vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: TN

Complaint narrative:
It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES, a debt collection company is reporting tradelines on my credit reports that are inaccurate. The effects of the alleged accounts are damaging my reputation while they also violate the FCRA and FDCPA. I was not given the opportunity to dispute the alleged debts, nor did I receive any documents in the mail form the collection company. I, XXXX XXXX, am aware that PORTFOLIO RECOVERY ASSOCIATES LLC are " Debt Buyers ''. They are notorious for abusive behavior towards consumers judging by their track records of being sued by debt collectors and the stipulations and consent orders that were brought against them by the CONSUMER FINANCIAL PROTECTION BUREAU. There are currently traces of violations regarding the account information PORTFOLIO RECOVERY LLC has furnished on my consumer reports. I am sure that PORTFOLIO RECOVERY ASSOCIATES LLC is aware that even the smallest violation of the FDCPA and FCRA is considered abusive, deceptive, harassing, and damaging to my reputation. This in turn makes them liable to both me the CONSUMER and regulatory authorities such as the FTC and CFPB under the FDCPA per 15 USC 1692K. I, XXXX XXXX, have discovered the following violations and inaccuracies upon reviewing my consumer reports : Inaccurate account balance amount ( The amount you are trying to collect is {$640.00} while XXXX XXXX claims I owe {$640.00}. ), excessive collection " C '' notations ( misleading and does not align with fairness and accuracy of credit reporting. This is damaging to my character and reputation ), No Data in the payment history " ND '' ( Signifies incomplete account information. ) ( Please do not blame this on the CRAs, you are a furnisher of information so you will be held accountable. ), XXXX of the same accounts being reported by both XXXX XXXX who is currently under fire and PORTFOLIO RECOVERY ASSOCIATES LLC. ( XXXX sold those accounts but both companies are reporting which is in fact misleading and fraudulent. This a potential criminal offense. ) These findings violate the following statutes : FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ), 15 USC 1681 ( a ), FDCPA 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 10 ), 18 USC 1001, ( Privacy Act of 1974 ) 5 USC 552a , FDCPA 15 USC 1692g , ( Debt Collection Rule ) 12 CFR 1006.34C. Based on these codes and supporting documents that will be added to this complaint, my rights have violated. PORTFOLIO RECOVERY ASSOCIATES LLC is in violation of my privacy rights. There is no original contractual agreement bearing my signature proving that I owe PORTFOLIO RECOVERY ASSOCIATES LLC legally. They do not have my legal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
I applied for a loan and was denied over XXXX months later the company illegally put panels on my roof that was not approved by the city of XXXX nor approved by myself thus they stared automatic withdrawals of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by ACCOUNT XXXX XXXX, regarding an alleged debt to XXXX ALARM SYSTEMS. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX ALARM SYSTEMS Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account. 
I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim. 
Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I have been a customer of wise.com for many years and have frequently and successfully transferred money from US Dollars to EUROs. On XX/XX/XXXX, Wise sent me an email to say that there was a verification problem for my account. Upon sending the requested information and verifying my identity, they responded on XX/XX/XXXX that my account was active again. On XX/XX/XXXX, they again emailed to say there was a verification problem. I went through the same process to verify my identity. This time, however, Wise reported that they were not able to verify my identity because they " couldn't accept the photo '' I had sent them ( the same information that had previously been accepted ). 
After going through the process of trying to prove my identity several times, I eventually asked to close my account through one of the options Wise 's process presented to me. Wise sent an email on XX/XX/XXXX saying that they decided to keep my account closed. They promised a refund of my remaining balance within 10 working days. 

Now, in XX/XX/XXXX, I still have not received my remaining balance. Further, Wise completely blocked access to my account : I am not able to see what the remaining balance is and even worse, I'm blocked from reaching out to their customer help center since it requires being logged in! 

At this point, I suspect that Wise has frauded me out of my remaining balance, since there has been no attempt from the company to address this situation and they provide no way to reach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-03-11 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: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solution, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX5 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I got a notice ( not the first time ) from XXXX that Experian has lowered my credit rating again. I called customer support twice and went on the Experian website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell 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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please provide proof of my debt. If not provided, please remove off all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Multiple daily XXXX XXXXXXXX. Written correspondence ONLY requested. Not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested that Experian/Experian Information Solutions and XXXX XXXX ( the data furnishers for Experian ) verify that the XXXX  XXXX Bankruptcy ( case number XXXX ) information was accurate. Experian stated that they have verified that the information was accurate. However XXXX XXXX ( the data furnishers for Experian ) states that they were unable to verify the accuracy of the XXXX XXXX Bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and therefore deleted the ( XXXX  XXXX Bankruptcy case number XXXX ) from their ( XXXX ) Identification Records SEE ATTACHED LETTER FROM XXXX from XXXX stating that their were unable to verify the accuracy of the XXXX  XXXX Bankruptcy ( case number XXXX ) and thus deleted it from their ( XXXX ) Identification Records.

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 2024-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZuntaFi Corp
State: WA

Complaint narrative:
Zuntafi has still not provided competent evidence to substantiate the alleged debt. 

The call between me centers around them providing proper validation, signing, and returning the last XXXX pages of my letter ( the notice of adequate assurance of due performance ). I have not received the unaltered document with the affidavit, as requested by the alleged lender representative. The debt is still not validated with competent evidence. However, Zuntafi erroneously reports the compliance condition code to the consumer reporting agencies, including reporting as delinquent when the alleged debt and account is not validated with competent evidence. I have sent Zuntafi and the lender twice ( first on XX/XX/2023, and XX/XX/2023 ) a non-negotiable notice of adequate assurance of due performance, which has not been signed and returned. Zuntafi has failed to respond to the notice and dishonored the notice. Please see the attachment for the notice of non-negotiable notice of adequate assurance of due performance. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment of yours does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within XXXX ( XXXX ) days, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no authority to continue any collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: IL

Complaint narrative:
On XX/XX/XXXX I notice a account on my credit report that i don't recognize nor done business with. I contacted the company about the account and contact the police

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 2024-03-11 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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