vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery continues to report inaccurate information on my credit bureau report with XXXX and XXXX regarding a debt I do not owe. I requested " validation '' of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, with competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them ( Portfolio Recovery ). Portfolio Recovery never provided any information bearing my signature of any debt I owe to them. Portfolio Recovery continues to report false and inaccurate information on my credit bureau reports for a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXX XXXX  XXXX Public Record XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for Equifax and XXXX to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX Bank in the file TransUnion maintains under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. 

I hereby demand that they immediately delete the item from my credit report in order to avoid legal action. 

They need to govern themselves accordingly.

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 2022-06-29 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: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 2022-06-29 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: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 2022-06-29 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an 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 2022-06-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # 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 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 2022-06-29 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: IL

Complaint narrative:
Experian removed XXXX XXXX  account on my credit report due to it being a fraudulent account, due to myself providing supporting documentation being a FTC report and a police report. On XX/XX/2022 Experian reinserted the XXXXXXXX XXXX  account back on my credit report stating that XXXX XXXX requested the account be reinserted. Experian did not follow the law in regards to the Federal Credit Act ensuring that they sent documentation within 5 business days of the reasoning of the XXXX XXXX account being reinstated to my credit report. Also XXXX XXXX did not provide any supporting documentation of validating the account. The FRCA law has been broken by Experian and 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 2022-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, my bank is Bank of America. I notice on XX/XX/XXXX that money was taken from my checking account 14 times by a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) located at XXXX, Ca, 390 miles from me. The total amount it was taken for food and service was {$960.00} PLUS BANK FEES. First I called my bank, they said because the most of the money was taken on XXXX they would not be able to put all the money back to my account. That I need to call the merchant/business and asked them to refund me. I understand if this where charges I authorized or was aware and I want them to chargeback all 14 transitions, but NO. This is fraud, I've never been at XXXX and why would I order food being 390 miles away? I contacted the merchant, we went back and forward through email, I provided bank statements etc. They said it was XXXX, then later said if it was someone using their ATM to take cash out then it couldn't be their fault. They told me to go back to my Bank and asked them to give me the money back. I feel played, because my Bank wont help me resolved instead told me to all the FBI, which I did and they said the Bank needs to return the money to me. I need the bank to realized that this was unfair to me and need to do more for me. Return my money and bank fees they charge me and investigate how that happened so it wont happen again. My card was cancelled. Again this happened all year of XXXX, from XXXX to XXXX of same year. I suffered an accident and was XXXX XXXX XXXX XXXX XXXX and trusted my bank account was in good standing and nothing like this could happen to me. I feel betrayed that my Bank does not have my back. 

Note : Im also attaching business address ( screen shot ) so you can see it is not a walk-in business, a customer could not walk in and just use a ATM. I also included ( attached ) screen shot of my emailing back and forward with owner. I believe my bank needs to be involved and return my money they aloud to be taken.

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 2022-06-29 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: TX

Complaint narrative:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 

accounts XXXX account # XXXXXXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed

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 2022-06-29 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2022-06-29 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2022-06-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date Opened:XXXX Amount : {$4100.00}

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 2022-06-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX Date XXXX Amount : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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:
In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for XXXX and Experian to verify.

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 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
To Whom It May Concern:

   As You Can See My History With Debt Collectors Thru CFPB Whom Continue To Try To
Collect On A  $XXXX  Medical Debt, That I Can Prove That I Do Not Owe.
This Is The "Fourth"  Time That Debt Collectors Have Tried To Disturb My Credit Report,
With The Same False Medical Bill.
I Do Consider This  Continued Harassment To Try And Protect My Credit Report From
Debt Collectors. Is There Anything Legally I Am Able To Do To Prevent This On Going,
Non-validated Harassment? 
They Have Flagged My Account Once Again......


The New Debt Collector For This Year Is   PARAMOUNT RECOVERY
They Have Placed A Derogatory Mark  On My XXXX  And XXXX Accounts

PARAMOUNT RECOVERY SYS XXXXXXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXAidvantage has violated my federally protected consumers rights. on the following dates XXXXAidvantage has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I sent yet another letter ( Certified USPS XXXX ) to Equifax stating my claim. My letter was an answer to the " verified '' account that allegedly was investigated. Equifax stated account XXXX XXXX XXXX XXXX was investigated but how is that even possible when the opening date, last active date, and last reported date are inaccurate? I also add that my name isn't listed correctly. 

Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft. 

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. Finally, I have to know as to how you can " verify '' the accounts below when XXXX has complied with my actual claim by deleting the accounts. I attached the agency 's report as proof that you are not communicating the disputes to all required databases. I want you to know that I realize using a name, birth date, SSN, and address is not a reasonable procedure nor is it fair and impartial as the FCRA states you are required reasonable procedures that are fair and equitable to me as the consumer. 

I've attached proof for the following account : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I noticed a few inquiries on my report that I don't recognize and I called both TransUnion and XXXX to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on TransUnion XXXX XX/XX/2022 on XXXX XXXX XXXX XXXX XX/XX/2022 on 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 2022-06-29 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an 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