vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I contacted the debit collector in order to resolve the debt, I asked if I could do a pay for deletion, I was told yes. Once I made the payment to them everything changed, i called back to verify that the debt would be removed from credit report, I was told that the company does not offer that as an option. I informed them that, that was the reason for paying it and that I was lead to believe something different.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 

Thanks 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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX Based on my review of my credit file, I have observed that Navy Federal has placed a collection on my account. I request that this file be promptly removed from my credit record. 
















XX/XX/XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX 0 % {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NC

Complaint narrative:
Recently, after reviewing my Experian credit report, I discovered discrepancies. XXXX XXXX is eporting two unauthorized erroneous accounts and Experian is allowing the company to do it with adequate proof and permissible purpose. I have repeatedly requested Experian and XXXX XXXX to provide proof of authorization to obtain my reports, authorize transaction under my personal information, and also wet ink signature application, including proof of my identity. Still to this day, I have not received anything but a letter, claiming verified. I want to know how Experian proved the frivolous accounts belong to me legally and it is a credit transaction. I have never given authorization for the two frivolous accounts that is showing on my Experian report. I have never given XXXX XXXX consent or permissible purpose to report anything. The fraudulent activity have impacted my credit report and financial standing, causing me XXXX. I expect this matter to be resolved expediciously, or I will hire attorney.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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 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 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX wired money to chase bank. It was determined to be a fraudulent transaction XXXX XXXX XXXX tried to have chase return the wire but they did not. Chase never communicated back to XXXX XXXX XXXX. I have all the information including the account numbers that it was sent to. And the bank it was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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 WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I dont have a PNC account and got this. Its a scam. : PNC-AIerts : New Payee Added to the account. If this was not initiated by you, please fix it at XXXX XXXX XXXXpnc.com before account suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NV

Complaint narrative:
RE : Dispute of 30 day late payment Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account Name : XXXX XXXX Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made payments on XX/XX/year> and XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing 2 full payments means that I was not late. Also shows late fee refunded.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed many inquiries on my report that I have never made or attempted to make. Please remove the following inquiries off my report immediately for they have effected my livelihood, and mental state of mind. Because of these inquiries I was denied to get a place which has caused me to become homeless.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have noticed many inquiries on my report that I have never made or attempted to make. Please remove the following inquiries off my report immediately for they have effected my livelihood, and mental state of mind. Because of these inquiries I was denied to get a place which has caused me to become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX I became aware of a fraudulent XXXX XXXX XXXX  account opened in my name that had been sent to collection XXXX it was not paid. I am the victim of identity theft and this is not the first time I have dealt with a fraudulent transaction in my name. I informed XXXX XXXX XXXX of this and they sent me a ridiculous form to complete along with several other documents they wanted to prove identity theft. Among the documents they wanted proof of residency via a utility bill. However, all of the bills are held and my husbands name. When I explained my predicament they told me they couldnt help me and I should just pay the almost {$1400.00} bill. However, the debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX sold the debt to was very understanding. They removed from their collections list and informed XXXX XXXX XXXX that their investigation concluded the account was identity theft. I did not great another thing about it until XX/XX/XXXX when XXXX XXXX XXXX sold the debt to another debt collector ( IC Services ). This time when they sold my debt they also gave the debt collector my real address ( that they only had because I had provided during the identity theft investigation with the previous debt collection agency ). I again had to him through hoops to get the collection removed from my credit and provide the collection agency with the appropriate information to prove I am a ongoing victim of identity theft. XXXX XXXX XXXX has been ruthless. Furthermore, if they would have done any due diligence when opening the fraudulent account for the thief that was illegally using my information they would have quickly seen that the address provided when the fraudulent account was opened does not even exists. XXXX XXXX XXXX shows no compassion for the victims of identity theft. The fact that they put the burden of proving innocence on the victim is disgusting. Especially since they could have prevented this entire issue if they had just looked a little further into the thief that opened the account.

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 2024-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX complaint # XXXX was submitted properly and therefore is under FCRA requires investigation to be complete within thirty day of receipt. Consumer never gave consent for EXPERIAN to take more than thirty day to complete this investigation thus demand deletion if the above reference complaint is not completed within time frame under FRCA, 3days.This time frame is not optional and consumer rights under FCRA would be violated. Respond within the 30 day time frame as outline in FCRA or delete the the 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
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXXmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portofilio will not verify this debt they claim to be owed to them. I disputed this information before along with sending out certified letters to portfolios company. They have again posted to my credit report fraudulent saying they is the original creditor of whatever account they are claiming I owe to them. If they can not verify this information I wanted this account deleted from ALL CREDIT BUREAU ASAP. I will be filing a complaint with the state attorney office about this company and reporting them to the better business bureau. This company is a fraud. Portfolio is in VIOLATION OF 15 usc 1692 ( c ) ( a ). I will be filing a lawsuit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address an ongoing issue with the reinsertion of Account on my credit report. Despite previous communication and the subsequent validation of certain account, I have observed that these Account are being removed and then reinserted into my credit report during subsequent rounds of validation. This practice is causing significant confusion and adversely affecting my credit score. 
XXXX XXXX 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 explanation
Consumer complaint received 2024-08-24 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: CA

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that are negatively affecting my ability to obtain credit. I understand that the credit bureaus will investigate these discrepancies to ensure the information is correct. Below are the details of the account in question for your review and verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Pursuant to FCRA 605B ( 15 USC 1681c-2 ) To Whom It May Concern, This letter serves as an official and urgent request that you, Experian, immediately block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint.

The fraudulent accounts in question include : 1. **Personal Loan Account - XXXX ( Opened : XX/XX/XXXX ) XXXX. **Collection Account - XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) These accounts were not opened, initiated, or authorized by me. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer XXXX credit report. I do not recognize these accounts, and they must be removed immediately. 

Enclosed with this letter, you will find : XXXX. A list of the fraudulent accounts in question. 
XXXX. A copy of my consumer XXXX credit report, highlighting the fraudulent items. 
XXXX. A copy of the FTC Identity Theft Complaint ( XXXX ), which confirms that these accounts are indeed the result of identity theft and fraud. 

I also wish to highlight the blatant inconsistency in the balance of the accounts, as XXXX separate entities are falsely claiming ownership of the same debt. This not only reflects negligence in verifying the accuracy of the information provided to you but also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), to which I am fully protected under the law. 

Given the harm caused by these inaccuracies, I demand that both accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. 

Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. 

I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
this is my follow up complaint for the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$710.00}, XXXX  XXXX XXXX Balance Owed : {$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 explanation