimed to collect, listed under account XXXX and Account Number XXXX on my credit report. I dispute the validity of this debt and request immediate action on the following matters : XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt, including Detailed information about the chain of title for this debt, including proof that you have legal authority to collect. A full breakdown of the debt, including any fees, interest, or charges added to the original balance. Documentation of any contracts or agreements that substantiate my responsibility for this debt. 

XXXX. Request for Purchase Agreement : If this debt has been sold or transferred to your agency, I request a copy of the purchase agreement or bill of sale that confirms the transfer of this debt from the original creditor to your company. This documentation is necessary to establish your legal right to collect on this account. 

XXXX. Demand for Removal from Credit Bureaus : Since this debt has been sold, I request that all negative information related to this account be removed from my credit reports with XXXX, XXXX, and XXXX. Reporting this debt without full validation and proper legal ownership XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Conditional Agreement for Compensation : If you fail to provide the requested validation, including the purchase agreement, and do not remove this account from my credit reports within XXXX  days of receiving this letter, it will be understood that the debt is invalid. Furthermore, by failing to comply within the XXXX period, you agree to compensate me {$500.00} per day for each day that the debt remains on my credit report past the deadline until it is removed. 

Please note that under the FDCPA, you are required to cease all collection activities, including reporting this debt to the credit bureaus, until it is validated. 

I expect your prompt response and resolution of this matter. Failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the pursuit of legal remedies. 

Thank you for your attention to this matter Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My XXXX XXXX is a now closed account. I have a balance that is due. I am UNABLE to add a payment account. I have called XXXX for XXXX  days straight to no avail. 

I spent atleast XXXX minutes each call getting passed around from agent to agent and NOTHING is resolved. 

This bank is trying to prevent me from making a payment. I spoke XXXX tonight XX/XX/year> and she too can NOT add a new account! Her solution was to mail a check or to use the XXXX account still in my profile. I do not have funds in that account. 

There should be absolutely XXXX  reason why a customer XXXX an agent can not add a payment account. 

Additionally, I removed my email address from my BarclayBank account as I am in a payment program and the bank would constantly, as in DAILY send emails inciting/ threatening my payment program was in jeopardy of ending if I did not make my payment - THEN! These notices come XXXX  days plus before my payment is due. And daily until it is due. It is absolutely a form of inappropriate business practice. A FRIENDLY reminder is acceptable, but to start the message out the plan is in jeopardy of being canceled is EXTREME and unnecessary, especially A WEEK OUT!

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>2024, I wrote to Equifax, XXXX and XXXX to dispute inaccurate information on my credit report. Equifax, XXXX and XXXX failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX XXXX, missing data : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, missing data : XXXX. XXXX  XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2024-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC 1681 ( a ) ( b ) ( c ) According to this United States Code, all of these companies attempting to collect a debt that doesnt belong to me, and damaging my personal credit score, are in violation of this code. My information is confidential to only the entity I allow it to be shared with. My information was not to be shared with any other institution whatsoever therefore, remove every negative account on my credit report. I will be requesting 1099 forms from each of the original creditors to show proof of them charging my accounts off as a profit loss. If not removed, they will be fined. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$120.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$18000.00} XXXX XXXX Account number : XXXX Balance : {$840.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) Account number : XXXX Balance : {$2300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Balance : {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$2900.00}

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 explanation
Consumer complaint received 2024-10-15 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/scrub> 2024, I wrote to XXXX, TransUnion and XXXX to dispute inaccurate information on my credit report. XXXX, TRansunion and XXXX failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX  XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2024, I wrote to XXXX, XXXX and Experian to dispute inaccurate information on my credit report. XXXX, XXXX and Experian failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I purchased a trial from a company ( XXXX XXXX XXXX XXXX ) that was set to auto renew in 3 months. In XX/XX/XXXX, I received an email stating, Hi! 
Your plan XXXX expires XXXX XXXX You can renew it in the panel. 
Sincerely, The XXXX XXXX Based upon the content of this email, I believed that I must have already cancelled my plan, it was expiring, and that it would not auto-renew. Because of this, I did nothing. On XX/XX/XXXX, I received an emailed receipt for {$170.00} for an auto renewal of this plan. I immediately contacted the company and told them that I do not want to have this service, and asked what I need to do to assure Id not be charged again. The company would not reverse the auto renewal charge. 

I contacted my credit card issuer, Goldman Sachs on XX/XX/XXXX and provided them with the same information Im providing here, complete with screenshots of the emails between myself and leakcheck, as well as the email stating that my subscription would expire on XX/XX/XXXX. Goldman Sachs denied my dispute, without a specific reason given. I reasserted my dispute on XX/XX/XXXX. Today I was informed that my dispute was again denied, without a specific reason given. I reasserted the dispute, filed a complaint with the FTC against XXXX, and am filing this complaint. 
Ironically, after I was charged for the auto renewal, I went into the dashboard and canceled auto renewals there. Once it was time for the next billing, I received the exact same email stating that my plan was expiring and to log into the dashboard to continue it. However, this time it was actually canceled, so it never charged me. So, customers who cancel and customers who are about to be billed for an auto renewal, both receive an email stating that the subscription is expiring, with no mention of auto renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief