vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
To my shock, I found incorrect accounts on my credit report this evening, and I have no idea how they ended up there. I check my report regularly, and everything was fine until now. I tried refreshing the page, thinking it might be an error, but nothing changed. Im really disappointed, and Im requesting a thorough review of the documents I submitted so I can feel reassured that this issue wont happen again.

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 2024-11-07 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress andXX/XX/XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-11-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XX/XX/year>

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 2024-11-07 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XX/XX/year>

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
As a XX/XX/XXXXXXXX individual, I have been relentlessly harassed by Portfolio Recovery Associates , LLC, whose fraudulent and illegal actions have severely damaged my financial, emotional, psychological, and physical well-being. Despite providing irrefutable evidence that the debts they are pursuing resulted from identity theft, including police reports, fraud alerts, and a frozen credit file, Portfolio Recovery Associates , LLC has continued to ignore this evidence and pursue baseless claims. Their aggressive debt collection tactics, has caused my credit score to plummet from XXXX in XXXX ofXX/XX/XXXX to the XXXX, leaving me financially vulnerable and unable to access essential financial services such as better rates on services. 
The constant stress of defending myself against these fraudulent claims has only worsened my XXXX and deteriorated my mental and physical health. The emotional toll of this harassment is profound, as their repeated disregard for my rights has left me in a state of emotional and financial devastation. The burden of trying to protect myself from this ongoing assault is overwhelming, and I fear for other vulnerable individuals who may not have the resources or capacity to defend themselves as I have attempted to do. I can not endure this any longer without immediate intervention. These vile baseless attacks have gone on long enough!

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Portfolio Recovery Associates, LLCs unlawful practices, cease all collection efforts, and hold them accountable for their blatant disregard for federal, constitutional, and state laws. The extent of the harm they have caused, both to me and to other vulnerable consumers, justifies the need for swift and decisive action. I can not afford it nor can I tolerate much more undue stress than these predatory debt collectors have already caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Searched my credit onXX/XX/XXXXand saw I had a delinquent capitol one card for over {$1500.00}. The information said the account was opened in XX/XX/XXXX. I did not open this account or approve of it. I called capital one and filed a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several credit inquiries that I did not approve of in my report and I feel violated.

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 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I opted for no-contract XXXX XXXX and XXXX service in XX/XX/year>. Since my current mobile service expires in XX/XX/year>, I thought I would wait to activate the service until then and only activate the internet for now. 

I am aware that companies can surprise charge you. To avoid this, I called an XXXX XXXX rep. I explained my situation, and the rep mentioned that a delay option was unavailable. However, they could close my account and reopen it in XXXX or whenever I need it without any issues or costs. 

I asked what if I get charged in the future, if not now, for doing this, and the rep mentioned that they could not see any fees linked to my account and that since I had never activated or used the mobile service, they could close it and assured me that I will not be charged now or in future. I asked them again to check with their colleagues to avoid any complications in the future, and they assured me that I would not be charged with any hidden/junk/surprise/activation fee. 

I cross-checked my account, and there was no fee or outstanding balance since I never used/activated the service. But I asked XXXX times in total that if there is a charge, I would rather not close it because I liked the plan. I am still using their Internet service. 

I approved closing my account since there was no charge. They closed my account and removed my credit card details. Later, on XXXX XXXX, I received an XXXX email that wrongfully said that my account was disconnected on XXXX XXXX due to non-payment of an outstanding bill of {$99.00} for my mobile account. I immediately called the XXXX XXXX dept and asked them for an explanation ; they mentioned that since I did not close my account within 14 days of opting for the service, I am being charged a fee. I told them that an Xfinity rep assured me I would not be charged, so I approved closing my account ; otherwise, I would have used the service and avoided the charge. I also asked them to investigate the earlier rep conversation and escalate it because of the false info they provided and misguided a customer willing to opt for their services. They said they would escalate it, and I should get a notification via email/call, but I never received anything from them again. 

Later, it was sent to Credence Resource Management LLC for collection, and they, in turn, reported this Credit Bureau, which I learned when I was planning to buy a car after someone hit my car. This action dropped my credit score by over XXXX points, blocking me from buying a car. Now, my family is without a car, opting for XXXX daily for a cost. 

I request that CFPB investigate this case, which is based on providing false information to existing customers and misguiding them to incur unwanted hidden/junk charges that have also affected customer 's credit score, intent to finance anything and life overall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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 formally request the blocking and deletion of unauthorized credit inquiries on my credit report due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681c-2 ( a ), I am entitled to have fraudulent inquiries removed from my credit report. 
Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : 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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
I have a solar system leasing from XXXX XXXX, XXXXThis solar system was not working before XX/XX/year>. I have called them and they came and checked it, and said should replace the failed Inverter by a new one. But, after I called them many time to fixed. They can not fix the problem. 
So I call the billing department and told them I will stop pay the bill until they fix the problem in XX/XX/year>. 
After XX/XX/year>, nobody come for repairing the system. 
XXXX went bankrupt in XX/XX/year>. 
After XX/XX/year>, nobody take care my solar system problem. 

