vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PlusFour, Inc
State: FL

Complaint narrative:
This is not a duplicate dispute To whom it may concern, I recently sent XXXX a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # 1 PlusFour , Inc. / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the PlusFour account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in PlusFour , Inc.s illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it. 
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves PlusFour, Inc.s illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am a long time Navy Federal Credit Union member. I'm a also XXXX XXXX, a single  dad, and a former XXXX  business owner. Somehow either through the dark web or some other resource my information was leaked and used to make XXXX of thousands of dollars of purchases I did not make. I bought this to the attention of my bank and they claimed to do an investigation. They provided me no information and of course denied my claim. I then gave my tax documents proving I wasn't even in the U.S. at the time of these purchases. They credited my account about 4 % of what was taken then adjusted the account leaving me in debt with them. I have asked multiple times to be provided the information they used to investigate my claim and I've been told no every time. They've went as far as to say I would need a warrant from the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NJ

Complaint narrative:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

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 2022-05-05 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: PA

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX 6. XXXXXXXX 7. XXXX 8. XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2022-05-05 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: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-05-05 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: TX

Complaint narrative:
I sent the attached letter to Experian and they received it on XX/XX/2022. Experian responded to me online XX/XX/2022 that the issue was resolved. 

I am trying to figure out how Experian investigated and resolved the inaccurate information on my credit report in 2 days. 

See the Attached credit report showing the inaccurate information : The Inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies. 
-High Balance is not consistent across all 3 credit reporting agencies.

-Comments are also not accurate between all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 

The inaccurate information on XXXX XXXX XXXX XXXX XXXX -Last Date of Activity is different in all 3 credit reporting agencies.

-Status is not consistent across all 3 credit reporting agencies.

-High Balance is not consistent across all 3 credit reporting agencies.

-Most Recent Adverse Rating is not consistent across all 3 credit reporting agencies.

-Payment History is not the same across all 3 credit reporting agencies. 
-

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 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: OH

Complaint narrative:
I have know knowledge of what this is for and I have asked multiple times for an itemized bill and dates of when this service had happened and they will not give me the information or any details at all I have always paid something consistently on XXXX through the XXXX so I should have XXXX accounts going into a collection. 

company revco account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Personal information is incorrect.

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 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit report for XXXX and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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 non-monetary relief
Consumer complaint received 2022-05-05 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: NY

Complaint narrative:
There is no third party involved. 

I, consumer, and natural man, was recently denied acquisition of reliable transportation by several companies due to the false statements and inaccurate and unverified information you are furnishing. 
You are reporting late payments on accounts that have NEVER been late! 
Pursuant to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This is for the XXXX ACCOUNT THAT IS CLOSED ENDING IN XXXX. 

How can I owe on a closed account? The account is closed, and you are inaccurately reporting open balance. Please remove this at ONCE. 

you conducted a investigation? you have a witness with a statement notarized? Prove to me you are not using an automated system. If you cant prove it, it needs to be cleared. This is inconspicuous information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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, 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 an 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 2022-05-05 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: AZ

Complaint narrative:
New Day Financial LLC has been sending me VA Loan junk mail for years. I have called them and requested they stop sending me mail but have not complied. Their mail is misleading and predatory. They claim guaranteed amounts of cash out home equity loans and claim lowest interest rates. The mail is deceptive and appears to come from my bank or mortgage processing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 2022-05-05 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:
This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.

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 2022-05-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PA

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not a duplicate dispute To whom it may concern, I recently sent Experian a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the XXXX account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it.

4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the fair credit act XXXX  account XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights XXXX XXXX Account # XXXX Has violated my rights 15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with 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 with 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.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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