vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
Dear ACIMA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and NOT accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts " 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 XXXXXXXX ; " XXXX XXXX ; are not complete and accurate. 

And XXXX more thing according to 15 USC 1681-s 2 A person shall NOT furnish information relating to a consumer or to any consumer reporting agency if the person knows reasonable cause to believe the information is inaccurate. 

Check the comments attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America tried to pay off my credit card which had a greater balance then the debit account I use with them causing me to have a negative account balance and overdraft fee. I have called them multiple times and each time they say they will reverse the transaction and fee but they don't.

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 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my XXXX XXXX and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section XXXX ( c ) ( XXXX ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  account number : XXXX Opened : XX/XX/XXXX Last active date : XX/XX/XXXX Reported : XX/XX/XXXX Amount {$1700.00} Debt Rec XXXX Account number : XXXX Opened : XX/XX/XXXX Active : XX/XX/XXXX Closed : XX/XX/XXXX Amount : {$620.00} Portfolio Recovery Account number : XXXX Opened : XX/XX/XXXX Active : no date reported Closed : no date reported. 
Time was spent calling XXXX, and XXXX, And typing out dispute letters, looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent finding errors on my credit reports. Time was spent calling XXXX and XXXX multiple times. Time was spin filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent in the line at the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account 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 non-monetary relief
Consumer complaint received 2024-05-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account off My credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe i was victim of " EFT theft '' of my CitiBank checking acct and/or CitiBank ATM ( ... EFT theft due to " card shimmer/card skimming '' device/s attached to CB ATM ... IMO! )!!

I was " unaware '' that my my SSA benefits check for {$910.00} that arrives on the XXXX of most months was DDed to my checking account ... and after that my CB checking account had " {$1000.00} '' dollars withdrawn on the same day : XX/XX/year> but no timeline!! 

I have CB chat screen captures, other docs to support my claims and was given a Case Number ID from Citibank fraud division...

I am seeking financial relief via Regulation E laws ( short of Citibank giving me a provisional credit ; problem with that is my checking is now blocked so no refunds nor provisional credits will be added to my CB Checking acct!!! ) due to this EFT e Theft!!

Please advise how i may be compensated for this EFT theft of {$1000.00} dollars via Consumer Financial Protection Bureau ( CFPB ) online services??

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 monetary relief
Consumer complaint received 2024-05-19 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against PORTFOLIO RC for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against PORTFOLIO RC for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/2024, PORTFOLIO RC has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, PORTFOLIO RC has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : PORTFOLIO RC has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. PORTFOLIO RC has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes. 


Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from PORTFOLIO RC I am Requesting Purchase Agreement between PORTFOLIO RC and the original creditor I am Requesting that PORTFOLIO RC furnish proof that they are Licensed and Bonded Investigate the practices of PORTFOLIO RC and enforce appropriate penalties for any violations of federal laws. 
Require PORTFOLIO RC to cease all collection activities on the disputed debt until they provide proper validation as required by law. 
Ensure that PORTFOLIO RC removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided. 
Prevent PORTFOLIO RC from engaging in further communication with me through email/text/call. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
This is currently reflected on all three of my credit reports as of XX/XX/XXXX. Harvard Collection serv. Acct type Collection. Date opened XX/XX/XXXX. Status of this account reflects Past due amount {$970.00}. Balance updated on XX/XX/XXXX. Paid off 0 %. Ive utilized XXXX and it states that there is No match for this collection company.

Company response to consumer: Closed with explanation