vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery XXXX  are notorious for harassing people for alleged collections accounts. I have reported them here in past years for alleged debts/collections. First, they have reported 2 collections to all 3 of my credit reports without providing any written notice and/or documentation of the alleged debts. On my credit reports, Portfolio Recovery doesn't even list who the alleged original creditor was or when the alleged debt was incurred. 
Second, Portfolio Recovery incessantly robo-calls my cell phone from dozens of different numbers daily that are not from their corporate number, including Sundays. Some of these numbers are : XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, and this is just to name a few. Given the amount of different area codes they are calling from is a huge red flag that they are phishing scammers and not conducting legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I received a letter from XXXX XXXX for property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a response to them on XX/XX/XXXX, indicating that the debt does not belong to me. 

I then received another letter dated XX/XX/XXXX from XXXX XXXX, another collection agency. 

Recently another letter was received from Radius Global Solutions LLC dated XX/XX/XXXX which I disputed just now via their email XXXX. 

I do not owe XXXX XXXX and they are apparently reselling the information after I contacted them indicating that I never lived at the service address. 

I would like this debt removed from my record and to have XXXX XXXX correct their system so this error will never occur again. Thank you. 

Sincerely, 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 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
issue is a fraudulently reported collection account my credit report for a mortgage has a collection account that is not mine. i contacted paramount recovery who over hte phone verified full name date of birth and ssi number none of which match my information and the lady i spoke to verified it was not me. however they said it would take 6 weeks to process the account to have it removed i reiterated that this fraudulent account ws affecting my ability to get a home loan then i asked for a manger. XXXX XXXX came on the line and he refused to reverify and stated " anyone can make up ssi numbers date of birth " which i replied i have sent you my ssi card and texas drivers license its not me. he refused to cooperate and have this account removed from my credit report. He was extremely rude and hostile. he verified the original creditor is XXXX XXXX XXXX- i spoke to a nice lady XXXX XXXX XXXX XXXX who handles the billing for XXXX XXXX XXXX XXXX who stated none of my information was in her system she stated that she is unable to contact the collection agency but that once they are contacted then she will verify this account is not mine its someone else. they wanted me to pay this debt even though its not mine i need to get my home and they are preventing me from doing that by fraudenlty reporting debt that is not mine and holding me hostage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In according with the Fair Credit Reporting Act, SOUTHEAST TOYOTA FINANCE for ACCOUNT NUMBER : XXXX, has violated my 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear sir/ma'am I fell trap to an agent of a closed school ( XXXX XXXX  XXXX ) and paid XXXX dollars in tuition to the school for an XXXX program. XXXX XXXX XXXX is permanently banned from offering XXXX program but they still collect money from unsuspecting students by claiming they are under probation. I have tried everything since XX/XX/2022 to get Chase bank to refund my money in order to fund my XXXX training in an approved school to no avail. Their reason is that It has been a long time. 

It is certain that the effect of a school Close-Down is lack of Authorization to carry out the business of the nature that it's supposed to do. 
Does XXXX XXXX have the mandate to operate after closure? 
Let 's consider the merit of a certificate given by a school after its official closure. 
Please I bargained for a certificate from a viable institution not from a closed one. That's why I am requesting a refund from Chase bank. 
I worked 3 years in a group home earning minimum wage and saving in order to save for school and this is very discouraging. 
Thanks immensely. 

Attached is the response from chase credit services, my offer letter to the school of XXXX and XXXX  closure receipt. 
http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Agency refuses to remove debt from my credit report even though it has been paid in full, have called them multiple times and disputed

Company response to consumer: Untimely response
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I did not open this account. I have never heard of a Destiny card. I got a statement in the mail. I never opened this account, did not authorize any purchases and would never open an account with an annual fee. I called the customer service number on the statement and was advised to contact you and file a theft identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received an email on XX/XX/22 confirming opening a new account with Bank of America. I was provided an abbreviated account number and all documents had my name. When attempting to log in online to change or cancel information, it was under my social but I was unable to do anything as the banking institution was closed. I was able to email their fraudulent department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NY

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: GA

Complaint narrative:
personal info is in correct addresses I never lived and names i never used

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CL Holdings LLC
State: IL

Complaint narrative:
To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: AL

Complaint narrative:
I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX  - {$220.00} XXXX XXXX- {$560.00} XXXX - {$560.00} XXXX XXXX- {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: AL

Complaint narrative:
I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX - {$220.00} XXXX XXXX- {$560.00} XXXX  - {$560.00} XXXX XXXX- {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C.1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX  Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX Acct # XXXX - Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, under 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt.

In accordance with the Fait Credit Reporting Act, all these accounts are in direct violation of my constitutional federal rights under 15 U.S.C. 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NY

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/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 2022-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Contacted Barclays in XXXX regarding unauthorized change of address, phone number and email. Asked for corrections to all of the aforementioned changes and for current card to be canceled and issued a new card. Confirmed that the address was corrected. A new card was issued, but it was sent to the fraudulent address and was used on 4 separate occasions : XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$200.00} ), XX/XX/XXXX ( {$170.00} ) and XX/XX/XXXX ( {$150.00} ). I called on XX/XX/XXXX and again asked for my information to be corrected as it was NOT corrected as previously requested. I had the card with the charges cancelled and again a new card issued. I was told that the I would receive a letter to confirm the reversal of the charges. New card was received, as well as a letter stating that the charges were fraudulent ( XX/XX/XXXX ) and my account would be refunded/corrected. The charges were reversed and then out back on my account. I called again XXXX, end of XXXX, beginning of XXXX and most recently XX/XX/XXXX and XXXX. The charges are now said to be valid. I have filed a police report, fraud report with the FTC and frozen my credit information with all three credit bureaus related to these charges, as well as charges made to my XXXX credit accounts. Fraud alerts have been issued with all 3 credit bureaus, XXXX and XXXX ( merchants that also had fraud related issues ). XXXX, without delay or question, resolved all issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX  XXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation
State: KY

Complaint narrative:
I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: MO

Complaint narrative:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

Company response to consumer: Closed with explanation