vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any 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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I found out the debt isn't mine and that XXXX XXXX admitted they made a mistake and that I wasn't on the lease as a renter I was listed as an occupant along with my XXXX daughter. I reached out to pro collect in regard to my debt the week of XX/XX/2023 they told me that if I get a written letter from the debtor ( XXXX XXXXXXXX XXXX XXXX that they will remove debt from me. I submitted the letter that XXXX XXXX provided and signed to pro collect via fax later that week around XX/XX/2023. They then informed me that they would need to speak with XXXX XXXX. After calling Pro collect they informed me that the debt is still owed even after XXXX XXXX forwarded me emails where she clearly provided the lease agreement and the letter showing and stating that I XXXX XXXX was not on the lease and did not have any signatures proofing the debt isn't mine. They just keep telling me this is all they can do. Last communication was XX/XX/2023. I just wonder how many other people this company is trying to force incorrect debt on.

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 2023-08-17 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I have two fraudulent charges made to my checking account these charges were made via XXXX XXXX online payment to a XXXXXXXX XXXX XXXXXXXX, The Charges were for {$1500.00} and {$1100.00}. I reported the fraud on the morning of XXXX as soon as I woke up and saw the charges. My bank Wells Fargo said they would investigate and that I would not have access to my funds until they completed their investigation. On XXXX there were XXXX more fraudulent charges to my account one was XXXX BANK TRANSFER XXXX in the amount of {$7900.00} and another was XXXXXXXX XXXX XXXX Payment XXXX XXXX in the amount of {$330.00}. These new charges over-drafted my account by over {$5500.00} dollars. Additionally {$830.00} was taken from my savings for overdraft protection to cover the new fraud. I called my bank ( Wells Fargo ) to report the new fraud and to question them as to why they did not take proper precautions to protect my account after I had just reported the fraud the day before. My bank just told me they would add the new charges to the fraud investigation and that I would have to wait for their investigation to clear before I could find out if I would get my funds reimbursed. I am now in a situation of having an overdrawn account from which I have automatic bill payments taken out of including utilities. I believe the bank was negligent in allowing my account to be overdrawn like this after reporting fraud the day before. I am left with no money and they are making me wait for an investigation to determine whether I get my funds. I am in trouble and the bank basically just told me I was out of luck. They offered no financial assistance for my hardship to to what I feel was gross negligence on the part of my bank.

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 monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America issued credit card I did not apply for. It was being mailed to NY. I have not lived in NY for 20 years & never lived in that area. They never questioned it. They should have contacted me immediately. Especially as I already have a card with them.

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 2023-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfoli Recovery Associates, LLC I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, XXXX XXXX. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of XXXX XXXX. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: NC

Complaint narrative:
This company was calling every day for the better part of a month. I can not /will not answer phone calls concerning personal debts while in an office. There have been instances of later phone calls and weekend calls as well, which is completely unprofessional and serves as harassment. Last week, I answered and immediately told them to stop calling. They continued to call XX/XX/XXXX ( XXXXXXXX XXXX  ) and XX/XX/XXXX XXXX XXXX XXXX ) ; each time, I repeated my request to stop calling me. On the last occasion, I told them I was going to report them. 

The calls did not come in Monday or Tuesday of this week but I received one at XXXXXXXX XXXX  yesterday. This company has not sent me a single piece of paperwork to identify themselves and who they are working for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXX NV. They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 notice a capital one credit was open without my consent I contacted capital one they close the account and told me to report to identity theft and to all credit bureau which I did now I want the hard inquiry off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I need this removed from all 3 collection agencies. I have disputed this several times and they continue to keep this on my report. No one will call or has called me or sent any written documentation as proof. This company is horrible and very unprofessional. They continue to make noted that I can not see on the account. All i can see is that it was reported again. I have no clue as to why they keep reporting it monthly.

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 2023-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear CFPB, I appreciate your attention to my initial complaint regarding Portfolio Recovery Associates , LLC ( PRA, LLC ) and their attempts to collect a debt that I have disputed. I have since received a response from PRA, LLC 's Disputes Department. Complaint # XXXX However, I have concerns that remain unaddressed : Lack of Licensing Verification : In my initial complaint, I mentioned that, to my knowledge, PRA, LLC is not licensed to operate in my state. Their response did not address or provide any evidence of their licensing status. I believe this is a crucial aspect of my complaint, as their authority to collect debts in my state of residence is in question. 

Inadequate Validation of Debt : PRA, LLC has provided a statement from XXXX XXXX as their sole evidence of the debt 's validity. Notably, the statement shows a credit limit of {$1000.00}, yet the balance stands at {$1200.00}. This raises questions regarding how the balance exceeded the credit limit, and whether there were any additional fees or charges added that I was not aware of. Moreover, a mere statement does not serve as a binding contract bearing my signature or any other concrete evidence proving my responsibility for the debt. 

Transparency and Clarity : While PRA, LLC claims to have completed their investigation and provided documentation to establish the debt 's validity, I find the evidence provided to be insufficient. A single statement does not provide a comprehensive view of the account 's history, transactions, or any communications I might have had with the original creditor. 

In light of the above concerns, I kindly request the following : PRA, LLC must provide concrete evidence of their licensing status in my state of residence.

PRA, LLC should furnish a detailed breakdown of the balance, specifically explaining how the amount reached {$1200.00}, surpassing the credit limit. 
A copy of the original contract or agreement bearing my signature, which establishes my responsibility for the debt. 
I reiterate my initial request that PRA, LLC ceases all collection activities related to this debt until they can provide proper validation and obtain the necessary licensing to operate in my state. I also stand by my initial demand for corrections with all credit bureaus and the removal of this account from my credit report due to the concerns raised. 

Thank you for your continued support and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-17 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-17 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: WI

Complaint narrative:
I have disputed the following inquires many times and haven't got any proof of them belonging to me. 

XXXX with date XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnishers and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute a collections tradeline on my credit report that is incorrectly reporting an expired debt beyond the statute of limitations. This account is being reported by : Debt Collector Name : XXXX XXXX XXXX -- Account # XXXX. As shown in the attached account summary from the debt collector : -- The original creditor was XXXX XXXX -- The debt originated on XX/XX/XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX. According to XXXX XXXX XXXX AR Code 16-56-105, the statute of limitations on debt collection is 3 years. As this debt is from XXXX, with last payment in XXXX, it exceeds the time limit to legally enforce collection of the debt.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: WV

Complaint narrative:
I received an email from TD Bank today XX/XX/2023 stating that I opened a new bank account with them. I called to report that it was a fraud account and they asked for my social security number to look up the account. I told them that I was not giving them my social security number. She looked up my zip code to find the nearest branch so I could go to the branch to resolve the issue, but there are not any TD bank branches in my state. I was referred here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions

Company response to consumer: Closed with explanation