vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates LLC Account # XXXX To whom it may concern at Portfolio Recovery Associates LLC ( Portfolio ). 



XXXX. At no time have I owed any debt to Portfolio. 

XXXX. At no time have I had any authorized accounts open with Portfolio. 

XXXX. At no time have I had any personal credit accounts with Portfolio. 

XXXX. At no time have I had any personal or business transactions with Portfolio. 

XXXX. At no time did Portfolio have a court order to collect a debt from me or to access my consumer credit report from any consumer reporting agency. 

XXXX. At no time did I consent to give Portfolio authorization to freely access and peruse my consumer credit report from any consumer reporting agency any time they want. 



Portfolio has not provided me with any documentation of proof of assignment of debt, chain of title, forward flow agreement or any documents proving they have the legal right to harass me with debt collection practices, and access to my personal consumer credit report. Portfolio has repeatedly abused having illegal access to my personal consumer credit report. 



Portfolio illegally re-aged a collection account they placed on my credit file on several occasions, the last being re-aged to XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio illegally accessed my personal consumer credit report three times, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is a direct violation of the FDCPA and FCRA. I have proof of this. 



Portfolio misrepresented to the Consumer Financial Protection Bureau ( CFPB ), via documented letters they attached to their response to my CFPB complaint, as well as several other letters they sent to me as of XX/XX/XXXX, which i have in my possession, that they were NOT attempting to collect a debt. However, through telephone communications and credit report access and reporting, it appears that Portfolio is still attempting debt collection on me. This is a direct violation of the FDCPA and FCRA. ( See attached Documents ) Portfolio did not provide me or the CFPB with any authentic proof of their ownership of XXXX XXXX debt, other than a hearsay letter dated XX/XX/XXXX, ending with the words Sincerely XXXX XXXX, in the signature area, without having a persons name, title or personal signature, confirming their personal knowledge allowing them to personally testify to this alleged sale. ( See attached Document ) At this time, I demand the Portfolio Recovery Associates , LLC remove all tradelines with their name and their account information referencing the above account immediately from all my personal consumer credit reports with all consumer reporting agencies forthwith, as they are in direct violation of FDCPA and FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
As part of a class action law suite , a full refund should have been issued from this creditor to all past and present loan accounts. I did not receive my refund of {$1200.00}. Of additional interests paid to this company. I would like a full refund as per a class action law suit brought against this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I'm a victim of identify theft. I received a bill through the mail saying I have a debt in the amount of {$1000.00} from XXXX during the month of XX/XX/XXXX. I did not make this purchase so someone is using my social security number to make this purchase. I have notified the agents from my XXXX account and the helped me enable a feature to where I will receive phone call everytime my social security number is being used. I will also be going to the XXXX  store to notify them about this purchase I did not make. I still need help finding out what else I can do about this Fraud and making sure it doesn't happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Recently, I attempted to make a scheduled payment online, only to discover that access to my account has been unjustly denied. This has prevented me from making timely payments, thereby accruing unnecessary interest and fees, which I believe is unfair and detrimental to my financial standing. 

Upon noticing this issue, I promptly reached out via email seeking assistance, only to be advised to call your customer service. However, I find that a phone call should not be necessary for a matter that can be resolved through granting access to the online portal. My request is simple and straightforward : I need immediate restoration of access to my account so I can fulfill my payment obligations without further delay or financial penalty. 

Moreover, the accruing of additional charges due to this access issue raises concerns about the bank 's practices as outlined in its prospectus. I am deeply troubled by the possibility of this being a tactic to push towards the repossession of the vehicle. Therefore, in addition to requesting immediate restoration of my online account access, I hereby request the following information regarding my loan : 1. The CUSIP number associated with my loan. 
2. A detailed activity statement of my account including any and all transactions, interest accrued, and fees applied.

3. Copies of any 1099 forms issued in relation to my account.

4. Detailed information on how my application and any loan securities associated with my account have been utilized, including whether they have been traded or have earned interest. 

I also want to make it explicitly clear that I do not authorize Trust Bank to share my personal information ( including my name, home address, etc. ) with any third-party company that is not owned by or directly affiliated with Trust Bank , in accordance with my rights to privacy and data protection. 

I trust that Trust Bank values its customers and will address this matter with the urgency and seriousness it deserves. I look forward to a swift resolution that enables me to manage my loan responsibly.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: CO

Complaint narrative:
The agency is pursuing legal action without confirming the dates of the debt as well as the original amount owed. From the information provided the debt collector or original debt holder is a company I currently have a credit card with. they contacted a past employer for garnishment, but never contacted 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 2024-03-03 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: TN

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: MS

Complaint narrative:
my banking account had been compermized by someone i recieved an email stating that my Primary e-mail addres was being unlinked from my cash app account then i recieved an email saying my number had been unlinked, so i immidiatly tried to log into my avcount i was denied access and at the time i was in the mist of fillling mytax refund when i was rejected saying that my social security number has already been used in a resent return. Ive reported this matter to the FBI and IRS, and i also requested a refund for every transaction that was not made by me i never ajurthorized any of this i was very unaware of this situatuation this, has led me to have a change in myh residence and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
I am writing to you not just as a concerned consumer but as an informed citizen well aware of my rights under state and federal law. Over recent months, I have observed inaccuracies and unverified information appearing on my credit report, managed and disseminated by Experian. These actions are not only negligent but border on the reckless, with a blatant disregard for the laws that govern their operations and protect consumers like myself. I am complaining to you CFPB because you are listed as the entity that is supposed to keep these Institutions in line. please help me with this situation. ive written them a couple cease and desists but they just ignore them like i dont even matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TN

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Someone opened or is trying to open a Chase personal checking in my name and it was not me. I recieved emails this morning telling me at XXXX and again at XXXX XXXX on XX/XX/2024. It was not me I havent even been on chase to open a account and I will never have a chase account. I have all the accounts I already use and happy with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On or about XX/XX/2024 I discovered that Nelnet ( Nelnet , Inc. ) has continued to report student loan balances despite the loans having been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) who has also began reporting the same student loan balances. This erroneous double reporting has led to the doubling of my student loan balance on my credit report ( s ). When Nelnet was contacted on or about the end of XXXX with regards to the erroneous credit reporting they stated they had already been removed but failed to provide any further information with regards to the current status or when these amounts would cease to be reported and/or fall off my credit report. As of XX/XX/2024 the student loan balances from Nelnet continue to be reported by the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under Experian Membership # XXXX Section XXXX XXXX reporting only. 

XXXX Experian and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what XXXX is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit 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 non-monetary relief
Consumer complaint received 2024-03-03 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: CT

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 XXXX, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 records of convictions 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 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 2024-03-03 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: CT

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 XXXX, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 records of convictions 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