vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the fair reporting act, this creditor has violated my rights. Under 15 U.S. C 1681 section 602 states I have rights to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My family and I have received threatening calls and messages about authorities come to arrest me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: OH

Complaint narrative:
Fraudulent accounts and Inquiries appearing on credit. 


1. XXXX XXXX XXXX {$580.00} 2. Dept Of EducationXXXX {$9400.00} 3. Dept Of EducationXXXX {$4300.00} 4. Dept Of EducationXXXX 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ).

CHASE did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for JPMCB needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, XXXX ) And all secondary Credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ID Analytics, Inc.
State: KY

Complaint narrative:
XXXX and its affiliates Sagestream XXXX XXXX  Have been holding and storing my personal and private information without my written consent. 

They have been communicating with XXXX XXXXXXXX XXXX In Regards to my personal information without my consent this is against the law Under USC 15

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: CT

Complaint narrative:
My Wife niece which is XXXX XXXX was going to the XXXX  XXXX XXXX but needed a adult to sign a paper stating that she lived with me in the absence of her parents. 
Nothing was discussed with XXXX XXXX or the XXXX about anything Financial or I will cosign any loan. 
I have discussed with XXXX about me not cosigning any loan for her. 
XXXX assured me the me signing any document have nothing to do with any school loan. 
To my surprise I got documents from creditors stating that I owed money for cosigning loan for XXXX which the document have a wrong Social Security on it. 
I have no idea who submitted that cosign document with any of my information but I assure you it's not me. 
XXXX assured me that I'm not responsible for any cosign loan and I never sign any document pertaining to loan. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Date of burrow XX/XX/2017 Loan amount {$17000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
This is a follow up to complaint # XXXX. The original complaint was due Comenity Bank closing my credit card because " security concerns ''. I provided them with all requested documents showing my identity. They replied back, stating that after reviewing the information that they had " continued security concerns '' and was permanently closing my account. No explanation why they had " security concerns ''. I have now sent them a letter requesting an itemized list of their " security concerns ''. 
It seems odd that a month after I turned XXXX, that they close my account. Age discrimination??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The bank siezed money from my account by using their internal XXXX feature. I did not request, send or give any information to anyone to make the transfers. I work as a military security supervisor and do not click links or open emails from people I do not know. This is most likely an inside job from an employee script or high level network programmer within the company. I contacted the bank through the mechanism they require and it doesnt connect me with someone. The phone lines they provide dont work and the Ai just sends me in loops which dont connect me to anyone. Have you had other people complain about this because there must be others. This feels like a larger scale operation and its putting people at high risk. What should I do?

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 2023-03-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, TRANSUNION ) And all secondary Credit agencies.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( EQUIFAX, XXXX, XXXX ) And all secondary Credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, EXPERIAN, XXXX ) And all secondary Credit agencies.

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 2023-03-16 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: FL

Complaint narrative:
My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX  account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.

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 2023-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.

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 2023-03-16 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: FL

Complaint narrative:
My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached Equifax data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

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 non-monetary relief