vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had a credit card charge off in XXXX of XXXX. At that point the credit card company was no longer reporting the card to the credit bureaus. 

In XXXX the statute of limitations from what I understand as per the AG is three years. I received calls from PR from XXXX through XX/XX/XXXX claiming I owed money to the credit card company and needed to pay PR for this debt. 

In XXXX I asked the gentleman I spoke to to stop calling me and I wouldnt respond nor was I interested in paying PR for something not on my credit report. They continued calling for the next 4 years - 10 years after the end of credit reporting and years literally years past the 3 year XXXX cut off period. 

I spoke to someone on XX/XX/XXXX at XXXX and asked them to stop calling and was then called twice on XX/XX/XXXX. 

PR recovery will say they have stopped. That is irrelevant now nor is it my complaint. They would not have stopped had I not initiated action against them. 

They pursued me for a debt that was no longer on my credit report but over the years used tactics to express that it was on my credit report. They falsely represented themselves as something other than a company that buys old debts and harassed me by calling several times a week for years. Bear in mind this was way over the time they could legally do so. 

I spoke to the original debtor who told me several routes to take action against them and - after I asked multiple times for them to stop and they lied and said this affects my credit, I need to make it known and I need to have my time energy and terror of their reps compensated for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: CBC Companies, Inc.
State: AR

Complaint narrative:
According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and Equifax shows a different account # which is # XXXX XXXX I am Attaching identity and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

11. XXXXXXXX XXXX XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 2024-04-26 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-26 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: MD

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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I am exercising my right under 15 USC 6802 to opt out of the reporting of my account with XXXX XXXX XXXXXXXX XXXX  on my consumer report. 

As per the provisions of 15 USC 6802, consumers have the right to opt out of having their accounts reported to credit reporting agencies. Therefore, I request that XXXX XXXX XXXX XXXX cease reporting this account to TransUnion effective immediately. 

I understand that opting out of reporting this account may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law.

Please confirm in writing that my request to opt out of reporting this account has been received and will be implemented promptly. Please be advised that violating my request would be a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies.

Thank you for your attention to this matter. I anticipate your cooperation in this regard.

Sincerely, 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 2024-04-26 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Received an email on XX/XX/2024 from Chase stating risk department has restricted my account and may need to close if I dont contact them.

Right after receiving the email I tried to use debit card at store and was unable to. I called Chase and they told me yes, its been restricted and they are not told a reason. I asked to speak to some in risk department and they would not. I went to the branch and talked with manager and they said they can send a note and will ask for it to be unrestricted, and they had no idea why. I explained and was happy to show anything needed regarding transfers to other banks for our business, and other transfers to other banks for better savings rates, as I thought that might be the reason, but they said they will send a request themselves. It is still restricted 5 days later and still with no reason. We work in the financial industry and understand when risk needs to be checked into, but over and over I am told that everyone I talk to cant give me reasons and cant have me talk with anyone higher up. This is my money and isnt right to have it locked up without a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to dispute certain items on my credit report. These items are invoking my rights under the fair credit reporting act section 15 USC 1692G and 15 USC 1681-S-2 upon review I have identified inaccuracies that require immediate attention. Please investigate, update, correct and remove these discrepancies promptly. Also in accordance with 15USC1681-C-2 it refers to blocking information resulting from identity theft from appearing on a consumer 's credit report. This section outlines the process by which I as a consumer I am requesting that information from identity theft be blocked from my credit report. As well as it is the responsibility of the credit reporting agency and handling this request. Additional Unauthorized Hard Inquiries : 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: AK

