vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Portfolio Recovery Association. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Portfolio Recovery Association or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Portfolio Recovery Association, and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Portfolio Recovery Association to validate the alleged debt : 1. Purchase agreement between Portfolio Recovery Association and the original creditors XXXX XXXX regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally requesting Portfolio Recovery Association to immediately remove the following collection entries from my credit report : 1. Portfolio Recovery Association Amount {$730.00} I expect Portfolio Recovery Association, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I noticed unauthorized inquiries on my credit report. These inquiries appeared on XX/XX/XXXX- XX/XX/XXXX. The amounts in question are 25 Hard Inquiries I did not authorize and I have not had any recent interactions with these companies involved. I have taken steps to dispute these inquiries with the credit bureaus, including contacting the company directly and also contacting the 3 credit bureaus without any luck. Please investigate and remove these unauthorized inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: AL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-19 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-19 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-19 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2024-07-19 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: GA

Complaint narrative:
I have been a victim of Identity Theft, which fraudulent activity has reported to my Equifax Credit File/Report. I have filed an FTC, Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have filed a dispute online with Equifax providing the same information, which took over the required time frame for a fraudulent item to be removed. In addition, it took a long time for someone to get my complaint and process it, which I am filing this complaint. Also, Equifax is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account on my credit report, which needs to be removed effectively immediately. I am filing this complaint because Equifax is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail and online, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking Equifax to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$46.00}, and Account Number : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2024 I attempted to purchase a XXXX XXXXXXXX for {$7400.00}, with funds from Social Security alloted for said purchase, and purchase was declined. On XX/XX/XXXX I called the corporate number and asked why, and was told that there is a spending limit on my account, with no way to remedy such. I am under obligation to spend the money in this account for housing and mobility needs, and can not do either if I am limited to spend only {$5000.00} a day. The security deposit on a new apartment is three times this arbitrary limit. I intend to visit the branch today, and withdraw all of my funds and close the account. This complaint stands regardless, and further complaints will be made in the event that I am unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I have an issue with my credit report that needs to be addressed immediately. There's inaccurate information on my credit report for months now that I have been trying to communicate but to no avail. The circumstances are not in my favor and these are challenging times and the burdens keep piling up which continuously impacts my life negatively, having this inaccurate information removed from my credit report will be a great help.

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 2024-07-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an alert that I had inquires on my credit report. 
I viewed my report and I had 3 inquires that I did not do. 
First one was from XXXXXXXX XXXX XXXXXXXX on XX/XX/year> XXXX and Capital One on XX/XX/year> both received applications with my information on them. All XXXX places have been contacted and they have reported as fraud. 
The companies are asking that I report this to have inquires removed from my credit report. 
Please let me know if I can be of assistance. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I am refilling this complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, EXPERIAN has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in 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 explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-19 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MA

Complaint narrative:
On or around XXXX of XXXX  I noticed my XXXX XXXX card was lost. I went online and the card had been used fraudulently and I notified the company. I had to contact the company more than 20 times over the course of the last three months and I find that the customer service is sub-par and lacking in any kind of professional skills. Many calls were answered by customer service outside the United States and the hold times were long and sometimes dropped. 

On XX/XX/XXXX of XXXX  I received a letter stating the fraud investigation was closed. On or around the end of XXXX I noticed that all of the charges were put back on the card. I continued to contact the company and on XX/XX/XXXX received a call from corporate and an email from XXXX ( no last name provided ) that the issue would be resolved. I have yet to receive a follow up call. 

On or around XX/XX/year> I spoke to customer service rep XXXX  ( XXXX ) in regards to my account. He gave me information on where to send any information for the fraud investigation. I asked for the investigation notes, or any documentation that was used to confirm the fraud follow up. The conclusion is that since the chip was used it what he said fraud. 
What a horrible and demeaning thing to say and the idea that the customer of the fraud investigation was lying is repulsive. Of course the chip would be used if the card is being used unless the card is swiped. I asked for evidence that was used in the investigation like people they spoke to, any videos and there is none. 

XXXX XXXX  themselves on Respect, XXXX, XXXX, and XXXX and XXXX. I find this to be laughable when the company has employees that can't even take a fraud investigation into account. I will continue to make complaints until XXXXXXXX XXXX is sanctioned for unethical practices. A payment is due and I will not being paying that because the account is in fraud status.

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