vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Subject : Complaint Regarding Fraudulent Debt Claim by Portfolio Recovery Associates Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/year>. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXXXXXX 's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and Portfolio Recovery Associates directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of Portfolio Recovery Associates violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by Portfolio Recovery Associates violates this requirement.

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by Portfolio Recovery Associates constitutes a breach of this statute.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Portfolio Recovery Associates correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: GA

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 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 2024-05-18 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: GA

Complaint narrative:
Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ). This fraudulent, inaccurate, and false information consists of inquires for XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts and inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts, this affects my credibility in obtaining credit, please I need to remove these accounts from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts, this affects my credibility in obtaining credit, please I need to remove these accounts from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts, this affects my credibility in obtaining credit, please I need to remove these accounts from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-18 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/year> on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692 e.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: OR

Complaint narrative:
Customer Service Number, XX/XX/24 The agent informed me that me lack of a mobile phone means I am unable to open an account at MyExperian and receive my free credit report. 
No exceptions!

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Incorrect information 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
Subject : Complaint Regarding Fraudulent Debt Claim by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/2022. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXX  's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX XXXX violates this requirement. 

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX constitutes a breach of this statute. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. 

Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
Subject : Complaint Regarding Fraudulent Debt Claim by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/2022. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX and I believe this claim is a result of XXXX XXXXXXXX 's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX XXXX violates this requirement. 

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX constitutes a breach of this statute. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: OR

Complaint narrative:
Phoenix XXXX XXXX has not responded to inquiries to their email address. 

A prior credit collection firm of XXXX XXXX XXXX is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation. I request an immediate reinvestigation of this item, as the inaccuracies are causing significant harm to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request that you provide the names and business addresses of each individual who verified this account. This information is necessary for me to conduct further follow-up.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete. 

Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2024-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation. I request an immediate reinvestigation of this item, as the inaccuracies are causing significant harm to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request that you provide the names and business addresses of each individual who verified this account. This information is necessary for me to conduct further follow-up.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation