vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery A is listed on my credit report as an account in collections.

I inquired about this collection after pulling my annual credit report by calling the company. The company states that they are not handling a account in my name and referred me to XXXX XXXX XXXXXXXX and XXXX. XXXX and XXXX did not answer the phone and has not returned my phone call. 
I am suffering from wage garnishments. The garnishments that are being paid are not being deducted from this supposed collection. When I questioned Portfolio Recovery A about the amount staying the same they said that they did not have any information about it and that i would have to call XXXX and XXXX. 
Portfolio Recovery A is not being transparent. Although they refered me to an organization that is taking garnishing my pay, it is not being reported. The amount they claim i owe them is the same as it was 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This Debt Collection Company, National Credit Adjusters , LLC sent me information on XX/XX/year> of a debt they claim i owe. I do not owe this debt or recognize this online debt or contract. This company does not have the correct information and they have the wrong Identity. They are in violation of state and federal compliance rules and regulations. I will not allow them to bully me with emails and letters asking me to pay them money. Please cease and desist all calls and contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
Prosper is not reporting the account accurate. The settlement was put in place XX/XX/year>, payments were made on time every month since XX/XX/year>, per the settlement. Prosper was then paid off early on XX/XX/year> and sent me a text saying they got the payment. Per the settlement the account should be marked Paid and Closed, settled for less than full balance, closed per consumer request. 

I have spoken to Prosper and XXXX XXXX multiple times and have been misadvised by their agents multiple times, from being told the account was " Sold '' to no it's not " Sold ''. Then it was it will be updated on XX/XX/year>, but it's not updated. Regardless if it was sold or not the information being reported is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
In accordance with fair credit reporting act 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 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 2025-01-02 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Immediate Cease and Desist & Formal Debt Dispute, I am writing in response to your repeated attempts to collect a debt that does not belong to me. I have no association with the creditor XXXX XXXX, and the debt in question is not mine. The address you have on file, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is not my address. As a result of a data breach involving my personal information, which occurred on XX/XX/year>, and was disclosed to me by XXXX XXXX XXXX ( please see the enclosed documentation ), my personal information, including my Social Security number, was compromised. I have reason to believe that this debt may be related to fraudulent use of my identity. I have taken steps to protect my identity and am actively monitoring my credit. This breach has resulted in unauthorized use of my personal details, and I am not responsible for any debts incurred by these activities. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute the validity of this debt and demand that you immediately cease all further communications with me, including phone calls and letters. Your continued contact constitutes harassment and is a violation of the FDCPA. Additionally, under 15 U.S.C. 1692e, any false representation of the character, amount, or legal status of any debt is prohibited. Since I am not legally responsible for this debt, your continued efforts to collect are unlawful. I request that you provide : 1. Proof of my legal obligation to pay this debt, including the original signed agreement or contract. 2. Verification that this debt is actually mine, based on legitimate information and not as a result of identity theft. Should you fail to comply with this request, I will pursue legal action for damages related to harassment and violation of my rights under both federal and state law. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Washington State Attorney XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2025-01-02 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: OH

Complaint narrative:
I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including XXXX, Transunion and XXXX and they have not remove this false and inaccurate information.

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 2025-01-02 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: OH

Complaint narrative:
I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including XXXX, XXXX and Equifax and they have not remove this false and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
I am writing to bring to your attention several inaccuracies on my credit report. There are accounts listed that do not belong to me, and I have never opened or authorized them. This situation is not only unfair but also deeply concerning, as it falsely damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am unable to log in to see the charges on my account and they are not able to send me a paper version. I can't confirm if the charges are correct and I have called multiple times. Customer service has had me reset my password and it never works. I am getting charged all these fees even though I have not be allowed into my account. Nobody seems to know how to fix it and i am incredibly frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-02 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm submitting this complaint due to multiple inaccuracies on my credit report with Experian. My name is listed with several variations, but the correct name is " XXXX XXXX XXXX. '' Additionally, there are multiple incorrect addresses and employers listed. The correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX, '' and my correct employer is " Publius Press. '' Lastly, please remove all phone numbers listed on my consumer report. According to the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in their reports. I request that Experian promptly correct these errors to reflect my correct name, address, and employer. Please provide me with written confirmation once these corrections are made and send me an updated copy of 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 explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

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