vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
XXXX XXXX XXXX is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to REVVI XXXX XXXX XXXX on ( XX/XX/XXXX ). 
I have not given XXXX XXXX XXXX or REVVI XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; XXXX XXXX XXXX has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. 
Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule XXXX XXXX XXXX must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 
I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency.

I am very certain that XXXX XXXX XXXX or REVVI XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for REVVI XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2023 I reached out to Barclay Credit Card to request a reprint of a letter they sent to me verifying that my account is no longer reporting delinquent status from XXXX and XXXX of 2023. I spoke to a representative named XXXX and she said that it is their policy that they can not reprint and resend these letters but verified that my account is not reporting late however it is still reporting late. I need the letter as proof to show to the credit bureaus that the account status needs to be updated but Barclay will not resend me the letter, yet they are still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a dispute letter to TransUnion on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it

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 2023-08-18 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: TX

Complaint narrative:
I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX & XXXX XXXX {$830.00} XX/XX/XXXXXXXX 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 2023-08-18 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: TX

Complaint narrative:
I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: NC

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 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: NC

Complaint narrative:
XX/XX/2023 XXXX transunion XXXX XXXX XXXX paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I had q {$4200.00}, they charged XXXX interest on the balance. I figured this was a error and tried to fix it. Then in XXXX they charged {$2200.00} interest on the same balance. Ive gone round and round with them on this. I asked for a payoff balance, and recorded our calls of XXXX different people telling me that if I paid {$4000.00} on or before XX/XX/XXXX, this would clear my balance. I made the payment, and they still show I have a {$1000.00} balance. This is a scam..

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 2023-08-18 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: CA

Complaint narrative:
This needs to be removed from credit report. It is not accurate.

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 2023-08-18 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of these account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes, but you guys refused to remove them I have submitted my police FTC report, with two form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The company is reporting that the account is open, but it has been closed and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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