vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2022 Greetings : During the first week of XX/XX/2022 Citizen Bank telephoned me. Citizen Bank mention my debitcard had been compromised. 

This was a recording. I didnt follow though by pushing buttons. In turn I called Citizen Bank to speak with a representative. 

At that time a representative mention charges to XXXX, XXXX, XXXX, XXXX, XXXX. I denied the purchases, and Later I called Citizen recalling. The XXXX this is my purchase. 

The representative refiled a second claim. Next I receive a letter saying there was no fraud. 

These circled purchases arent mind. 
My debit card has never be out of my possession. 

The only person that knows my pin is only know to me XXXX XXXX. 

I went to Citizen XXXX 2022 and receive a new debit card with same pin. Lastly I have been a client in XXXX XXXX 

In addition as child until theyre new names XXXX XXXX  XXXX and now Citizen Bank XXXX 

I hope keep my relationship with them. Please dont allow Citizen Bank to take my hard earn labor. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. These two accounts were listed without my knowledge, permission. Both accounts are closed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$8400.00}

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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX XXXX  loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX XXXX  that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX XXXX  or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

U S DEPT OF EDXXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I Paid this account off on XX/XX/XXXXhe amount was XXXX my credit score was XXXX on XX/XX/XXXXonce my account was updated on XX/XX/XXXXMy score decreased to XXXX  I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My XXXX  account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/ it was XXXX  ) on XX/XX/XXXX  and in XX/XX/XXXX  THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT XXXX PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM XXXX THEY DECREASED MY CREDIT REPORT FOR NO REASON

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
The Federal Law is quite clear about requirements imposed on Debt Collectors. 
15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies. 
Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights. 
I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. 
There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right. 
15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. 

I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request. 
Yours Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm has blocked access to my account on their app for no reason. I am unable to use their service to pay. In contacting customer service, they refuse to give me a reason as to why my account is blocked. Under Federal Law, a creditor is required to give specific reasons as to why credit is denied, and information on the credit bureau they used to come to their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days. 
The company has not given proof of validation, and regardless, they have reported this to my credit. 
This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to. 
LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit. 
This account was a charge off in 2019. 
The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies. 
Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have two fraudulent accounts that are someone using my identity to open up these accounts. 


XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX  - {$100.00} 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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX is saying I owe him {$10000.00} in back rent from XX/XX/XXXX to XX/XX/XXXX for a property that he lost due to false leasing and the property has been on the News from him getting money from XXXX and not using it to fix up the property since Storm Ida which took place XX/XX/XXXX. The property has been placed as blighted and is marked as unlivable. How do I owe him rent for a place that's unlivable and is a blighted. 
XXXX XXXX XXXX was on the XXXX XXXX XX/XX/XXXX and when I contacted the credit agent he went through that's the same day he filed with them. Not to mention ALL his proptery is in XXXX XXXX Louisiana and he got his credit agents called ProCollect out of XXXX Texas where they don't know anything about him or what he's been labeled as in the state of Louisiana, '' Slum XXXX. '' He has abused his authority on many people not just 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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

U S DEPT OF EDXXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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.

U S DEPT OF EDXXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
My medical records were sold to a credit company that I did not receive medical treatment from. Im not sure who these people are but Im pretty sure its against the law. I dont want them to have my information. I would like them to destroy the debt as well as anything they have with my name on it, or any of my personal information.

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