vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
They are calling me and ask if Im XXXX XXXX as soon as I say yes they ask me if my birthday is XX/XX/year> instead of asking when my birthday is also they will ask is your social blah blah blah but the point is they are giving out my information not verifying because if I just answer yes to everything then they would tell me whatever but I have not said yes to everything because if they called the wrong number and that person said yes to everything and wrote down my information my identity could be stolen. They are not verifying they are giving out the information. All someone has to do is agree and write down all my info. I asked to talk to a supervisor of Portfolio recovery associates and XXXX  was the manager I spoke with and they said to verify they are allowed to give out the information such as asking if my birthday is XX/XX/XXXX I said no I should be the one verifying it. the question should be when is your birthday. This puts my identity at risk. And asking if this is my social security number and giving it out for me to say yes no it would be what is your social security number. They have called and done it like this multiple times. I told them do not call me send something in the mail. And they keep calling and giving out the information on the phone this is ridiculous. They can easily get someones identity stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I urge you to carefully review this complaint, as it was sent with genuine concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This is deeply troubling and has caused me significant XXXX XXXX XXXX, knowing my personal information is being misrepresented.

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 2025-01-09 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: MO

Complaint narrative:
My personal information has been compromised by Equifax data breach as well as XXXXXXXX XXXX XXXX XXXX Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the student loans are inaccurate and not reflecting the payments or correct balance. The XXXX XXXX XXXX was auto dealer fraud that I reported to the state of XXXX BBB and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB XXXX XXXX XXXX XXXX, XXXX regards to your recent communication regarding the debt claimed that I owe for a car loan associated with account number XXXX. After reviewing the information, I believe that this debt may be time-barred under Florida law XXXX 
According to my records, the last payment I made on this debt was in XX/XX/year>. As you may be aware, Florida has a statute of limitations of XXXX years for written contracts, including car loans. 
Given the time that has passed since the last payment, this debt may no longer be legally enforceable in court. 
Please provide verification of the following : XXXX. The date of the last payment made on the account. 
XXXX. The date the account was first considered delinquent. 
XXXX. Whether the statute of limitations has expired for this debt under Florida law. 
If this debt is time-barred, I am formally requesting that you cease all collection activities immediately. Any further attempts to collect this debt will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as the Florida Consumer Collection Practices Act ( XXXX ). 
Please also note that I dispute the debt as currently presented. In my recent communication, I did not recognize the validity of the dates or the claim, and I would like a full verification of the debt lin question. 
I look forward to receiving the requested information within XXXX days of the date of this letter. I also ask that you update my records accordingly and refrain from any further communication unless it is to provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Equifax reporting agency XXXX block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, and under account number XXXX, XXXX XXXXXXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/year> Bridge crest XXXX XXXX XXXX XXXX XXXX XXXX arizona XXXX Dispute Regarding Disclosure of Nonpublic Personal Information Dear Bridge Crest / XXXX " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My state taxes have been being garnished for years now for a car Ive never owned for years now. Ive just experienced the same issue with insurance being put in my name on vehicles Ive never owned. I dont even know the make and model because every time I reach out the call is disconnected or I I am put on hold for a long period of time. I never receive my state taxes due to this debt. They have obtained legal services and has begun garnishing my wages from my job now. Ive experience identity theft. I was advised by legal counsel to file a fraud report, obtain a police report and show proof of identity as well.

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 2025-01-09 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:
I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX  ACCOUNT NUMBER XXXX AND XXXX. XXXX XXXX ACCOUNT NUMBER 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 2025-01-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Account with late payments wrongly reported, the dates are not accurate and they exaggerated the number of days. 

ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Account with late payments wrongly reported, the dates are not accurate and they exaggerated the number of days. 

ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-09 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear Director XXXX, This letter is to formally file a complaint against XXXX, XXXX, and TransUnion, the XXXX  credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts. 
Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and XXXX on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA. 
Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted. 
Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear Director XXXX, This letter is to formally file a complaint against Equifax, XXXX, and XXXX, the XXXX  credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts. 
Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and Equifax on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA. 
Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted. 
Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/XXXX I lost my job, my wife and I had called into Huntington to inquire about our options so we didnt lose our house. The representative had told us about deferring our payments to the end of our loan, it would NOT make our account look past due or be reported past due and our payments would be paid again starting XX/XX/XXXX by us. We agreed to the terms. Now a year later we have called Huntington because they reported my account as past due every single month the payments were being deferred. We were told by multiple agents that the Huntington employee who handled our deferrral misreported and needed to adjust it on our credit. They gave us her personal work number. We called multiple times daily for weeks leaving voicemail after voicemail. She never once responded. So finally we signed up for XXXXXXXX XXXX Had a meeting with them and figured wed let them handle it. She finally sent us a letter in the mail saying shed adjust it. But she only adjusted ONE month!! She never adjusted XXXX. Weve tried reaching out to her again multiple times. She still will not return any contact to us.

Company response to consumer: Closed with non-monetary relief