vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I wish to file this complaint against Portfolio Recovery Associates , LLC ( PRA ). PRA is a debt collection agency that has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit bureaus.

Specifically, PRA has reported that I have a delinquent account with XXXX XXXX. I have requested that PRA give me all documentation of this account and payments, without correct respond and they have refused to remove the inaccurate information from my credit reports. 

As a result of PRA 's inaccurate reporting, my credit score has been significantly damaged. I have been denied loans and credit cards, and I have been forced to pay higher interest rates on my existing debt.

I am requesting that the CFPB investigate PRA 's conduct and take appropriate action to protect my rights. I am also requesting that the CFPB order PRA to delete the inaccurate information from my credit reports.

I have analyzed the FCRA website, and I believe that PRA 's conduct violates the following provisions of the law : Section 1681a ( a ) ( 1 ) : PRA has failed to ensure that the information it reports to the credit bureaus is accurate and complete.

Section 1681b ( a ) : PRA has failed to provide me with a copy of my credit report upon request.

Section 1681c ( a ) : PRA has failed to investigate my dispute of the inaccurate information.

Section 1681i : PRA has harassed me in connection with the collection of the debt.

I have also analyzed the lawsuit that you linked to, and I believe that it provides further evidence of PRA 's history of violating the FCRA. In that lawsuit, the CFPB alleged that PRA engaged in a pattern of unlawful debt collection practices, including : Misrepresenting the legal status of the debt Harassing consumers Using unfair and deceptive tactics to collect debts The CFPB ultimately ordered PRA to pay {$24.00} million in damages and to implement a number of reforms to its debt collection practices.

Based on the information that I have provided, I believe that PRA has violated my rights under the FCRA and that the CFPB should take appropriate action to protect my rights. I am requesting that the CFPB investigate PRA 's conduct and order PRA to delete the inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

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.

The letters are stated with items and issues.

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 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: CA

Complaint narrative:
The company Portfolio Recovery has continued to call our number for years even though we have advised them numerous times that the person ( s ) they seek have never lived at this location. They have said that they will remove our number, but they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX company via In house collection agency XXXX XXXX XXXX XXXX settled {$6100.00} loan that was allegedly owed by me in 2018. Recently Lockhart Morris & Montgomery has contacted me on several occasions through deception allegeding that they work for XXXX XXXX XXXX XXXX and is collecting a past due debt for them. I have spoken with XXXX XXXX XXXX XXXX numerous occasions and they have assured me that I don't owe them. Lockhart Morris & Montgomery have called me threatening and demanding that I pay them or else using abusive language. Also Lockhart Morris & Montgomery has admitted that I don't owe them anything. I have received abusive phone calls from XXXX XXXX and XXXX XXXX who work for Lockhart Morris & Montgomery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NV

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 XXXXXXXX.

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with these companies and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 

I have never given written consent to report any of the accounts listed listed below and should be deleted immediately. You will also find my FTC affidavit attached with this complaint listing these same companies. 
XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : 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 2023-06-08 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: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX {$5700.00} XXXX. XXXX XXXX Bank {$2800.00} XXXX. XXXX XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX {$5700.00} XXXX. XXXX XXXX Bank {$2800.00} XXXX. XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: CA

Complaint narrative:
I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.

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 2023-06-08 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: LEXISNEXIS
State: MI

Complaint narrative:
I do not authorize Lexis Nexis to furnish any information of my social security and information. They are falsely providing details that is unauthorized and I wish them to freeze and no longer report inaccurate and false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with XXXX and on XX/XX/XXXX, I placed an order for a checkbook associated with my checking account and received it from XXXX. Also, XXXX has charged me {$22.00} for this service. All good till now. 

Subsequently, on XX/XX/XXXX, I issued a check ( for amount less than available balance ) from my checking account ending in XXXX. The check was initially paid on XX/XX/XXXX ( attach : bank transaction and check copy ). However, the payment was later reversed on XX/XX/XXXX. 

The reason provided by XXXX for the reversal was that they do not possess my identifiable information necessary to clear the check. I was directed to provide copies of my Driver 's License, Address Proofs, Signature, and other documents. 

My concern arises from the fact that XXXX, as a bank operating in the United States, has facilitated the transfer of substantial amounts ( > {$25000.00} ) of money ( USD ) to a foreign country without requesting the aforementioned details. However, for the clearance of a domestic check, XXXX has deemed these identification documents necessary. 

This oversight by XXXX has had a detrimental impact on my life, causing significant pain, stress, physical and mental anguish, and monetary loss. Unfortunately, this mistake has disrupted my plans to purchase a car, which involved considerable personal effort and financial arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company falsely provided inaccuracies on my credit report. Reporting 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 2023-06-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am very upset at Portfolio Recovery and the credit bureaus. Not sure why they are not removing the errors on my report after 4 disputes. I dont know a lot about credit repair, I had my attorney review letters I sent and the letters they responded with. He told me that according to the FCRA, they need to tell me how they verified the accounts and according to 15 U.S. Code 1681i they are in violation. We compared balances they sent and what is reporting on my credit file and they're also in violation of FDCPA 15 USC 1692f. I know this has happened to a few friends as well they harass, they call at all hours of the day. At this point I do not care to receive validation of debt as requested before I just want them to cease all communication with me and delete the accounts. If you would like a copy of my report with proof of inaccuracies I can provide that. I have copies of dispute letters and reports for the past 8 months. I will be calling a CFPB representative to discuss what other actions can be taken, if accounts are not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, Back in XXXX, I submitted a dispute regarding a Capital One Venture card ending in XXXX in which a settlement amount of {$320.00} ( current balance at the time ) was issued. I have yet to receive a settlement letter regarding this adjustment, but rather just a notification from my XXXX credit report that shows a settlement was reached and that the account was closed. ( attachment XXXX ) This account is showing as closed on my credit reports but the balance has not been adjusted, resulting in late payments showing up on my reports and affecting my score. I've attached two screenshots taken from different areas of my credit report showing the inconsistency in what is being reported. ( attachment XXXX & XXXX )

Company response to consumer: Closed with explanation