vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reported inaccurate information to a credit bureau agency for 12 consecutive years, and the information reappears more often than it should. I am trying to close a mortgage, and this negative information is impacting my ability to close and costing me {$1500.00} each day that I can not transact business. 

My credit score dropped significantly after I worked hard to keep my file clean and cheerful. This bad reporting is causing health issues related to stress because I keep having to pay penalties for inaccurate credit reporting information.

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 2024-05-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

Experian : XX/XX/year>XXXX XXXX XXXX Business type : automobile Financing Company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Business type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10 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:
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 XXXX XXXX  : Account Number : XXXX XXXX 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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: TN

Complaint narrative:
A " Line of credit '' which was presented as a " credit card '' with this company was paid off and closed. Apparently there was an XXXX balance that was being reported as delinquent well after this card was paid and closed. A balance of XXXX was paid completely to satasfaction and an XXXX dollar balance at first was constantly being reported late. I called to resolve and paid the XXXX dollars ( Which should never been charged in the first place ) in which months later until today they continue to report it on my credit report as " Past Due ''. The account should no longer be on my credit report as we are in good standing with another product. Which we stated this and consistently stayed on top of this by calling. We've now written letters and what they've sent was hardly satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/2019 : The collection account was opened by Portfolio Recovery. 
Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt. 
Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXXXXXX I have no knowledge of it XXXX XXXX XXXX have no knowledge of it XXXX XXXX XXXX, XXXX have no knowledge of it ( 2 ) LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I received funds from my job through PayPal on Monday XX/XX/XXXX. Since that time I have not been able to use those funds because of their inability to verify my identity and even after answering their questions successfully they keep requesting more time. At first it was 72 hours and now they are asking for 48 more hours after 96 hours. I need my paycheck in order to purchase things and pay my bills and yet they can't release my funds because of their security system even though I proved that I was who I said I was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10 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: IN

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Business Bureau
State: FL

Complaint narrative:
I am formally lodging a complaint regarding inaccuracies in the reporting of an account associated with XXXX XXXX XXXX XXXX on my credit reports, managed by your organization, XXXX XXXX XXXX. These errors have negatively impacted my credit standing and require immediate attention for resolution. Upon reviewing my credit reports, I've noted discrepancies in the reporting of the XXXX XXXX XXXX XXXX account. These inaccuracies have adversely affected my creditworthiness, necessitating prompt corrective action. Therefore, I request a thorough investigation into the account. Additionally, I kindly ask for written documentation validating the reported account, including signed contracts or agreements related to services provided by XXXX XXXX XXXX XXXX, valid photo identification linked to the account holder, detailed service date records outlining the nature of services provided, and comprehensive documentation of payment dates and amounts made toward the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CapitalCredit LLC
State: TX

Complaint narrative:
My original complaint number is XXXX and Capital Credit LLC just breached 26 U.S. Code 7213 - Unauthorized disclosure of information. They had no right to publish my personal information on this open platform. Now this has caused me harm and I will seek legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please provide accurate and verified information for each claim, as the allegations are not true, or I'll delete them immediately if that is indeed the case! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I checked credit karma and I see this hard inquiry on my account I don't recognize it so I call the number they provided and I talk to XXXX different people and they all said they can't find anything open or any transaction history or applications in my name or my social security number or by my email so I call, XXXX XXXX credit bureau and they said they don't see anything as well so I call back to the XXXX and told them what XXXX XXXX said and they went through the same thing again and said they can't find anything still so I called back to XXXX XXXX and they told me to file for a report fraud.

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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
the company known as " XXXX XXXX XXXXXXXX '' with several phone numbers, ( XXXX ; XXXX ; and more. ) claims to be a debt arbitrator. I have tried to speak with them on several occasions, asking what this is about. each time they insist i owe money and they are trying to keep me from legal action in the county where I presently live. I have reminded them of of my bankruptcy discharge and they should check court records. They say the company they represent Citi Bank was not included in the discharge. I have records showing they were included. The original Bankruptcy was files in XXXX and fully discharged in XXXX. SWince filing for BK while living in XXXX, I have had to move numerous times. This Company could not even tell me my current address when I asked them to send me a letter with their request for additional information. 

I ' file additional complaints as needed.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen and they made multiple fraudulent charges on my credit cards. I informed the bank and gave them my identity theft report and all the information I had. They did not refund all the tractions and have denied some of my claims. They are stating that the charges are not Fraud after I already gave them everything proving otherwise. I requested copies of the documents they used to make this decision and they never sent me anything. Its been about 3 months since the Fraud happened and they still have not all dropped the charges or refunded my money.

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 2024-05-10 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: NE

Complaint narrative:
I beg you please remove this from the 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 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : OpenedXXXX. XXXX, 2020 : The collection account was opened by Portfolio Recovery. 

Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt.

Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as XXXX times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I Have Sent This company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of Pa. Please have this company cease all collection activities this is my last attempt to complain outside of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX and SYNCB/AMAZON XX/XX/2022.To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.

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