vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that PRS sent to my attention was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts. Those records do not reflect a contract to pay signed by me the contract to pay were only signed by the identity thieves who stole my identity to open said accounts owned by Portfolio Recovery Associates using my social security number XXXX. 

A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. Portfolio Recovery Associates has no record of my request or or dispute being received in relation to their initial notification letters because I NEVER received initial notification letters because they were mailed to the identity thieves who fraudulently signed contracts to pay using my social security number XXXX. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making monthly inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. 

The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. 

Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. 
On XX/XX/22 I have again disputed the inquiries via CFPB and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. 
Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full

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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. 

I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. 

No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX  ; I have become dismayed. Is this what NFCU means by the mission is our members? 

Yours truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: AK

Complaint narrative:
At XXXX received call from P & B Capital Group trying to collect debt from someone who is not me. I do not have debt. I am on do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
XX/XX/2022 XXXX collection sent bill XXXX of 2022 for {$280.00} from XXXX energy. When I contacted them, I was told I have XXXX other accounts opened for green mountain for {$450.00} from direct energy for {$370.00}, and from reliant energy for {$120.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: IN

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX, there were 29 fraudulent charges that were allowed to deplete the funds in my account. The amounts range from {$.00} to {$350.00}. The credit union failed to notify me of any suspicious activity. The credit union failed to block my card. The credit union failed to take any steps to protect my funds. These are obvious fraud charges because of the amounts, the frequency, and the location of the transactions. The transactions were completely outside of how my debit card is used. I am expected to wait up to 10 day for an investigation to be completed before my funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One advertises {$0.00} Fraud Liabality. Yet I was a victim on fraud. On XX/XX/XXXX there were 4 unauthorized charges of {$290.00} for a total of {$1100.00}. Capital one has decided the charges were valid, but they can't even tell me who the charges were from. {$0.00} Fraud liability is clearly a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX  year old XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX OF XXXX ACCOUNT XXXX XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX CARD ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes. 

They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-09-28 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: IN

Complaint narrative:
There is a XXXX credit card account appearing in my TransUnion credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called TransUnion ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( XXXX  ) managed to create an account that appears on my record. I called XXXX and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a Transunion dispute in place ( I can provide case number if needed ) but TransUnion has not resolved the problem and removed this account that is not mine. 

This account only appears in my TransUnion report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my Transunion XXXX. I am pleading for help with this situation.

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 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, Citibank blocked our checking account after we deposited a check to our account. We are unable to make any transactions on the account. We have called in and attempted to fix this issue. They will not unblock our account for 10 business days.

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