vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/2024. XXXX, XXXX and Portfolio Recovery are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A XXXX XXXX XXXX debt account being serviced by XX/XX/XXXX with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well.

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under XXXX provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article XXXX, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
collections Icon CREDIT MANAGEMENT- account # XXXX I have a collection account from Credit Management for XXXX XXXX on my XXXX credit report XXXX I'm unaware of this collection and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me. 

XXXX XXXX XXXX  Balance : {$67.00} I have a collection account for XXXX from XXXX XXXX reported on my XXXX and XXXX credit report. I'm unaware of this collection account and would like to have the collection removed from my credit report. Can you please, provide me assistance with this matter. I have reached out to the company, and they have been unable to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Date of the transaction XX/XX/year> Amount paid to XXXX XXXX  was XXXX for cancellation fees in order to receive XXXX ( flights purchased on XX/XX/year> ). Business committed to provide a refund of XXXX after I paid cancellation fees. The refund was never received so I have lost the cost of product XXXX and XXXX for cancellation fees which is a total of XXXX The business seemed to have blocked my calls and ignore my emails. XXXX  number XXXX. I called Discover multiple times to let me them know that I did not receive the refund. I provided bank statements to Discover but they said they would investigate but did nothing on my behalf. Let me know if you need the bank statements to prove that I did not receive the funds. I have been fighting for my refund for almost a year. I filed a XXXX  complaint, and the company did not respond to the fraudulent charges. Discover failed to protect me against this fraudulent charge and I refuse to use their credit card ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since 2023 asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of 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 non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX ( XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX CARD SER, XXXX XXXX CITIZENS BANK, XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX, XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I have requested on XXXX different occasions to Mass Housing to start the process to remove PMI from my loan because my value has increased and I have over 30 % equity on my primary residence. I have called the servicing line and requested a XXXX  be conducted. I am told I will receive a call to collect the fee but I never recieve the call. I recieve a letter shortly after stating I have not paid down my loan below 20 % from the original purchased value. I have seasoned my loan long enough to be able to request an opinion of value to establish enough equity to have pmi removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
Formal Complaint Against YCCS 1. Around XXXX XXXX XXXX & XX/XX/XXXX and XXXX of XXXX YCCS insisted that I must sign a payment arrangement of {$300.00} a month before they would contact the XXXX XXXX XXXX ( XXXX  ) to lift my license suspension. I was unable to afford this amount. 

2. Recently on XX/XX/XXXX the agency agreed to a payment of {$20.00} without requiring me to sign any agreement and subsequently called the XXXX to lift my license suspension. This shows inconsistency and possible bad faith in their initial requirement. 

Impact of the Agencys Actions - Tickets and Fines : In the interim, I was pulled over several times and issued tickets for driving without a valid license couldn't transfer car into my name because of no license. 

- Employment Issues : Due to the suspension of my license, I was unable to secure employment, leading to financial hardships. 

-Emotional and Financial Distress : The stress and financial difficulties caused by this situation have had a profound impact on my life and well-being. 

-Recorded Evidence : All communications between myself and the collection agency were on recorded lines on their end. I am currently in the process of obtaining copies of these recordings as evidence. 

Request for Resolution 1. Review and Action : I request a thorough investigation into YCCS for their deceptive practices and misrepresentation. 

2.Compensation for Damages : I seek compensation for all ticket fines, lost wages due to the inability to secure employment, and emotional distress caused by this situation.

3. Remedial Measures : Implement corrective measures to ensure YCCS adheres to lawful and fair collection practices in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the consumer Financial protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Debt final rule 1002.142 ( B ) ( 4 ) -5- -1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605 c of the fair credit reporting act. i am victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information transunion .please delete the following account and balance of XXXX XXXX on XXXX account number XXXX with the balances of XXXX along with XXXX  open XXXX balance XXXX account number XXXX, XXXX XXXX XXXX account number XXXX XXXX, XXXX  account number XXXX balances XXXX open XXXX, XXXX account number XXXX open XXXX balances 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XX/XX/XXXX XXXX Thank you in advance for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Received Chex systems .... noticed numerous inquiries... asked Chex system to investigate .... was met with resistance and put burden on me ...... I reiterated that frca clearly states ... .. creditor needs to furnish evidence and Chex systems needs to provide evidence in a timely matter .... with reluctance they agreed but within hours ..... I start receiving negative results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Well Fargo as stated here and on the XXXX  stated the removal of this hard inquiry due to id theft someone had tried ( unsuccessfully thanks to a credit freeze ) to have opened an account on Wells Fargo. This was spring of XXXX, however as of XX/XX/XXXX the hard inquiry is still present on my credit file. See attached. 
Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I asked Experian to remove an address listed on my credit report that does not belong to me and they haven't removed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.mo 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
on or around XXXX XX/XX/2024 I went to Co-sign for a car for my daughter and the dealership Called to verify my identity that my social security XXXX was on the XXXX XXXX. I found that I had XXXX different names & several addresses similiar but not correct- several disputes filed a ftC report Iocal police department doesn't make identity reports. Several random credit card chargeS that have been resolved with the credit card companies however closed my accountS without my consent due to a drastic drop score and balances inquiries that weren't mine. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and now several loan XXXX credit application denials all of which are not mine. I got another alert on XXXX XXXX about my social security XXXX on the XXXX XXXX. I have placed a credit freeze and there are still some wrong a adresseS on my report. I have always paid my bills via cntodeduct and on time and my bank has refused some due to freeze. Leaving me with a huge mess and Inconvenience and bad credit. I need help with restoring my Credit 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As I was reviewing my Consumer Report I noticed fraudulent accounts and inquires. 
I am a victim of identity theft because I did not give the accounts listed below consent to obtain my personal credit. My personal information was compromised and used without my knowledge. Per section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquires XXXX  INQUIRY DATE XX/XX/2024 I've attached an Affidavit that has proper identification documents such as drivers license, social security card, proof of address, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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