vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NJ

Complaint narrative:
This account was opened by me an closed 10 minutes later because i felt it was a scam. I never ordered or received any goods, but it still reports bad information on my credit report and has also sold debt to XXXX funding, who reports saying i owe late payments of {$32.00}. This information is hurting my credit score, please delete.

I contacted this lender twice, and got no answer, instead XXXX mailed me a letter saying i owed {$32.00} but gave no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have an entry on my credit report from XXXX XXXX XXXX  saying I have a collection account for {$230.00} on my Experian report. I called and spoke with XXXX and XXXX XXXX XXXX unable to find an account for me. I have not gotten any written notices of this debt I don't even know what this is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
XXXX XXXX XXXX ADDED THIS FRAUD ACCOUNT ON MY CREDIT AND SHALL DELETE BY LAW. 

THIS COLLECTION FRAUD ACCOUNT NUMBER IS XXXX WAS OPENED WITHOUT MY KNOWLEDGE AND HAVE A BALANCE OF {$170.00}

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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
dont recognize items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AR

Complaint narrative:
Re : Formal Complaint Against XXXX, XXXX, and Equifax Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with XXXX and the credit reporting agencies ( XXXX and Equifax ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, XXXX, XXXX, and Equifax have failed to comply with this requirement. 
The CFPB should investigate and fine XXXX, XXXX, or Equifax if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to XXXX  - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : Equifax Dispute Results Confirmation # XXXX - Page XXXX : XXXX Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Re : Formal Complaint Against XXXX, Experian, and XXXX Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with XXXX and the credit reporting agencies ( Experian and XXXX ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over 7 years old. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, XXXX, Experian, and XXXX have failed to comply with this requirement. 
The CFPB should investigate and fine XXXX, Experian, or XXXX if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX Dispute Results Confirmation # XXXX - Page XXXX : XXXX Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, 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 explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AL

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XX/XX/year> I tried to access my XXXX. It is with Optum Bank. I was on the phone with their XXXX-XXXX  " customer service '' for nearly an hour. After repeating myself several times, I finally got a " supervisor '' who asked the same XXXX  questions, even after I told him repeatedly the answers. He was going to send me an email to access my account, but " his back-office was down ''. My login and my password is saved in my computer, but the next screen is a VAGUE challenge question that I have never seen. REPEATEDLY TOLD BOTH " CUSTOMER SERVICE '' REPS THIS. 

Now after reading hundreds of horrible reviews on line, I find out that they are likely charging me a service fee each month on an account I can't even access. 

Your next page asks for an account number ( on a billing statement ). I HAVE NEVER RECEIVED A BILLING STATEMENT!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I in fact paid on time. I also requested the original signed contract and a itemized bill and I was not provided that information the consumer reporting agencies are required to report all information with complete accuracy I am now requesting you to investigate and show verifiable proof with records that show ive had late payments and if I owe this company if this information cant be verified Im demanding you to take this information off my credit report as closed thank you for your understanding and prompt actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: VA

Complaint narrative:
Account name XXXX XXXXXXXX XXXX Account number XXXX Delete this account for violation and inaccuracy because late payments do NOT match what Experian, XXXX and XXXX have XXXX XXXX XXXX  XX/XX/2018, XX/XX/2018, XX/XX/2018 XX/XX/2018. Please provide new credit report once account has been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called and let them know they told me that they don't have an account under my name so therefore they are unable to remove the inquire. I also told them that I notice unauthorized inquiries on your report, or you noticed someone apply for something in your name. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. Nothing has happened so I have filed an FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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