vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a letter from Portfolio Recovery Associates LLC on XX/XX/XXXX for an account from XXXX XXXX XXXX  that they said I owed from XX/XX/XXXX and I do NOT even owe. It is not my debt.y debt. Then, I received a a different letter from XXXX XXXX on XX/XX/XXXX stating that " We are trying to collect a debt that you owe to Portfolio Recovery Associates , LLC ''. I believe that Portfolio Recovery Associates has been under scrutiny for trying to collect debts that have expired under the Statue of Limitations. On XX/XX/XXXX CFPB filed a complaint against Portfolio Recovery Associates for violating the 2015 Order, the CFPA, the FDCPA, and the FCRA.. They stated that Portfolio familed to timely resolve disputes submitted by consumers, properly respond to disputes they deemed frivolous, conduct reasonable investigations of consumers disputes, etc. They also were suing to collect time barred debt. The order required Portfolio Recovery Associatiates to pay a {$12.00} million in redress to harmed consumers and a {$12.00} million civil money penalty. It also imposes broad injunctive relief designed to prevent Portfolio from violating the law in the future. This letter to me from Portfolio and now it appears they sold the account to XXXX XXXX is way past the stature of limitations. XXXX says they " are trying to collect this debt for Portfolio Recovery Associates LLC ''. I am not sure if they are working for Portfolio or if they purchased the debt from Portfolio Recovery. Either way, Portfolio is still doing illegal collecting practices along with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6400.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$450.00}, and XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1500.00}. I already submitted a dispute to XXXX and XXXX regarding these accounts, and they have already removed them from their records. They found an error and were able to verify it. I'm confused how you've verified these accounts while the other bureaus have already removed them. Please delete these accounts from my file. They are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-03 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$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 2024-01-03 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX and Transunion are not employing procedures to assure the accuracy of the consumer report pursuant to 15 USC 1681 ( a ). Nor are they complying with the federal the federal laws that govern them, I Recent viewed both of My full reports from XXXX and Transunion, it shows that both agencies are reporting inaccurate information that adversely affecting my rights liberties and pursuit of happiness. Transunion is reporting {$15000.00}. for XXXX XXXX account, and XXXX is reporting {$14000.00}. for XXXX XXXX. Both of them fall under 15 USC 1681 ( e ) ( b ) accuracy of report, Also reporting transactions between the consumer and XXXX XXXX is not a permissible purpose according to 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ) and should be excluded from the consumers report. According to 15 USC 1681 ( b ) ( 2 ) permissible purposes a consumer reporting agency may furnish a report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. This is actual and constructive notice that you are no longer authorized to report this inaccurate information to my consumer report. This Inaccuracy in The reporting from bout agency has affected me in a negative way. I've been denied for products and services based of the in accurate information that is displayed on both platforms.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXXXXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-01-03 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/2022, I sent Capital One several endorsed bills to accounts XXXX and XXXX. I sent XXXX more endorsed bills in XXXX and XXXX. Per the card agreement, Capital One does accept restrictive endorsements. Capital One took adverse action against me by closing every account down, and they never updated the account information even though they have received several endorsed bills paying the amount in full. The Bill Of Exchange Act gives me the right to endorse all bills. Capital One is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I asked my mother to make a payment to my credit card. My mom used Chase bank in XXXX XXXX ATM to make the payment with cash. Upon completing the transaction, she received a receipt saying that there was a problem with the deposit. Right away she went inside the bank and they informed her that they had the problem with the same ATM day before. ( Note : they failed to put up a sign that the ATM wasnt working. The sign was put up after that transaction and he still up until this day. ) we called the bank right away and provided all the information from that receipt and they told me that they will do an investigation and deposit the money into my credit card. The provisional credit was given however, the transaction was reversed couple days later, which resulted a negative amount on my credit card. The bank and they informed me that they had received a request to cancel that investigation. ( which was not done by me. ) in addition, they said that they would need the details again in order to reopen the investigation however, since the transaction was completed, I got rid of that paper so my mother went to the same branch today and spoke to the branch manager and she informed her that they have no control over ATM transactions. Im wondering when they ATM has collected the funds and they were over {$500.00} and I asked that to the branch manager and she confirmed that they shouldve reported that However, nobodys bothering to do anything. I do not have extra {$500.00} to waste

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2024-01-03 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:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.

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 2024-01-03 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: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.

Company response to consumer: Closed with non-monetary relief