vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Subject : Formal Dispute of Debt - Request for Validation and Removal Based on FCRA and FDCPA Violations Dear Portfolio Recovery Associates Dispute Department, I am writing in response to your recent communication regarding an account that you claim I owe : Account Number : XXXX Original Creditor : XXXX XXXX XXXX 
Current Creditor : Portfolio Recovery Associates , LLC Balance : {$600.00} First, let me be clear : I dispute the validity of this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of the debt in question. I expect your response to include all relevant documentation that proves the debt is accurate, valid, and legitimately owed. 

Your communication, dated XX/XX/year>, failed to provide sufficient documentation to support your claim. The information you provided contradicts my records, and I demand clarity. Please provide the following : Proof that Portfolio Recovery Associates is legally authorized to collect this debt. 
A copy of the original signed agreement between myself and XXXX XXXX XXXX. that created this obligation. 
A detailed account of how the balance of {$600.00} was calculated, including interest and fees. 
Furthermore, I have already filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) concerning issues with XXXX XXXXXXXX and Portfolio Recovery Associates. The complaint details are as follows : Complaint ID : XXXX Filed XX/XX/year> : Regarding attempts to collect debt not owed ( XXXX XXXX ). The case was closed after a company response. 
Complaint ID : XXXX Filed XX/XX/year> : Regarding credit reporting problems with XXXX XXXX XXXX XXXX . This case was closed and marked as a duplicate. 
Complaint ID : XXXX Filed XX/XX/year> : Concerning an issue with a companys investigation into credit reporting ( XXXX XXXX XXXX XXXX ). This case was closed after a company response. 
As you can see, these complaints demonstrate ongoing issues with inaccurate reporting and insufficient investigations by XXXX XXXX and associated entities, which are clear violations of the FCRAs requirement for accurate reporting across all credit bureaus. 

If you can not provide adequate validation of this debt within 30 days, I fully expect that this item will be removed from my credit report as mandated by law. If this issue is not resolved, I will pursue all available legal remedies under both the FCRA and FDCPA, including damages of up to {$1000.00} per violation. 

This letter serves as a formal request under the FCRA and FDCPA. I expect your response within the 30-day period as required by law. Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-26 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: AZ

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 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-26 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-25 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 the Fair credit reporting act Account # 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 explanation
Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-10-26 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: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-25 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.

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 2024-10-26 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: SC

Complaint narrative:
I'm worried about an unfamiliar inquiry on my credit report to which I didn't apply. I didn't authorize or give consent for this company to access my information, and I'm trying to understand how and why this occurred. It's causing me a lot of stress and anxiety.

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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased XXXX XXXX on XX/XX/XXXX for 3 years and turned it in on XX/XX/XXXX. Before I turned it in, they inspected the vehicle which happened when I was not at home. They did not find the user manual and the car charger which was actually in the car itself. The guy put that on the report and said if we turn in the charger and the manual when returning the car it will be fine, they will remove the note on missing parts and we dont have to pay anything. And, we returned everything with the car and the dealership where we returned even have a letter saying that they received it. However, the GM financial company keeps sending me invoice for {$1100.00} and even after multiple phone calls they are not resolving it. Now my credit is affected because of this. Please see the letter from the dealer attached that shows we returned the charger and manual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I contacted the company and requested that they provide me with a copy of the debt that they claim i owe and the responded with a letter stating that they verified the debt??!! How is that possible? What are they measuring this against?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-10-25 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash App kept {$170.00} from a gas purchase at a XXXX  gas station 2 days ago. On Wednesday XX/XX/year>. I get gas using this card 3-4 times a week and they have never kept my money. I never have kept an additional {$170.00} on this card until this day. If the required me to have {$170.00} everytime I got gas I would understand. But because I dont keep that much money they allow me to use the card without a {$170.00} deposit. On this day I stopped for gas on my way to pay a bill. The app says to call the business if you have a problem. I did that and they explained to me that they already charged me for the gas and released the {$170.00}. They also told me if I am missing {$170.00} its because of cash app. So I called cash app. They told me once again it was shell gas that was keeping my money. I then told them XXXX provided me with a receipt. Cash app representative then said they have permission to keep my money for 5 days. Its theft. They collect interest on my money. While Im being charged fees from other companies because they decided to steal from me. Them keeping my money was unexpected and has caused me to have late fees, reconnection fees and no money for 2 full days. They said they can keep it for 5 days. Like I said if they did it everytime I would xzbe expecting it and would have known better than to use the card for gas. They have managed to keep my money leaving me completely broke and its something that needs to be addressed since they dont do it everytime I get gas. If they are going to steal peoples money it needs to be consistent. People on a set amount of money can not afford cash app to steal their money even if its for 5 days. They allowed my data to be breached then stole my money and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CONTACTED XXXX XXXX TRANSUNION TO ADVISE THE FRAUDLENT ACCOUNTS ON MY CREDIT PROFILE. IVE CONTACTED THE COMPANIES AND HAVE NOT HEARD FROM TRANSUNION AND XXXX CLAIMS TO HAVE VERIFIED THE ACCOUNTS. WHERE ARE THE CONTRACTS AND AGREEMENTS .. WHAT METHOD WAS USED? I AM A VICTIM OF IDENTITY THEFT AND THEY ARE VIOLATING MY 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 non-monetary relief