vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I hope this letter finds you well. I am writing to inform you that I have recently fallen victim to identity fraud. Unauthorized accounts and transactions have been made in my name, and I am working diligently to resolve this matter. 
I have taken immediate steps to prevent any further unauthorized activity. This includes placing fraud alerts on my credit reports, freezing my credit, and monitoring my financial accounts closely. I have also reported this incident to the relevant authorities.

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 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-08-13 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: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-13 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/scrub> 2024, I sent a Cease Communication Request to Discover Bank under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ). This request explicitly stated that Discover Bank should cease all communications with me regarding a debt of {$4800.00}. I took this action to stop any further contact from Discover Bank, as is my right under the FDCPA.

However, despite my clear and legally supported request, Discover Bank failed to comply. On XX/XX/year>2024, I received a letter from Discover Bank that not only ignored my request but also attempted to continue the collection process. In this letter, Discover Bank stated that the account and balance are considered valid and invited me to contact them to discuss the outstanding balance. They also included a warning that making a payment or even promising to pay could reset the statute of limitations, which would allow them to file a lawsuit against me.

This letter is concerning for several reasons. First, it directly contradicts my Cease Communication Request, which should have prevented any further contact from Discover Bank regarding this debt. Second, the letter appears to be a tactic to intimidate me into making a payment or acknowledging the debt, despite the fact that they are legally barred from taking further action due to the age of the account. The letter also indicated that Discover Bank is required to report the account to consumer reporting agencies as a disputed account until I advise them otherwise, which seems to be an attempt to pressure me into resolving the matter on their terms.

The actions of Discover Bank constitute a clear violation of the FDCPA, as they have not only continued to communicate with me about the debt after my explicit request to cease communication, but they have also attempted to use misleading and intimidating tactics to coerce me into making a payment. This has caused unnecessary stress and confusion, as I believed that my rights under the FDCPA would be respected.

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate Discover Bank 's actions and take appropriate measures to ensure that they comply with the FDCPA. I also request that Discover Bank be instructed to cease all further communication with me regarding this debt and that any negative information they have reported to credit bureaus be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was unable to change the phone number for my account through the Barclays portal. I called Barclays Customer Service which routes to a call center in the XXXX. I asked them for support to change the contact phone ( which was already associated with the account ) and they refused. They said the number was not associated with my name. Barclays Customer Service would not accept the telephone bill from my carrier as proof of my ownership of the phone number. The phone company 's billing statement lists my name, address ( same as for the Barclays card ), and the number. However, the representative would not accept this as the obvious proof. Instead, the representative from Barclays Customer Service demanded a copy of my SSN card ( front/back ) and a copy of my drivers license ( front/back ) in order to validate my telephone number. I pointed out this would be a gross privacy and security violation to provide those details and it would facilitate Identity Theft in the XXXX and elsewhere. The Barclays representative said the Drivers License and SSN cards ( front/back ) " are requirements of the CFPB ''. Not only was the Barclays representative asking for documents that bear no relations with my telephone number, but Barclays was also pretending to invoke the authority of the CFPB.

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 2024-08-13 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-13 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-13 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: U.S. BANCORP
State: WI

Complaint narrative:
I filed a dispute over credit card charges made by XXXX XXXX XXXX XXXX XXXX  in XXXX, Wisconsin, and Elan Financial Services was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX XXXX drop in my credit score despite not missing any payments or ever being late, from XXXX via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how Elan is legally entitled to share my credit information to other credit cards. This clearly indicates that Elan acted in a retaliatory manner and were the source of my XXXX XXXX drop in credit rating/XXXX XXXX. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX XXXX  is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to defend my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NE

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA XXXX. Their actions have resulted in numerous violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Massachusetts state consumer protection laws, which have significantly impacted my creditworthiness and caused undue distress. 

Complaint Details : XXXX. Failure to Provide Debt Validation : Portfolio Recovery Associates , LLC, has failed to provide proper validation for the alleged debts associated with account numbers XXXX and XXXX, despite my formal requests for validation in accordance with the FDCPA ( 15 U.S.C. 1692g ). They have not provided : A complete payment history.

The original purchase agreements, including all terms and conditions. 
Documentation of the date of last activity. 
Proof of their authority to collect this debt within Massachusetts, including a valid and non-expired license. 
XXXX. Continued Collection Efforts Without Validation : Under 15 U.S.C. 1692g ( b ), Portfolio Recovery Associates , LLC is required to cease collection activities until the debt has been validated. Despite this, they have continued collection activities, including reporting to credit bureaus, without providing the requested validation. 

XXXX. Reporting Inaccuracies and Re-aging of Accounts : Portfolio Recovery Associates , LLC has reported inaccurate information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), violating FCRA ( 15 U.S.C. 1681s-2 ). Specific violations include : Incorrectly listing charged-off accounts as open. 
Reporting the accounts as derogatory without validation. 
Re-aging the accounts to show recent activity, misleadingly indicating late payments. 
XXXX. Violations of Massachusetts Consumer Protection Laws : Their actions constitute unfair and deceptive practices under Massachusetts General Laws Chapter 93A.

Impact on My Creditworthiness : These actions have deliberately and negatively impacted my credit profile, affecting my financial standing and opportunities, and have caused undue stress and anxiety. 

Request for CFPB Assistance : I request that the CFPB investigate these violations by Portfolio Recovery Associates , LLC, and require them to : Cease all collection activities and reporting on the disputed accounts until proper validation is provided. 
Correct all inaccuracies reported to the credit bureaus. 
Comply with all applicable laws and regulations regarding debt collection and reporting.Thank you for your attention to this matter. I trust that the CFPB will ensure that Portfolio Recovery Associates , LLC is held accountable for their actions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Company is called XXXX XXXX XXXX. They have called claiming I opened credit cards in XXXX that were paid on until XXXX. They called on multiple occasions claiming XXXX different credi cards but with the same amount owed and the same claim of them being opened in XXXX and paid on until XXXX. XXXX claim was a XXXX XXXX, the other a XXXX. I never had a XXXX XXXX card until XXXX, which I currently have and my payments are made on time every month. I have never had a XXXX card. My credit has been monitored for the last XXXX yrs as I have been trying to rebuild. These claimes have never been on my credit report. I had bad credit at the time this company is claiming these accounts were opened. They also claim my XXXX who was in prison at the time are on the accounts. These are completely false claims. There are multiple statements on reddit from people claiming this company is harassing them on false debts as well. They have minimal information like the last XXXX of my social, threatened me with wage garnishment from a job I haven't worked at since XXXX. I have worked very hard to rebuild my credit and my life and I will not be threatened with false debt by scammers.

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MI

Complaint narrative:
I was incarcerated and now have a couple late payments on my credit report. I just need them to be removed so that I can have a future please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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