vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: GA

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. 

Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 records of convictions of crimes which antedates the report by more than XXXX 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 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 2024-08-17 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: GA

Complaint narrative:
Under the Gramm Leach Bliley Act I have the right to opt-out of getting my non-public information shared with non- affiliated party. Experian, XXXX and XXXX are non-affiliated Third parties. XXXX and XXXX have violated my rights by sharing my personal information along with inaccuracies by XXXX, XXXX and Experian are not affiliated with any financial institutions. They have violated my rights with not providing me with an opt-out disclosure. As a consumer I have a right to privacy and also I have a right to opt-out of getting my non-public information shared with Third parties. I have disputed these claims from all three bureaus with a certified letter and Experian has sent it back as being verified. However, has not provided any information on who it was verified with despite alleged debt being 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a Service XXXX XXXX XXXX XXXX XXXX I am filing a formal dispute against the accuracy of the information reported by TransUnion regarding the XXXX  XXXX account ( # XXXX ). Notified on XX/XX/year> as " Your investigation concluded that the information was verified as accurate, '' but I strongly contest this finding. The account is inaccurately reported as Charged Off with a balance of {$460.00}, alongside misleading remarks such as CLOSED BY XXXX XXXX. These inaccuracies not only misrepresent my financial history but also violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed information. Additionally, the reporting of delinquency and charge-off status may involve illegal re-aging of debt, violating 15 U.S.C. 1681c, and unfairly extending the negative impact on my credit. I demand a thorough and immediate reinvestigation into this account, including direct verification with XXXX XXXX. If the information can not be fully validated with documented evidence, it must be deleted from my credit report. The continued presence of this inaccurate information is causing significant harm to my creditworthiness and financial stability. I expect TransUnion to uphold its legal obligations under the FCRA and correct or delete this erroneous data promptly. Failure to properly address this dispute may result in further action.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: NV

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 explanation
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on behalf of XXXX XXXX XXXX account number XXXX. This account has been reported to the FTC and law enforcement and as being opened due to identity fraud. This account has been removed by TransUnion. Pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ) I request that this collection be removed within XXXX business days of this complaint.

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 2024-08-17 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: FL

Complaint narrative:
Experian is reporting a XXXX account as open and this account has been closed since 2019, even reporting XXXX every month in an inactive account. I demand that this be deleted from my credit, inclusive they report an address with i never live on, This violate my rights under FCRA see attachment.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Since I created my Experian account, they have added a multi-factor authentication step. The phone number they have is my home phone ( VOIP ). it can not receive a text. There is an option to send the verification code via phone call, but the call never arrives. I called their support number, which could initiate a password reset, which worked, but I still can't get signed in because of the XXXX problem. The voice assistant refuses to connect me to a human who might be able to help. I am effectively barred from accessing my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have used the website help and have called the number listed on the card. Both offer ways to use the card and tips. I have tried to use the card at multiple online and in-person merchants including XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX . All declined without explanation. Most recently I tried to order {$12.00} worth of product from XXXX on XX/XX/year>. I checked the card balance before and after the purchase and it has {$25.00}. XXXX declined the transaction. 

I have tried to contact customer service through the website and phone number listed on the card. Both are loops of automated options with no way to speak with a person and therefore no way to get actual help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-17 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: FL

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : AFXXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 records of convictions of crimes which antedates the report by more than XXXX 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 2024-08-17 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: PA

Complaint narrative:
There are unauthorized inquiries on 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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio collection is trying to pull a fast one by putting false information into the credit beauru and continuously verifying it. 
Under the truth and lending act rule 632 you must obtain a judgement or provide proof by documentation that you are owed a debt. Also the FDCA states if a debt is disputed by writing it must clearly state the debt is disputed in it report. I do not owe this debt and am asking for documents showing agreement, commitment, balance, and signature. They refuse to provide. This is the first step before litigation in a full tort claim against this diabolical act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have reviewed my credit report and found several charge-off accounts that I believe to be inaccurate or unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-08-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX REF XXXX & XXXX XX/XX/2024 Dear XXXX, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt. 

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ). 

