vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I was wrongly charged moving out fees of my old apartment, which resulted the fees going to collections. I have a signed move in sheet that I emailed back to the property management company with clear correspondence that the company received the signed move in sheet. Collections USA is not proofing the debt is owed and has very little supporting evidence other than an itemized charges list. This does not proof I owe the debt. The damages I am being charged for were there when I moved into the apartment, which the move in sheet clearly indicates. The property management company stated they received and never mentioned the sign in sheet again. I am being charged for the same damages I've listed. I tried to work with the Collections USA but XXXX was extremely rude, while stating false legalease and telling me that the burden was not on the debt collector. The burden is on the debt collector to proof the debt is actually mine and provide supporting documentation proofing it. They have no evidence except a " intent to move out '' form which does not state anything about damages nor the conditions of the apartment. I am requesting to have this removed immediately and CollectionsUSA XXXX literally told me " he did not want to help me '' and that he works for the property management company and not for me. I feel like this was a clear violation of XXXX. Unfair and Abusive practices to tell a consumer you will not help them. Not to mention, the false statements being extremely misleading. I have supporting evidence to proof those damages were there prior to my move in, the property company does not. I have a signed in move in sheet with emails showing they received the document properly and acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is constantly calling my phone daily and it has been happening for over a month now. First and foremost, they have no right to even have my private information as there is no legitimate business need to have it. I have never inquired, nor signed up for this company. They fraudulently obtained my information AND created an account with it. That is ID theft! They are knowingly and willingly participating in this misconduct. I reached out to them via chat on XX/XX/2024 around XXXX to get them to delete my information from their system. The agent whose name, or alias, was XXXX and he abruptly ended the chat, assuming because he/she did not know what to do. Instead of escalating the situation like I asked, he/she just ends it. I then try to use the live chat again, and I get an error message which I took a picture of for my records. I do not have any type of contract with this company so I have every right to request that my information be deleted. They purchased my information from XXXX XXXX, who, as a financial institution, was never supposed to share my nonpublic personal information with an unaffiliated third party without my consent. This is clear under 15 USC 6802. It clearly states that it shall be disclosed to the consumer that the information will be disclosed to a third party, and the consumer shall be given an opportunity BEFORE the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not to mention, XXXX XXXX was supposed to initiate ARBITRATION pursuant to our original agreement BEFORE selling my information. This is a clear breach of contract! 

So it is evident, not just by my personal experience, but by the {$12.00} XXXX in redress to harmed consumers and a {$12.00} XXXX civil money penalty ( XXXX XXXX XXXX ), that PRA does not care about consumer privacy and protection. And that XXXX XXXX, the consumer reporting agencies, and all other banks, financial institutions, and collection agencies are all in cahoots. There is no such thing as consumer privacy as long as these companies exist because there is no way individuals that I have never met can and will protect my information, as the rise of online fraud, and ID theft is proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX ) XXXX  XXXX : XXXX XXXX REPORTING 11 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX  XXXX REPORTING 15 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER THE SAME ACCOUNT NUMBER- SHOWING AS CLOSED XXXX ) US DEPT ED : REPORTING AS CLOSED ACCT- DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : {$2300.00} - REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT 5 ) XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION- DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : XXXX  XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX REPORTING AS SOLD TO ANOTHER LENDER- CHARGE-OFF- DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS CHARGED OFF XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS COLLECTION /CHARGE-OFF ACCOUNT DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT ACCOUNTS XXXX ) XXXX XXXX XXXX- REPORTING AS CREDIT INQUIRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
XXXX ) XXXX  XXXX : $ XXXX REPORTING XXXX LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX $ XXXX REPORTING XXXX LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER THE SAME ACCOUNT NUMBER- SHOWING AS CLOSED XXXX ) US DEPT ED : REPORTING AS CLOSED ACCT- DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : {$2300.00} - REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT XXXX ) XXXX XXXX  : $ XXXX REPORTING AS COLLECTION- DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX : $ XXXX REPORTING AS XXXX MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX ) XXXX : $ XXXX REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX REPORTING AS SOLD TO ANOTHER LENDER- CHARGE-OFF- DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX REPORTING AS COLLECTION /CHARGE-OFF ACCOUNT DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT ACCOUNTS XXXX ) XXXX XXXX SERVICE- REPORTING AS CREDIT INQUIRY.

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 2024-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown and Joseph, Ltd
State: IL

Complaint narrative:
I received a letter from Brown & Joseph LLC dba XXXX XXXX claiming I have a debt from their client, XXXX XXXX XXXX XXXX. In the letter, they threatened to request the suspension of my drivers license even though this is the first I am hearing of any debt from either party. Additionally, the state requires additional steps before they can even request to suspend my license, like not satisfying a court determined judgement ( which I havent ever been requested to appear at ). The only information in the letter is the total amount of debt, a settlement amount, and how to contact them to pay or arrange for payment. No option to dispute or how to request verification of the debt. XXXX also failed to notify me of any debt, and never made contact regarding any debt or made any attempt to discuss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: MI

Complaint narrative:
I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
Please ensure removal of XXXX XXXX. Attempted to get information on exact charges on card and never received any information. Disputing charges cuz I believe charges were made by my ex-wife prior to divorce these charges were not authorized by me please investigate and remove account from my credit report because they were incurred without my consent.

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 2024-05-30 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: OK

Complaint narrative:
Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: OK

Complaint narrative:
Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).

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 2024-05-30 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: TX

Complaint narrative:
There are unauthorized inquiries on 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 2024-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief