vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed the account with all credit agencies ( XXXX, Experian, and XXXX ). Each agency has found that it was not my debt and removed it. Then it pops up on my credit a few months later under a different debt collector. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my requests have gone unanswered as to why they still allow the debt to be placed on my credit again under a different debt collector after successfully removing it. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) XXXX XXXX, XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. this is fraudulent. It is reporting as Account details Account Number XXXX Date Opened XXXX XXXXXXXX XXXX  Last Activity XX/XX/year> Original Creditor XXXX XXXX Monthly Payment {$580.00} Term Source Type Calculated Current Rating Collection/Charge-off Status Open Type Individual High Balance {$580.00} Unpaid Balance {$580.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Account details No History Is Available Collection agency XXXX Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am deeply concerned about the existence of a derogatory rating on my account and the potential impact it may have on my credit. This negative rating has already resulted in the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress this has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On my credit report is a collection from a company called FCO. I have never heard of them. Nor do I believe this debt is accurate. I looked FCO up online and found their contact info. Referencing the FTCs website, wrote them a debt validation letter. My letter refers to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). It specifically asks FCO what the debt is for, how FCO calculated the debt, proof of any document with my signature, proof the statute of limitations has not expired, and proof FCO is licensed to collect this from me. In the attached letter, they responded with a vague response, a balance, and a statement saying I owe the debt. They provided no contract and/or proof that this debt is mine! Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for a debt FCO can not legally prove is mine.

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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Due to travel lockdowns during Covid-19 govt-imposed closure of cruise lines, airlines, countries closed, tours cancelled, etc..XXXX XXXX XXXX went for 2.5 years w no income, had to be XXXX XXXX  in XX/XX/2022, turned over and closed 11 credit accounts for collections ( with no way to pay the bills ), the stress was wrecking my health... had used all personal resources to pay bills for biz during pandemic. Had contacted all credit card companies to pro-actively address situation, only XXXX XXXX worked out payment program at zero percent interest for 36 months, which allowed me to pay off {$7000.00}. Have been dealing w each creditor as they serve me w court papers, negotiating repayment terms as I am able. 
Am receiving constant phone calls from " Portfolio Recovery? '' morning and evening... have calls coming in now on my cellfone, which I use for business. They keep asking me my date of birth? I do not give out personal information to unknown persons w accents calling from all different numbers, day and night. I ask them if they are calling to make XXXX XXXX, they say no. I inform them that they are reaching a business and not to call this number. They ignore this request and continue to harrass mr during my business hours. Am currently making payments to two other collection agents for XXXX and XXXX XXXX XXXX Delaware totalling {$320.00} a month. " Portfolio Recovery '' has not had the coutesy of even naming a debtor on whose behalf they are attempting to collect. I can not earn income to pay my debts if facing this kind of daily multi-call harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
My information was included in a data breach please delete reported accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Transunion, XXXX. Disputes were filed on numerous dates.

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 2024-08-21 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I made an online purchase from XXXX using my Citi credit card, totaling {$440.00}. The package was scheduled for delivery to my home at XXXX XXXX XXXX, XXXX, PA XXXX. 

When placing the order, I left specific instructions for the delivery to be made to the front porch, where the package would be hidden from plain view. Despite these instructions, the package was reported as delivered by the shipping company. 

On the day of delivery, my father and sister arrived at the house around XXXX XXXX, approximately XXXX minutes after the delivery time. They searched the front porch and surrounding areas but did not find the package. I contacted my sister at XXXX XXXX  to check if the package had been delivered, and she confirmed that it was not there. 

I immediately contacted XXXX to report the missing package. XXXX provided images and delivery status confirming that the package had been delivered to my address. However, despite this confirmation, I believe that the package was stolen after it was delivered and left unattended on my porch. 

As of today, I have not recovered the package, and I am unable to retrieve the items I purchased. I have attempted to dispute the charge with Citi, but the dispute was closed in favor of the merchant due to the delivery confirmation provided by XXXX. 

I am filing this police report to officially document the theft of my package and to provide this report as evidence in my ongoing efforts to resolve this matter with the involved parties.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Repeated recorded message : " This is XXXX XXXX calling form Harris and Harris Limited. '' I have asked them to stop. They requested payment for a debit I don't have. I told them to send me any outstanding invoices. They asked for additional private information from me which appears to be the same tactics of a hacker. They are unable to validate any information to establish who they are and what business they have with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX XXXXXXXX XXXX and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX, XXXXXXXX XXXX and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below. 

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance. 

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus. 

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

Complaint narrative:
This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX and Equifax failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below. 

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance. 

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus. 

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
XX/XX/XXXX : XXXX Case Closed. 

Tried to activate a gift card I received from a friend. I proceeded to : www.prepaidgiftbalance.com. Got an error message it can not be processed. Tried to call customer service # XXXX on the back of the gift card. The rep asked which state the card was purchased. I said I do not know since this was a gift card received from a friend who travels. She said she is unable to help me activate the card since I do not know which state the purchaser bought the gift card. I explained that it was a gift received and that I didn't purchase the gift card so I do not have this information. She reiterated that she couldn't help me. I called the number to get another agent who then asked me to go to the website above and fill out some info for users that are unbale to use card because the card was flagged for fraud. I tried to fill out the info with name, address etc but the site was not processing. He kept insisting I need to upload my drivers license or photo id to get a replacement card and the site will not let me upload any documents so he asked me to fax. I just want a new card or for the current card to be activated so I can use in store or online. 

Follow Up : XX/XX/XXXX : Received a letter from US bank. 
responded Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 

Follow Up : XX/XX/XXXX : Sent an email with Non-Expired government-issued ID with current address to company 's email '' XXXX ''. The company stated in said letter I will hear back within XXXX business days with next steps. Today is XX/XX/XXXX and I am yet to hear back from the company. I just want a replacement card so I can use in store or online.

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 2024-08-21 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH CASH APP AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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