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within XXXX  days of receipt of this letter. 

Sincerely, 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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I continue to get phone calls and text messages from a local phone number posing as Portfolio Recovery Associates. On XX/XX/2024 I sent a letter requesting the following 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature. To date I have not received the requested information from collection agency and this account is still reporting on my credit. I recently reviewed my credit report and this is still there. This is concerning considering CFPB recently took action last year against them for reporting inaccuracies to consumers credit files. Unfortunately, I am also a victim and their behavior continues. This " alleged '' debt is well beyond the statue of limitations. I want this off my credit, it is outside of FCRA guidelines. Please have them stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Inaccurate and Non-compliance information on my Consumer Report.

A certified letter was sent to FEB Destiny ( Exhibit A ). FEB Destiny, the creditor, signed for the letter on XX/XX/year>. The correspondence concerned FEB Destiny issuing me a 1099-C form in connection with an illegal charge-off, which was never provided to me. 

On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, a debt collector ( Exhibit B ). In this letter, I informed them that they were in violation of FDCPA Section 1006.30 ( a ) ( the " no parking rule '' ) for reporting negative information on my consumer report without first notifying me On XX/XX/year>, another certified letter was sent to XXXX XXXX XXXX, referenced as " Exhibit C.-1 '' This letter served as my First Amendment dispute letter, as I had to resend it to include my identification and a redacted bank statement. It was also marked as Amendment # 1, as it contained a copy of my driver license and a redacted bank statement, " Exhibit C.-2 '' A certified/Notarized letter was sent to XXXX XXXX XXXX, XXXX XX/XX/year>, " Exhibit D '' as Amendment # XXXX, due to Incorrect account & account # A certified/Notarized letter was sent to XXXX Exhibit E '' was sent to XXXX XXXX XXXX  XXXX dated XX/XX/year> and was sign for on XX/XX/year>. This letter reference the duties of a CRA ( Consumer Reporting Agency ) starting with 1. 15 USC 1681e ( b ) Compliance and Procedures 2. 15 USC 1681s-2 ( 7 ), Negative information ( A ) Notice to consumer required 3. 15 USC 1681i ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy & reinvestigation required On XX/XX/year>, I received a letter package from Concora Credit Inc . This letter included an account package detailing the account 's history from its inception until it was closed. The package was dated XX/XX/year>, but received on XX/XX/year>, which constitutes a violation of 12 CFR 1006.34 ( c ). Exhibit F On XX/XX/year>, I sent a follow-up certified/Notarized dispute letter to Concora Credit Inc., addressed to `` Attention : Arbitration Demand '' at XXXX XXXX XXXX, XXXX, OR XXXX XXXX In this letter, labeled as Exhibit G, I requested arbitration and disputed the entire alleged debt under 12 CFR 1006.34 ( c ). Additionally, I detailed the violations committed by Concora Credit Inc., including a breach of New Jersey 's usury laws.

The laws that were violated : 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2 ( 7 ), 12 CFR 1006.34 ( c ), 15 USC 1692g , 15 USC 1681n ), 15 USC 1681o , 15 USC 1692k and Usuary law for New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Phone number listed for Attorneys at law on application for wage execution is not a functioning number. XXXX Website to make payment or dispute the debt is only active on home page. It will not let me log into my account. Main page of website is looks functional, yet you are not able to make payments. I have tried to make new account and sends error that i already have a active account. Reset password multiple time and will not let me log in. 

Signed up for auto pay and stopped after 2 months. 

Wrote letter to not contact employer and reached out to my HR department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
I settled with XXXX  TD BANK USA TARGET CARD they were to mark my account as paid in settled but they are still showing a balance owed even after I disputed the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XXXX of 2024 I had sent {$500.00} to a person who was impersonating a seller on XXXX XXXX, the payment was sent via XXXX, I had enough proof to show that it was a scam, provided the information to my bank, Capital One, and my claim was still denied. The information provided was someone that was impersonating this individual, upon research and through a reverse number search this individual lives in Texas. They used a secondary phone number to send an automated text showing the XXXX will be returned ( please see screenshots ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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