vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
On XX/XX/23 I received an alert from XXXX that a major derogatory mark had been made on my credit report with XXXX by Central Portfolio Control for an account I was not aware of. After checking the other two bureaus, I saw that the same mark had been made on my XXXX report as well. I have not received any contact by this debt collection agency by phone, email, or mail with regard to an outstanding debt. It is my understanding that before a debt collector can report a debt to a credit reporting company, the debt collector has to either speak with me in person or over the phone about the debt, mail me a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send me an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. I have not received any such communication, and yet the debt has been reported to two major credit bureaus and negatively impacted my credit score. I was not provided any information about what the debt is, verification that it belongs to me and hasn't been paid off, or info on how to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX with in approximately 2 weeks. My " XXXX '' FICA score is " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX within approximately 2 weeks. My " XXXX '' FICA score is : " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " Equifax '' and they STILL have NOT mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX. Instead, " Equifax '' mailed me a letter dated " XX/XX/2023 '' to my home address located at : XXXX XXXX XXXX ; XXXX, California ; XXXX instructing me to mail back to " Equifax '' a " copy of my current/valid California driver 's license '' that has my XXXX XXXX XXXX XXXX XXXX CA ; XXXX as my legal California address . And I did so along with my latest " pay stub '' that only listed my " last 4 digits '' of my Social Security Number ( per " Equifax '' additional request ) and I mailed back those 2 requested items back to " Equifax '' the following day. And I STILL have NOT received my " Free '' annual credit report from " Equifax ''!!! But yesterday ( XX/XX/2023 ) I did receive the EXACT SAME LETTER from " Equifax '' ( this one dated " XX/XX/2023 '' ) requesting the SAME TWO items that I had previously mailed to " Equifax ''!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My brother informed me that he was contacted and harassed by a debt collector. Then I had an other debt collector sending letter for the same reasons. Two debts are contacting for the same reasons. It it overwhelmed with this situation. It is old debts and it is expired a long time ago, but I am still being harasser with phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX, to Equifax notifying them that I had 2 inquiries on my report that I did not authorize or recognize and requested them to be removed. ( XXXX dated XX/XX/XXXX and XX/XX/XXXX ) I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

On XX/XX/XXXX, I called Equifax customer service to advise them again that I still had the unauthorized inquiries on my report and was told by the representative, XXXX, that I would need to contact the creditor directly and have the contact Equifax to have the inquiries removed. I explained that I did contact them and was redirect back to the credit agency. He stated that he could be put fraud alert on my report and I told him that the only thing I needed was the inquiries removed from my report. On or about XX/XX/XXXX, I received a postcard in the mail notifying me that a fraud alert had been placed on my account. That was not authorized by me! 

On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX to Equifax, again requesting deletion of the unauthorized inquiries. I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

I have done my part to notify Equifax and make them aware of the incorrect information but, they have made no attempts to correct it. 

15 Code USC 1681i states that if I notify the agency of a dispute, they must do reasonable investigation to determine if the information is inaccurate and delete if it can not be verified. If the creditor had no information and redirected me to the credit agency, how were they able to verify and determine the information to be factual?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Affirm Holdings, Inc
State: OR

Complaint narrative:
Affirm is a lending company that issued a loan for a motorized scooter to someone that was impersonating me. The loan was given to someone that had my SS # and had an old name before I was married, over 10 years ago and an old address that I have not lived at for over 14 years. It appears they didn't do a credit check or verify any information before lending this person $ XXXX. I have been trying to resolve for 2 months now and they told me yesterday that the I am still responsible for the loan. I filed a police report and re-filed my dispute. I do not understand how I can be on the hook for something they should have done. If they would have pulled credit they would see I have my credit frozen so when someone tries to get a credit card, loan w/ my ss # I am alerted and then can verify or decline the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The Portfolio recovery debt collection is sending mail they will take legal action again me they continue to call me harassing me I have trued to dispute inaccurate balances with no luck. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX 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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received a Venmo credit card through synchrony bank .card was never used by me, but three large charges were placed on the card when I called to check the balance.

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 monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that Jefferson Capital Systems. I request that you provide the original documents for this information containing my appended signature and any other related information.

I am filing this complaint because I have never had any affliction with this company. I have never had phone service and I have been on my parents phone account since Ive had a phone. This account is hindering my credit score tremendously and it is very unfortunate because I have been trying to get it off my credit report for awhile now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XX/XX/2022 company Fidelity creditor services amount-XXXX request for company to remove this item i am writing to request a item to be removed of the following company list on my XXXX  consumer report. I have no knowledge of this item i'm a victim of identity theft i have place a credit alert on my consumer report to prevent this from happening. i have not received any verification of debt. nor is is this a promise to pay and is not a payment agreement unless you provide a response of verification i am asking for the following negative item be removed as it is preventing me from housing, and employment i will also extent my fraud alert on my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-30 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: CA

Complaint narrative:
XX/XX/2023 at XXXXXXXX XXXX I called Transunion and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I went in to a pnc branch to apply for a business credit card for my business. I have excellent business credit and my personal credit score is XXXX on XXXX. I meet the criteria for a business credit card and I also have others with other institutions. 

However I got a call today from a banker saying I was declined due to 4 reasons 1. Too high balances on existing accounts 2. No recent loans 3. Not long enough credit history/ profile 4. Dont remember 4th reason But all of the reasons are invalid or incorrect I just paid off a bank loan in full a couple months prior. Which my credit report shows that account was closed and paid as agreed, I have a long credit history XXXX  years. I have XXXX auto loans on my credit profile thats paid in full. 
Majority of all my credit cards balances are paid down to {$0.00} balances, and or I only owe a few XXXX dollars on credit cards with very high credit limits. 

I feel Im being targeted being a minority woman and business owner. I meet the qualifications for these financial products yet Im being denied. And I cant seem to think of no other logical reason, being that I have excellent credit rating on my personal and my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing concerning inaccurate negative reporting on my Experian credit report for a credit builder account I had with XXXX XXXX XXXX. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with XXXX. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with XXXX was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with XXXX, or any other institution. I do not owe a balance to XXXX that I never used. 

I have attempted to dispute this account with XXXX XXXX XXXX and Experian and have reached no resolution with either 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 2023-03-30 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX 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 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 2023-03-30 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX 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 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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I the consumer and natural person was denied a job by First Advantage when I applied for XXXX XXXX Employment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by this company due to the response I received. This is discrimination, because I applied in good faith to grow with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I deposited it check for XXXX on XX/XX/23. I was told it would be on hold until XX/XX/23. The funds were released to my account and then taken back with a new release date of XX/XX/23. I am depending on this money for bills and now Im totally upset as I am about to lose my power and place to stay.

Company response to consumer: Closed with explanation