Until now, the system is still not working. 

Now, XXXX XXXX XXXX, XXXX. asked SIMM Assoc. to collect the debt from me. SIMM ASSoc. is debt collector. 
I did not sign any agreement with XXXX XXXX XXXX, XXXX. It maybe take over XXXX business. 

Based on solar industry common sense, if the system was failed, the supply company should fix the problem as soon as possible. And if the system was no function for a long time, the supply company should pay the compensation to the customer. 

I hope XXXX XXXX can fix the solar system problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/year> I paid a settlement with XXXX XXXX for the amount of {$8100.00} in exchange for a complete deletion of all records from my credit report. They submitted this information to Equifax, XXXX, and XXXX shortly after. 
XXXX and XXXX honored their request, and promptly complied and removed the account from my records. 

Equifax has neglected to remove this account, and it still remains today. This has severely affected my ability to seek new credit. 

I have disputed this incorrect record several times with Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I am writing to formally dispute the above collection accounts that have appeared on my recent consumer report, obtained from Experian. The information in question pertains to accounts allegedly held by me with the listed creditors. 
I am disputing these accounts based on the following violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ) : Attached to this dispute I have my dispute letter, which clearly shows the accounts in dispute, along with all of the violations that were committed. I did not have enough space to type out all the violations here so all evidence is on the attached documents to this dispute

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
As a XXXX XXXX XXXXXXXX individual, I have been relentlessly harassed by Portfolio Recovery Associates , LLC, whose fraudulent and illegal actions have severely damaged my financial, emotional, psychological, and physical well-being. Despite providing irrefutable evidence that the debts they are pursuing resulted from identity theft, including police reports, fraud alerts, and a frozen credit file, Portfolio Recovery Associates , LLC has continued to ignore this evidence and pursue baseless claims. Their aggressive debt collection tactics, has caused my credit score to plummet from XXXX in XXXX of XXXX to the XXXX, leaving me financially vulnerable and unable to access essential financial services such as better rates on services. 
The constant stress of defending myself against these fraudulent claims has only worsened my XXXX and deteriorated my mental and physical health. The emotional toll of this harassment is profound, as their repeated disregard for my rights has left me in a state of emotional and financial devastation. The burden of trying to protect myself from this ongoing assault is overwhelming, and I fear for other vulnerable individuals who may not have the resources or capacity to defend themselves as I have attempted to do. I can not endure this any longer without immediate intervention. These vile baseless attacks have gone on long enough!

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Portfolio Recovery Associates, LLCs unlawful practices, cease all collection efforts, and hold them accountable for their blatant disregard for federal, constitutional, and state laws. The extent of the harm they have caused, both to me and to other vulnerable consumers, justifies the need for swift and decisive action. I can not afford it nor can I tolerate much more undue stress than these predatory debt collectors have already caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The PayPal Credit website advertised on their website under FAQs that I could open a PayPal Credit LOC to payoff another Credit Card or simply transfer to friends within PayPal. I could NOT transfer this LOC to my bank account, CC, paypal friends, or Paypal wallet. I sought support from customer service at PayPal Credit. They were unable to provide a solution even after escalating to Account Manager XXXX. Then I asked to file a formal complaint with their compliance department for running my credit for a falsely advertised product. They gave me a new phone number and said they could not help. I called the new number XXXX and spoke with a representative and they were also not able to help when I asked to file a formal complaint. She cold transferred me to another representative who denied being able to help and cold transferred me back to PayPal Credit 's customer support as if sending me into an endless circle that would in no way shape or form help me or allow me to file a formal complaint with either companies compliance departments. 

I also requested a chat transcript between XXXX and XXXX from XXXX minutes ago and Paypal Credit said I had already not filled out their survey and requested the chat transcript at that time and therefore it was not available anywhere. 

I ended THIS chat and filled out the survey and clicked submit survey and it closed the chat window again without a transcript. This is SUPER shady. They are trying to hide their own interactions with consumers to help avoid legitimate criticism.

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 2024-11-07 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Venmo has frozen my account for transferring from venmo to paypal. They froze it 7 times for the same action sending money from venmo to my paypal. I've done it several times before now thy are having me wait 6+ days to offer any help. I want to access my money for doctor appointment and can't. I am closing my account once I can transfer my money over to paypal. No information is different or has changed.

Company response to consumer: Closed with non-monetary relief