vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear XXXX XXXX, I trust this letter finds you well. I am writing in response to your resolution of complaint ( XXXX ) with the Consumer Financial Protection Bureau dated XX/XX/2024, regarding the matter concerning the alleged debt of XXXX XXXX XXXX purportedly owed to Portfolio Recovery Associates , LLC ( PRA ) in the amount of {$7500.00}, associated with account number ending in XXXX, reportedly acquired from XXXX XXXX XXXX XXXX ( XXXX ). 

Based on the Consumer Financial Protection Bureau resolution response to complaint ( XXXX ) on XX/XX/XXXX, it is my understanding that Portfolio Recovery Associates , LLC ( PRA, LLC ) acquired the purported XXXX XXXX XXXX XXXX ( XXXX ) The XXXX XXXX credit card account, ending in XXXX. This acquisition encompassed the entitlement to collect the outstanding balance associated with said account. Portfolio Recovery Associates , LLC ( PRA, LLC ) procured this specific debt in good faith and in exchange for value, through a single transaction consummated on or about XX/XX/ 2024. 

I appreciate your prompt attention to this matter. However, I wish to make it unequivocally clear that I am XXXX XXXX and that, to my understanding, I have not consented to any business agreement or arrangement with any of the parties referred to in your correspondence dated XX/XX/ 2024. 

I understand that the claims made by you are against a corporate entity and not against myself, XXXX XXXX. 

Thank you for confirming that collection activity has ceased and desisted, as stated in your XX/XX/2024 correspondence. 

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and Conditional Acceptance, along with a full record of accounting and a proof of claim. Please refer to the provided Proof of Claim documentation, which includes : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against XXXX XXXX XXXX ( a sworn affidavit or a hand-signed invoice in accordance with the Uniform Commercial Code ) ; XXXX. A copy of the contract signed ( wet signatures ) by both parties, Portfolio Recovery Associates , LLC ( PRA, LLC ), and XXXX XXXX XXXX XXXX ( XXXX ), thereby binding both parties ; XXXX. A true and certified copy ( not a photocopy ) of the Original Bill of Sale pertinent to the mentioned debt, as well as the requisite assignment agreements and accounting statements. This includes, but is not limited to, all actual accounting and double-entry transactions, representing the flow of funds from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) account ( s ) to XXXX XXXX XXXX ( XXXX ) account ( s ) for the purchase of this specific debt in good faith and in exchange for value, supported by a sworn affidavit under penalty of perjury and with unlimited liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I disputed this account through XXXX and it was not removed from my account I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: WI

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-15 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: CA

Complaint narrative:
I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX wrongfully reversed a {$1000.00} charge made on XXXX XXXX after a customer stayed in our facility for 30 days. We provided accommodations and the customer disputed the charge to receive a free stay. We provided XXXX footage, text messages, driver license photo, terms of use signature, and witnesses that the customer used our services for the duration. XXXX deducted our monies, and even charged us a chargeback fee. We took the customer to court and the Judge agreed we must get paid. We charged the XXXX card for the exact amount on the court order. XXXX ignored the court order and reversed the charge again, charging us another chargeback fee. We demand to be paid for the service, and for the small claims judgement we sought and won. XXXX is siding with their customer, and ignoring our legal proof of stay and court order. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX judgment entered XX/XX/year> at the XXXX XXXX XXXX. 

" The Court finds Proof of Service of the Plaintiffs Claim and Order to Go to Small Claims Court and notice of today 's hearing is satisfied. Party submits evidence for the Court 's review. The Court having reviewed all evidence rules as follows : Court orders judgment entered for Plaintiff XXXX XXXX against Defendant XXXX XXXX XXXX on the Plaintiffs Claim filed by XXXX XXXX on XX/XX/year> for the principal amount of {$1000.00} and costs of {$30.00} for a total of {$1000.00}. Notice of Entry of Judgment filed and mailed to all parties, and Judgment Debtor 's Statement of Assets mailed to the defendant. ''

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 2024-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.

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 2024-04-15 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXXXXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$3200.00}

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :

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 2024-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, This notice is to inform you that you unlawfully reported fraudulent t inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report.

15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 

XXXXXXXX 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 2024-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/22 and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account Number: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 2024-04-15 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: CA

Complaint narrative:
There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

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 2024-04-15 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: PA

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 2024-04-15 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE DELEE THE FOLLOWING ACCOUNTS XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : 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 2024-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MA

Complaint narrative:
In XXXX, my wallet was stolen and my Schwab debit card was taken. I immediately reported the fraud. A charge was made, but then they blocked this card and did reimburse me. In XXXX, another charge was made for over {$4000.00} on the old card number. I again filed the fraud claim. I never got a response. Instead, I got a letter that all my accounts, and IRA, Roth, brokerage and checking accounts, were being closed. I called and was told this was for business reasons. The first person I spoke to said nothing at all could be done. I was able to escalate the call and at first a very helpful employee was able to get the fraud claim revisited, and the charge was credited. She told me my accounts would be fine. I still received letters that my accounts would be closed, and I was unable after repeated tries, to contact the woman who was navigating the process. I attempted to move my money, though on the checking account received messages that I am not allowed to transfer. Upon transferring, Ive been charged fees. On my IRA, they deposited my interest the day after I transferred the account. So now, if I want to get that interest, I would again face an additional transfer fee. I am still unable to access the money in checking and I find it absolutely unacceptable that I am paying transfer fees given their incompetent handling of my fraud case, and believe I should be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone # ( XXXX ) XXXX On record until : XX/XX/year> Inquired onXXXX

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