vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: FL

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in XXXX XXXX. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$60.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}, XXXX XXXX XXXX Balance : {$37000.00}

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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was a victim of identity theft in XXXX  and i didnt find out until XXXX  when I was getting my tax returns together to purchase my home. I receive a PIN number because someone filed taxes under my ssi and name in XXXX  and my identity has been compromised ever since so there are many addresses and accounts that arent mine and i did not sign off on including the garnishment from midland credit brought by XXXX XXXX. I didnt incur these debts and was unable to respond to lawsuit because i almost died having my premature baby in XXXX. In XXXX someone bought a phone on my XXXX account as well and i wasnt charged for it because i notified them about my identity theft issues from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
No response can you please delete those items!!!

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Account name CONSUMER ADJUSTMENT CO Account number XXXX TWO collections on my credit report since a XX/XX/2022. I was XXXX  with my XXXX  child in XXXX of XXXX  - and this has since destroyed my credit and my opportunity to buy a house for my daughter and I. It says XXXX XXXX. I wrote a letter in the mail, emailed, and called for information about this debt - no reply, no response, no call back. I have disputed it several times on my credit report and they continue to deny my dispute. I have NEVER been to XXXX XXXX!!! I never received ANY mail or information about this prior to it appearing on my credit report. It is destroying my credit and its NOT MINE!!!! I called XXXX XXXX  and asked if they could look my name up and they said they dont have it in the system. The representative told me that people can sign up using any phone number and never pay and it will get charged to another persons account. I searched my emails and have NO emails from XXXX XXXX. My phone # was not in XXXX XXXX  system. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/2021 Balance : {$160.00}

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was awarded a gift card from work for {$200.00}, I used it once for {$16.00} at XXXX XXXX. That was the only time I used it. Two weeks later there was a transaction for {$180.00} with the description of " PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX this is nothing that I am familiar with at all. PayPal " help '' gets you nowhere especially since it was not on a PayPal account. Is there anything that can be done? Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, 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 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery continues to call spoofing different numbers to reach. I personally warn them to stop calling and yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX, # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX, # XXXX US DEPT OF EDU, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX ARS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX has violated my rights. 

1

5 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

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXXXXXX XXXX, # XXXX XXXX # XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX US DEPT OF EDU, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I recently requested a payment extension on my vehicle on XX/XX/2023. The representative told me that I was able to pay my bill on XX/XX/XXXX and my vehicle would not be repossessed due to a payment extension. On XX/XX/2023 our car was repossessed. We called American Credit Acceptance and asked why our car was repossessed and they stated that they called the vendor and they said they had no documentation of our vehicle and they had not sent a notice for them to pick up our car. They ended up sending a claim to management on an illegal repossession. But no one was able to help us. No one gave us answers. We are without a car with no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I stand before you today as a victim of the unethical and abusive practices of LVNV Funding LLC, a debt collection agency that has caused me immense pain and hardship. 

Their tactics have gone beyond what is legal and ethical, and have caused me extreme stress and XXXX. They have called me repeatedly, sometimes multiple times a day, even after I have asked them to stop. They have used threatening language, and have even gone as far as to contact my employer, resulting in the loss of my job. I can not begin to express how devastating this experience has been for me and my family. 

But the harassment didn't stop there. LVNV Funding LLC also called my landlord, my friends, and my family, asking them about me and my finances. They even called my manager and asked how much I was earning, which is an invasion of my privacy and a violation of my rights. 

As a result of their constant calls and harassment, I lost my job, which has had a significant impact on my financial stability and well-being. I have struggled to pay my bills and provide for my family, and the stress and XXXX have taken a toll on my mental health. 

In addition to the financial and emotional hardship, LVNV Funding LLC 's actions have strained my relationships with those closest to me. My landlord and friends have expressed frustration and concern over the constant calls, and my family has had to endure the stress and XXXX alongside me. 

I am here today to speak out against LVNV Funding LLC 's abusive and illegal practices, and to demand that they be held accountable for the harm they have caused me and others like me. The emotional toll of their actions has been overwhelming, and it has taken a toll on my mental health and wellbeing. 

I plan to file a complaint with the XXXX XXXX XXXX and will explore all legal avenues to seek restitution for the harm they have caused me. In addition, I will be contacting my state representative and state attorney 's office to bring their attention to the unethical practices of LVNV Funding LLC and to urge them to take action to protect consumers. 

It is my hope that by speaking out about my experience, I can raise awareness about the abusive practices of debt collectors and prevent others from experiencing the same pain and hardship that I have endured. 

I urge you all to join me in standing up against these illegal and unethical practices. Together, we can hold LVNV Funding LLC accountable for their actions and ensure that consumers are treated with the respect and dignity they deserve. 

Thank you for your attention and for your support as I work to seek justice and hold LVNV Funding LLC accountable for the harm they have caused me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX AV XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$1000.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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