vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is the second lawsuit Portfolio has filed to collect on an aged debt. To date, I havent received any paperwork or information on said debt. It is frustrating because I hire a lawyer only for them to dismiss the case. The last lawsuit was XXXX and it was dismissed. Now they are filing in a different county and Im no longer living in that county. I use an address for mail only but work in a different state. 

Ive tried calling and getting more information about the debt which is a one page email from them with a total. They then try to collect on another debt from XXXX. No statements but if I owe provide me with dates, contracts, emails, etc from the original creditor. 

At this point, Im seeking arbitration if they continue harassing me about a debt that is out of the SOL which is 4 years in XXXX. 

I now understand why they were fined $ XXXX in XXXX. And fined in XXXX. They are crooks who feel as if they cant be touched. Collecting and suing for zombie debts is illegal in almost every state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-11 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
TD Retail Card Services Yard Card was opened to purchase a lawn mower. Yard Card has since merged with another bank or conglomerate. Spoke with customer service regarding a late payment shown on statement on XX/XX/2024. Customer service rep stated all payments had been made and their new system was not updating payments. XXXX XXXX received another late payment letter. Called customer service again, sat on hold for XXXX minutes and was disconnected. XX/XX/2024 received a phone call from TD Bank Collection Dept stating I had a {$480.00} late payment. I explained all payments have been made on time every month. She researched and showed every payment being made on time for history of account. She could no longer do anything but needed me to speak with customer service again to get it cleared up. Sat on hold for another 20+ minutes and disconnected again. Multiple chats online with customer service reps stating their system is having trouble posting payments to accounts but showed every payment has been made on time for history of account. No one can give us anything showing all payments have been made on time yet the account keeps getting late fees tacked on it. TD Card calls me 3-4 times a week regarding this late payment. I answer the phone and am disconnected until today. Collections dept. Tells me they can not keep the bank from sending update letters to credit bureaus stating late payments and will Not provide anything in writing. The only response they will give me is I can dispute with credit bureaus and have them investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 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: NY

Complaint narrative:
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. 
XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency May make any consumer report containing any of the following items of information, any other adverse item of information, Other than record of conventions of crimes which antedates The report by more than seven years.

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 2024-09-11 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: AZ

Complaint narrative:
To Whom It XXXX Concern, I am in the process of applying for employment and have been informed by the XXXX  department that negative items on my credit report are adversely affecting my chances of securing a position. A XXXX friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX  BANK Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX CARD Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am writing to formally demand that Portfolio Recovery Associates ( PRA ) immediately remove the inaccurate and disputed tradeline currently appearing on my credit report in connection with XXXXXXXX XXXX ( XXXX ) PRA 's continued reporting of this tradeline is in clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I have disputed the validity of this debt, and PRA has failed to provide sufficient verification or documentation to support its claim. Further, this tradeline has negatively impacted my credit score and caused undue harm.

I would like to remind you that PRA has previously been involved in legal action due to similar violations of consumer rights. Specifically, the lawsuit PRA lost, PRA Holdings, LLC v. CFPB, resulted in significant penalties for unlawful debt collection practices, and it is evident that PRA is still engaging in practices that violate federal law. PRA was required to reform its business practices following this case, and it appears that those changes have not been implemented or followed in my case. 


I expect immediate removal of the erroneous tradeline from all three major credit bureaus ( XXXX, XXXX, and XXXX ). Failure to comply within 30 days will result in my taking additional legal action, which may include reporting PRA to the Federal Trade Commission ( FTC ) and initiating a lawsuit to recover damages caused by your unlawful practices. 

I trust that XXXX will take this matter seriously and rectify the situation promptly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
hi i get an offer from American Express Blue Business Card by Using {$6000.00} in the first three months then they Give me XXXX XXXX points After using this card now they're declining to give me the points they're saying I have an idea cart like this basically I was never told I do not have this card, secondly this is under a separate business account nothing to do with this one I believe this is fraudulent activity they should be cleared specified at a time application and I should find out later. The business name XXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have several inquiries on my Chex system profile from different banks to open up accounts that I did not authorize.

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 2024-09-11 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: FL

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-11 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: OH

Complaint narrative:
In my credit report i found multiple information that not belong to me, Like phone numbers- 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 and addresses - XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Already asked transunion for deletion of false information but the info still in my 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of an account that has been charged off and is being improperly reported on my credit report. This charge-off is being reported as a new charge-off each month, the continued reporting of this balance is inaccurate, and the account is showing a balance of {$440.00}. As a charge-off account, this balance should not be reported in this manner. This charged-off account is in clear violation of the Fair Credit Reporting Act ( FCRA.

According to the Fair Credit Reporting Act ( FCRA ), section 623 ( a ) ( 5 ), information furnished to the credit reporting agencies must be accurate and not misleading. A charge-off should be reported as a single event on the date it was first charge-off and not as if it were a new event each month. This is inaccurate and has caused significant and ongoing damage to my credit report.

I have already disputed this issue more than once with the credit bureaus, but the inaccurate reporting persists. Therefore, I am requesting the CFPB to intervene and compel XXXX XXXX to remove this inaccurate charge-off account from my credit report entirely. The continued reporting of this account in its current state violates the FCRA and is causing ongoing harm to my financial reputation. 

Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
When we bought our car at a Toyota dealer, we bought GAP insurance through Toyota Financial Services, we paid off the car on XX/XX/2024 and had a balance in our favor of {$510.00} from the GAP insurance, we never received this money, upon contacting Toyota Financial Services they said we cashed out the check, we explained we didnt receive any check and ask for a copy of the check in order to do a police report, until now we have not received the money the owe us nor the copy of the check. Their customer service is horrendous and unwilling to help, they only repeat over and over that we cashed the check that we never received.

Company response to consumer: Closed with explanation