vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Assoc, has placed a negative collection notice on my credit report. They failed to advise me about this prior to placing it on my credit report. I reached out to them for validation/verification that its my debt. I have no knowledge of this debt, I've never had a XXXX XXXX XXXX XXXX , they sent me information, ie : account statements, numerous with different addresses. Most had XXXX past due balance and actual payments noted on the statement. I have not paid payments and advised them. Ive spoken with XXXX representatives from Portfolio and requested to send me the signed credit card agreement. All XXXX have told me they do not have that document. they purchased this debt in XX/XX/2019 and only received the documents they've forwarded to me. I've explained this debt is not mine, however, I do see its addressed to me. I advised them that I believe this debt to be my ex husbands and not mine, however they cant provide me the solid proof who it actually is that owns this debt. they continue to report they've proven the validity of this debt to be mine. Account statements being mailed to a variety of addresses ( some I have never lived at ) is not credit card debt validation. The best document to use would be the signed credit card agreement. I have been told who applied and was approved could have applied online and used my social security number. Ive had several accounts on my credit report that I have disputed and know they are not mine, but my ex husbands. He used my social security number to get a different bank credit card. This is not my debt, I believe this is fraud and I also believe Portfolio has not verified and validated this debt. They need to find the person who paid payments and who actually applied and approved for this card. I've sent them XXXX  dispute letters and requested this document. they have failed to truly investigate it and are only concerned with making someone responsible for the debt. Having the correct person responsible is not important to them. This has been on my credit and has caused significant decrease in my credit score. They continue to park this debt on my report knowing they haven't validated and verified this debt legally. the credit bureaus are being told this and haven't fully investigated either. Theyre believing Portfolio and not working on behalf of the consumer. I am once again requesting the document that could validate this debt. If they do not possess this document I am requesting this debt be removed/deleted immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent a request to have one address and be address only on my credit reports. My new address was updated but the other addresses have not been deleted. 

The only address that should be on my credit reports is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

No other addresses should be on my report.

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 2024-10-20 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: CA

Complaint narrative:
on my credit report there is a credit card by XXXX XXXXXXXX opened on XXXX XXXX credit limit of XXXX and I did not apply or authorized that credit card. 
I sent them letter from my attorney stating I was in XXXX XXXX and they still are holding me responsible I called them but they don't want to release information to me. 
XXXX XXXXXXXX is also using an address that I never lived at which is XXXX XXXX XXXX XXXX XXXX  ca XXXX I have also sent documentation to Transunion to removed the incorrect information to no avail.

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 2024-10-21 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: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-21 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: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinme Holdings, Inc.
State: WA

Complaint narrative:
I started the account creation process but was later denied access. In order to login I needed to verify my identity but was not given an option or instructions on how to move forward with the verification. The only support thats available is an ai chat it which is useless. Their support is very difficult to navigate or find any solutions. The telephone number that I and coinstar support could find was disconnected. I finally found a way to submit a ticket and got an answer but that was back on XX/XX/year> which did not in anyway resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a request for full validation of debt and Midland Credit Management via certified/return mail on XXXX and Midland on XX/XX/XXXX in response sent quite a list documents attempting to validate but only provided partial validation. In addition, on the cover page, the Midland provided contradictory information related to the balance owed on this account. In one section of the cover letter they state the 'Total due ' is {$2600.00} and just a few lines below that statement, on the same page of the document, Midland states the delinquent outstanding balance is {$5200.00}. I made a payment on this account in fear of being sued as Midland filed legal papers for in a XXXX XXXX court in an attempt to collect on this debt. 

I live in XXXX  and have since XXXX and was unable to appear so I made a payment on this account in fear of being sued. I am disputing the amount owed on this account and have requested full validation of the debt. Midland has only provided a partial validation as they have not provided a complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As such, they have not provided verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 

Midland XXXX XXXX have violated my rights under FDCPA Section 809 ( b ), as they are not allowed to pursue collection activity until this debt is validated. They should be aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-20 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: CT

Complaint narrative:
Well, I would like them to send me a written notice with my full name, Social Security number, the date when this alleged debt began, and records showing which company I supposedly owe. I want the names, addresses, Social Security number, and all the relevant information they claim to have, provided to me in writing. If they can not provide these details, I would like the debt to be removed from my credit report, as it is unfair for them to have no valid information about me while I allegedly owe them money. 

I also want to know exactly which company they are, because according to what I found online, they are a law firm. If thats the case, then they should have all my information. For me, the solution would be simple and practical : either they provide the necessary details or they remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached

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 2024-10-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Chase ink business card belongs to XXXXXXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXX XXXX XXXX  XXXX our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My credit score never change on your system.i appliee apple credit card amd saying my credit score is XXXXbut its totally lie.my credit score is right now XXXX  XXXX and XXXX is XXXXyou guys needs to change it as soon as possible.i cant appeove credit card because your mistake not updating my credit score on the system.pleaee update my information.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am unable to access my Transunion account. Therefore I am being prevented from seeing my report or score. I contacted TransUnion on chat and on phone where I discussed what is going on. When they tried sending temporary new credentials to log in the account kept kicking me out and locking again this was 5 days ago. I was told by TransUnion Consumer support that they have extended the issue to the specialist department and I would be contacted by email within 24hours with instructions. Well it's been a week and I'm still locked out of my account.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on my credit report there is a credit card by capital one opened on XXXX XXXX credit limit of XXXX and I did not apply or authorized that credit card. 
I sent them letter from my attorney stating I was in XXXX XXXXXXXX and they still are holding me responsible I called them but they don't want to release information to me. 
capital one is also using an address that I never lived at which is XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX I have also sent documentation to XXXX to removed the incorrect information to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The XXXXXXXX XXXX business card belongs to XXXXXXXX XXXX XXXX XXXX XXXX Yes i am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.

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 2024-10-20 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: TX

Complaint narrative:
The XXXXXXXX XXXX business card belongs to XXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.

Company response to consumer: Closed with non-monetary relief