Complaint narrative:
On XX/XX/year> I refinanced my car loan from Santander Consumer USA ( auto loan company ) to a local Alaska bank called XXXX XXXX XXXX XXXX that offered a lower interest rate. I met with the XXXX XXXX XXXX loan officer on XX/XX/year> ( a Saturday ) and completed and closed out the car refinancing loan. The following week ( between Monday and Friday, today ) a pay-off check was sent from XXXX XXXX XXXX to Santander with XXXX # XXXX. On XX/XX/year> Santander emailed me to call them regarding my car loan payment. I called them and spoke with an agent # XXXX and then with a manager # XXXX who threatened to send my name to a credit collections bureau due to non-payment of the Santander monthly car loan. I explained that I closed on my new refinance loan with another bank but they said I needed to pay for " overages '' charges. I asked if I would be refunded those payments, as my monthly payments were a hefty {$550.00} and they were demanding payment for XXXX and XXXX, once Santandar receives the pay-off check and they said no, it would be " overages '' charges applied. During my meeting with XXXX XXXX XXXX overages charges were already applied and included in the pay-off amount which was agreed upon by all parties includibg myself, XXXX XXXX XXXX and Santander. Any other Overages charges were not agreed upon following the pay-off discussion. I was told by the Santander manager that XXXX XXXX XXXX had 15 days to pay off the loan and Santander records show it was not yet paid off. Then they said it was my responsibility to pay any Overages charges that were accruing during that 15-day period. Once I became suspicious and questioned their intentions, the manager changed the narrative and said Yes I would be refunded. My entire conversations with the agent and manager were recorded. When I relayed to them I would file a complaint they both refused to repeat their names, which were provided to me at the beginning of our conversation ; however, they did give their employee numbers. I did not pay any Overage funds to them but ended the call abruptly when I realized their actions were suspiciously fraudulent. 
I shared with Santander agent and manager that I recently had a major XXXX XXXX XXXX and that I am elderly and I believe they targeted me for fraud because of these reasons. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX, XXXX XX/XX/2024 National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear debt collector, I am writing to dispute the accuracy of the information contained in my credit report. According to the report provided by your agency, there are discrepancies in the original loan agreement and payment history.Firstly, the reported original loan amount appears to be inflated. Upon reviewing my records. However, the credit report reflects a higher figure, which does not align with the actual agreement.Secondly, the payment history provided is inaccurate. It shows missed payments and late payments that are not reflective of my actual payment history. I have diligently maintained payments in accordance with the agreed-upon terms, and there should not be any instances of delinquency reported.I request that you investigate these discrepancies and promptly correct any inaccuracies in my credit report. Please provide me with a written explanation of the actions taken to rectify these errors.Enclosed are copies of documents supporting my claims, including the original loan agreement and payment records.Sincerely, XXXX XXXX. 

Also I never gave consent to have my consumer report look over or gave the permission to have my privacy invaded. I feel that was wrong to have not been informed of the selling of my information to this debt collector without first verifying with me if it was okay and also to verify the correct accurate information that's being reported as well. I ask for this debt collector to produce legitimate evidence that this debt belongs to me and has the right to invade my privacy with out my permission. I look forward to a response as soon as possible. 

I have no information to provide as I haven't received any documentation from XXXX XXXX the original creditor of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
received several notice from Midland Credit Management company regarding a debt that they claimed I owe. I have not received any evidence of this debt nor did I received answers to determine if this debt is actually mine. I requested that they verify the debt and provide a wet signature of this debt and stated that they are clearing in violation of the FDCPA and the lady on the phone basically laughed at me and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
CFPB Complaint Letter Regarding IQ International XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( Email : XXXX ) Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint Against IQ International XXXX XXXX Dear CFPB, This letter is to formally file a complaint against IQ International XXXX XXXX ( " IQ '' ) for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Dispute of Debt I am writing to dispute any and all debt that IQ claims I owe. I have no knowledge of this debt and believe it is in error. 
Revocation of Communication Methods I hereby revoke IQ 's right to communicate with me via email, text message, or phone calls. All future communication must be done in writing and sent to the address listed above. 
Request for Validation and Documentation I am requesting debt validation from IQ in accordance with 15 USC 1692g. This validation should include : The amount of the debt The name of the original creditor The date the debt was incurred Additionally, I request a copy of the purchase agreement between IQ and the original creditor. 
Furthermo, I request proof that IQ is licensed and bonded to collect debt in my state. Please funish copies of these licenses and bonds. 
Unlawful Debt Collection Practices I believe IQ is using unlawful extortion tactics to collect a debt I do not owe. These tactis include threats to damage my credit report and reputation. I have not had a fair opportunity to dispute this debt, nor have I received any proper notification of its existence. 
Request for Proof of Notification If IQ believes I received proper notification of this debt, I request a copy of the notification with a certified receipt showing my signature for delivery. 
Response Time I request a written response from IQ within 15 days of receiving this letter. Your silence on this matter will be considered an admission of guilt according to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ), and UCC 1-202f . 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosed ( ID AND PROOF OF ADDRESS )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation