vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this deb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following unauthorized collection accounts from my credit report : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}

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 2024-11-11 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following accounts and inquiries, which have appeared on my credit report as a result of a data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items to safeguard my credit profile. 
Account : XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
On my credit report there is a charged off XXXX account with the account number XXXX. 
To : Credit Bureau Subject : Request for Verification Method and Documentation Under FCRA for Disputed XXXX Account number XXXX Dear Credit Bureau I am writing to formally request information regarding the verification process you used to determine that the disputed account on my credit report, which I assert is a result of identity theft, indeed belongs to me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you provide specific details of the verification process and documentation used to substantiate that this account is mine. 

To date, I have submitted a formal identity theft affidavit with my dispute, affirming that I did not open or authorize this account. Despite this, your response indicated that the item was verified as belonging to me. I am now requesting the following under my FCRA rights : Method of Verification : Please provide details on the specific method of verification you used, including any contacts made, the names of individuals consulted, dates, and times of communication, as well as any companies or entities involved in verifying this account. 

Documentation : I request copies of any documents or identification used to verify that this account belongs to me. This includes : Any signed applications or agreements associated with the account. 
Identification documents presented at the time of the account opening. 
Any correspondence from the entity claiming that this account is linked to my identity. 
Under the FCRA, specifically section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus are required to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' or delete the item from the file if it can not be verified. Your verification process must be thorough, particularly in cases of identity theft, and simply relying on automated systems such as e-OSCAR does not satisfy the reasonable investigation standard established by FCRA or case law ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX  ) ). 

If you are unable to provide documentation proving that I signed and authorized this account, I demand that this account be permanently removed from my credit report immediately. I expect a response within 30 days of receipt of this request.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is a charged off XXXX  account with the account number XXXX. 
To : Credit Bureau Subject : Request for Verification Method and Documentation Under FCRA for Disputed XXXX  Account number XXXX  Dear Credit Bureau I am writing to formally request information regarding the verification process you used to determine that the disputed account on my credit report, which I assert is a result of identity theft, indeed belongs to me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you provide specific details of the verification process and documentation used to substantiate that this account is mine. 

To date, I have submitted a formal identity theft affidavit with my dispute, affirming that I did not open or authorize this account. Despite this, your response indicated that the item was verified as belonging to me. I am now requesting the following under my FCRA rights : Method of Verification : Please provide details on the specific method of verification you used, including any contacts made, the names of individuals consulted, dates, and times of communication, as well as any companies or entities involved in verifying this account. 

Documentation : I request copies of any documents or identification used to verify that this account belongs to me. This includes : Any signed applications or agreements associated with the account. 
Identification documents presented at the time of the account opening. 
Any correspondence from the entity claiming that this account is linked to my identity. 
Under the FCRA, specifically section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus are required to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' or delete the item from the file if it can not be verified. Your verification process must be thorough, particularly in cases of identity theft, and simply relying on automated systems such as e-OSCAR does not satisfy the reasonable investigation standard established by FCRA or case law ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ). 

If you are unable to provide documentation proving that I signed and authorized this account, I demand that this account be permanently removed from my credit report immediately. I expect a response within 30 days of receipt of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have attempted to contact Experian many times and each time my access to a human has been blocked by their automated system. 

I was able to get to a person twice. Once approximately two weeks ago, where the person said that they needed to delete my account and re-setup my access. He said I would need to contact them again in a few days to complete the process, as I would not be able to bypass the checks on my own. 

I called again today ( XXXX ) to complete the process. After a few attempts with the automated system, I somehow got to a person. They indicated that due to a failed verification, they could not help and that I should check my credit report to ensure that the information was correct. I indicated I could not get this information from their site and they referred me to annualcreditreport.com. When I tried to get my Experian credit report from that site, it indicated there was an error and I needed to call Experian. When I contacted Experian again, I could not get to a person despite numerous calls and verifications with the automated system. 

The company has made it effectively impossible for a person to contact them. There are no forms that can be submitted online, no phone numbers that don't go to an automated system and no email addresses to use. It has made it impossible for me to manage my account and services with this company.

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 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. 

You must immediately remove these disputed late payments from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MS

Complaint narrative:
I have repeatedly disputed inaccurate information to TransUnion about the XXXX bank reporting on my credit report. I paid the account off in XX/XX/year> and have said that when I disputed it through transunion several times. Ig stills shows open and delinquent. XXXX the account shows the account as paid and closed and XXXX deleted the account once I disputed the information because they found my dispute accurate. I have reached out to transunion and they refused to help with account.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Reporting late payment on my credit report violating 15 usc 1666b 15 usc 1681a ( 2 ) and 15 usc 6802. Did not allow me to use and did not explain the credits that was created from the promissory note to offset the debt. Collected unearned interest. Did not explain gaap accounting in the consumer transaction. Its securities fraud being committed with the promissory note that i signed. Lack of full disclosure. Did not receive proper consideration.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Reporting late payment on my credit report violating 15 usc 1666b 15 usc 1681a ( 2 ) and 15 usc 6802. Did not allow me to use and did not explain the credits that was created from the promissory note to offset the debt. Collected unearned interest. Did not explain gaap accounting in the consumer transaction. Its securities fraud being committed with the promissory note that i signed. Lack of full disclosure. Did not receive proper consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
Reporting late payment on my credit report violating 15 usc 1666b 15 usc 1681a ( 2 ) and 15 usc 6802. Did not allow me to use and did not explain the credits that was created from the promissory note to offset the debt. Collected unearned interest. Did not explain gaap accounting in the consumer transaction. Its securities fraud being committed with the promissory note that i signed. Lack of full disclosure. Did not receive proper consideration.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received a welcome message from Venmo to my email address that I use for my Apple account. 
I do not have a Venmo account used for my apple account for my email address at XXXX, yet I received an email on XX/XX/year> at XXXX XXXX  to welcome me to Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: MI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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