vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: PA

Complaint narrative:
On XX/XX/2022, there were several collection accounts disputed and deleted from my credit report and my debt and credit usage greatly decreased. However, Experian credit bureau investigated but did not update my credit score according to the improvement of 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX # XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
On XX/XX/2022, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # inquiry date/ name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX inquiry date/name XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX  XXXX XXXX  XXXX XXXX inquiry date/name XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
I was incapacitated due to XXXX  then while in hospital XXXX was discover. My XXXX credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to GC Services XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX  due XXXX.XXXX  stated they can not bring account back to them without GS services authorization to enroll in program and GS services will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been going back and forth with Experian in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with Experian to add the extra layers of protection to prevent fraudulent activity on my consumer report. Experian has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. Experian has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can Experian have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue Experian first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. I am requesting EXperian remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of Experian for fraud and crimes they comitting and the violation of the FCRA. Please delete : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account # XXXX. Please delete : 1XXXX XXXX XXXX XXXX- Inquiry dateXXXX 2. XXXX XXXX XXXX XXXX Inquiry DateXXXX 3. XXXX XXXXInquiry Date:XXXX 4.XXXX XXXX XXXX- Inquiry dateXXXX These are unauthorized please remove immediately and comply with FCRA which is also the rules Experian suppose to abide by XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Augusta Collection Agency, Inc.
State: TX

Complaint narrative:
I received a notification that I had two collections for a debit from Augusta Collection AGC on XXXX XX/XX/XXXX. One in the amount of {$97.00} for XXXX and one for {$63.00} from XXXX. I immediately called the company for clarification of debit. I was told that due to me living in the state of TEXAS the company could not contact me or send mail to let me know of the date. The company did not have a license to operate in the state of Texas. I was informed the debt was for utilities bill for the city of XXXX which I had not lived in since XXXX due to me being XXXX XXXX military and moving from the are. I owned a home but the home was being rented out to tenants. I have a legal agreement with all parties that includes they must pay all bills and be held responsible for them. I was told because I was the homeowner I had to pay. I also never signed a contract with the city of XXXX to transfer the bill back into my name ( which they require ). Regardless I was never informed of any debit that I owed. The phone call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2022, Midland Funding LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent Experian a notice that I wanted them to verify an account. On XX/XX/XXXX, they sent back a response saying that the account was verified. On XX/XX/XXXX, I sent Experian a notice asking which method they took to verify this information. On XX/XX/XXXX they sent back a response with contact information of the company. On XX/XX/XXXX, I sent a response asking why there were still inconsistencies within my credit report. The specific reason was that the date of last activity that they Experian was reporting was XX/XX/XXXX. XXXX was reporting this date as XX/XX/XXXX, and XXXX was reporting this date as XX/XX/XXXX. These are 3 completely different dates. 
Experian claims that they properly verified this information, so why are these dates still not matching up with one another. In addition to this unethical practice, their last dispute result explained they they " updated '' the account. The before and after dispute results are exactly the same, so there was no update like they claimed. This is costing me potentially thousands of dollars in interest due to reporting errors and unethical practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Ive asked numerous times for them to furnish proof of this debt all they are sending me as a statement a statement means nothing anyone can open an account and charge on it which would create a statement I need to know how the account was opened where the account was opened if I opened online I need the IP address of how the account was opened I need physical proof that this account is mine Ive tried to settle this account numerous times it is a six-year-old account that they purchase from XXXX XXXX they are refusing to settle the account for anything less than half Ive offered {$50.00} to get it off my credit report if this situation is not removed from my credit report I will be left with no other option but to seek legal counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2021, Resurgent Receivables LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have 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 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payactiv, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I tried to transfer money out of my PayActiv account into a different account at XXXX XXXX  XXXX. 

There is no way for me to access the funds on my debit card, other than through an ATM or by using the debt card at a retailer. PayActiv will not allow me to transfer money into another account I own, eventhough their website says I can transfer my money to any account I own. 

I tried to contact Customer Service on XX/XX/XXXX, and they were unable to resolve my problem and asked I send a video of what the PayActiv account looks for me so they could escalate to their team. I did, and its been over 2 weeks and I havent heard back from them. 

They are blocking me from accessing my funds and havent given me any solution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX XXXX debt amount {$930.00} XXXX XXXX XXXX XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX, XXXX debt amount {$930.00} XXXX XXXX XXXX  XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.

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