vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery LLC purchased these debts from the original creditors. I have repeatedly requested that Portfolio Recovery LLC provide the original opening dates for these accounts, but they have consistently refused to do so. Instead, they continue to report incorrect dates to the credit reporting agencies. Despite multiple requests to correct these inaccuracies, their responses lack the specific information I requested. Instead, they issue generic statements claiming they are committed to accurate reporting, without addressing or resolving the actual issue.

If Portfolio Recovery LLC claims that the accounts were opened on the reported dates, I request that they provide verifiable proof of account activity demonstrating that the debts accrued after those reported opening dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-08 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-08 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:
I am filing this complaint against Equifax, XXXX, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/2024, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To whom it may concern, I rented a vehicle from XXXXXXXX XXXX XXXX Through XXXX, a third-party purchasing with Navy Federal Credit Card XXXX XXXX XXXX through XX/XX/year>, totaling {$2900.00}. I notified the companies of dispute of charges being unaware that XXXX took payment and then put on hold without charging card. The credit card balances are only {$2000.00} having the money on card every time extended vehicle for rental. There was no disclosure that card will be charge at end of vehicle return leaving my credit card with negative balance and over payment. A dispute with both parties were filed. I also transferred funds to credit card every time extended of rental which will show on billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am the victim of the XXXX XXXX XXXX, I just became aware of this and have recently noticed errors and an Increase of collection activates from several creditors asking for my personal information via Telephone, Account errors reported on my credit report including addresses that I have never occupied. Portfolio Recovery Is the worst one calling repeatedly asking for personal information that I am not willing to discuss with anyone over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: OH

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were created without my authorization, and I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: OH

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were created without my authorization, and I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-08 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: Larry H. Miller Group of Companies
State: TN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. The inquiry in question is dated XX/XX/year> and was made by XXXX XXXXXXXX VIA DEALER. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit report can only be pulled for specific permissible purposes, such as with my consent or for certain credit-related transactions. I did not authorize or provide consent for this credit inquiry to be made. Therefore, this inquiry is in violation of my rights under the FCRA.

1. Unauthorized Inquiry and Request for Removal The unauthorized inquiry in question must be removed from my credit report immediately. Under 15 U.S.C. 1681b, it is a violation for a credit report to be accessed without the consumer 's consent for an impermissible purpose. I request that you investigate this matter and remove the unauthorized inquiry from my report in accordance with the law.

2. Damages and Penalties In addition to the removal of the unauthorized inquiry, I am requesting {$1000.00} in damages under the provisions of the FCRA. Specifically, 15 U.S.C. 1681n provides for statutory damages for willful violations of the FCRA, which includes the unauthorized access of a consumers credit report. In accordance with this provision, I am entitled to receive damages for any harm caused by this violation, including the {$1000.00} statutory damages allowed for willful noncompliance.

Further, under 15 U.S.C. 1681o, I am entitled to actual damages if it is found that the inquiry was not only unauthorized but also caused harm to my creditworthiness, and any additional penalties for reckless disregard of the FCRA.

3. Request for Written Response Please provide a written response within 30 days of receiving this letter confirming that the unauthorized inquiry has been removed from my credit report, and that the necessary action has been taken to address this violation of the FCRA. Additionally, please provide any documentation of the investigation and corrective actions taken regarding this matter. 

Should I not receive a satisfactory response or compensation within the required timeframe, I will pursue further legal actions to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
XXXX Credit Reporting Agency is in violation of 15 USC 1681 ( n ) Civil Liability for willful noncompliance. I've submitted several disputes to permanently remove medical debt reported by Design Receivable Solution a third party company of violating the California State Law SB 1061 of reporting medical debt to credit reporting agencies as well as holding Credit Reporting Agency accountable for reporting medical debt. In addition to this complaint Design Receivable Solution disclosed my personal information in a breach which adversely compromised ALL my personal data including my medical data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following account be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
The service at XXXX XXXX XXXX on XX/XX/year> was already paid. 
The amount of the service was {$280.00} I paid {$170.00} on my credit card on XX/XX/year> My insurance company paid XXXX on XX/XX/year> In total we overpaid {$1.00} which they owe me. 

I called XXXX at XXXX XXXX XXXX on XX/XX/year> to correct this mistake. 
She said she will take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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 formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove this information resulting from identity theft upon receipt of my request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mortgage representative for Mr Cooper, XXXX XXXX XXXX made rude and disparaging comments towards myself. Was very hostile over the phone in regards to my XXXX XXXXXXXX and refinance application. Denied me due process to look into other options. Stated he will terminate and deny my application if I didn't give him an answer over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter from Midland Credit Management , Inc., attempting to collect a debt. On XX/XX/year>, I responded with a Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the debt, including documentation of its validity, details of the original creditor, and proof of ownership of the debt.

I received no response to my request for validation within the legally required 30-day timeframe. Instead, Midland Credit Management , Inc. continued their collection attempts, including contacting me via email on XX/XX/year>, XXXX, despite my explicit request for all communication to be conducted in writing via USPS mail. 
The failure to validate the debt within the required timeframe and their continued collection attempts are violations of federal law, including : 1. 15 U.S.C. 1692g : Failure to validate the debt.

2. 15 U.S.C. 1692g ( b ) : Continuing collection activity on a disputed debt.

In addition, their email communication disregarded my written request for USPS correspondence only, further violating my rights. 
The letter they sent also imposed an improper deadline of XX/XX/year>, which did not allow the 30 days to dispute the debt, as guaranteed by federal law. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and ensure Midland Credit Management , Inc. complies with the FDCPA by ceasing all collection activities until proper validation of the debt is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IA

Complaint narrative:
A charge was made on my card from XXXX. I have not purchased anything from them. I asked chime to investigate this in which they did not. I was told that basically it is my fault that someone charged my card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - Balance : {$17.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$17.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX  - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX I was informed that an airline schedule change had occurred, which appeared normal to me. When I realized that due to a schedule change, my seats might need to be selected again I went to the airline portal but the itinerary was messed up and the airline asked me to contact my travel agent ( capital one ). Upon contacting they helped me with details. I had 2 problems, 1 ) Why was the itinerary messed up and 2 ) Aircraft change from XXXX to XXXX. I requested for an upgrade. On XX/XX/XXXX I received an email from Capital One ( " Your flight details have changed '' ) which I will attach. According to this email, the XXXX segment of the flight is upgraded to first class. Given this official confirmation, I expect to travel on this itinerary but airlines still have my seat not upgraded. Since this is a problem for Capital One, I do not care how they fix it but I expect to travel based on the class mentioned in the confirmation email ( latest ). If they need to cover additional charges, they would have to as a particular travel itinerary has been confirmed to me, and I expect that to be honored. I do not expect to be charged extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
they contacted me to go into their fin mgmt pgm lower inst no fees cant do it on line or over the phn keep getting tech problems doing both

Company response to consumer: Closed with explanation