vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Just got a collection letter from portfolio recovery about an account that I have no knowledge of. And if it was opened by my ex-wife I had no ideal about it and never received any kind of bill, statement, acceptance, or physical card. If it was opened without my knowledge, it would have been closer or more than 10 year old. I thought there was a timeline in ky for debt and laws for fraud accounts. This says seller XXXXXXXX XXXX merchant XXXX. I have not responded yet and have not used any XXXX XXXX XXXX account especially XXXX  My father who passed last year often had our accounts mixed up in our credit reports due to having the same name. If only used major CC and only had a balance on one. So I need advise, if this somehow ends up on me even though I did not open this account, and if i dispute it could it cause a reset of time and staying on my credit report for another 10 years? I don't even recall this account on my credit report and have opened 1 credit card in over 10 year last year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
All three major CRAs XXXX, Experian and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies.

Experian is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. Experian, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization Experian et al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, Experian et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Experian, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.

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 2024-02-22 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 am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution.

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers.

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/year> for my XXXX XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/2021 for my XXXX XXXX XXXX account.

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 2024-02-22 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: PA

Complaint narrative:
I reviewed my consumer report and noticed that i has 1 late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
I reviewed my consumer report and noticed that i has 1 late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
It shows that the company Jefferson systems LLC opened the account on XX/XX/XXXX and was last updated on XX/XX/XXXX on my credit report. 
account type : debt buyer. 
Status : Collection account. {$160.00} past due as of XX/XX/XXXX. 

I was never notified of this debt by Jefferson Systems LLC and only found out about this collection by checking my updated credit report. They gave me no notice of debt or the ability to dispute this debt before adding it to my credit report. Due to this I now have 1 account in collections and a drop of my score. I do not claim this debt and have sent them a certified letter requested verification of this debt along with a statement informing I never received any information regarding this debt from them at all. I have also started a dispute with the credit reporting agency and have started this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2024 I called Jefferson Capital System and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me. I have done research on this company and also found that they are very predatory and have several lawsuits for their practices. However I will not seek litigation if this is removed promptly. I do not owe an debt to you or XXXX. I have been with my service for over 10 years. Im very annoyed that I have to take the time to correct this but have several credit monitoring services so things like this doesnt happen to me because I am very responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc
State: CA

Complaint narrative:
The company- XXXX XXXX- continues to contact me after asking to not be contacted. They call me 2-3 times a day, sometimes 5 days a week. They have refused to validate the debt as well as refused to correct any information on the account. I sent in a letter asking for debt validation, requesting settlement and even asked for corrections to the debt for accuracy. They are falsely charging interest on a rental debt despite my contract and Washington state law preventing it. They also have incorrect information and refused any documentation to update and resolve the issues. It has caused tremendous stress because they refuse to listen, threaten you with lawsuits and constantly tell you you're lying when discussing the situation. It is horrendous. I have sent in letters via mail, email and even tried discussing over the phone. I was called a liar and then continued to have my phone called in what felt like a robocall fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/2021 for my XXXX XXXX XXXX account.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: SC

Complaint narrative:
On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account 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 non-monetary relief
Consumer complaint received 2024-02-22 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: SC

Complaint narrative:
On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
The company XXXX XXXX  is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " XXXX '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX  appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXX XXXX  is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hello HSBC Team, I originally chose to utilize HSBC 's international money transfer service due to the advertised capabilities for international transfers and promises of superior customer service. 

Regrettably, those pledges were not fulfilled in my recent experience. After four unsuccessful attempts to resolve the issues with my transfer, I am now preparing to file a formal complaint with the CFPB ( Consumer Financial Protection ), under XXXX XXXX. Lack of resolution is a failure to reduce liability in the international transactions that occur, and US consumers have rights. 

As a customer of HSBC USA, I relied on the bank 's international money transfer service to send funds on XX/XX/XXXX to my new XXXX account in XXXX. 

Unfortunately the transfer was missing XXXX 's XXXX details due to HSBC 's service. After two phone conversations with HSBC representatives, I was informed the issue was XXXX 's responsibility, while XXXX stated it was an issue for HSBC to resolve internally. 

At this juncture, after nearly 17 days have elapsed since the initial transaction, I am exploring additional avenues for resolution, including third party representation. 

The timeline for HSBC 's remediation has exceeded legal guidelines. 

I remain hopeful we can reach a swift resolution without further escalation. Please advise on next steps to successfully complete the transfer to XXXX given HSBCs role as the originating financial institution. 

Also CC 'd on this email is XXXX 's remediation team as well for documentation, support and collaboration services. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to request the immediate reinstatement of my account services and access with Navy Federal Credit Union. My account was revoked without proper justification or notification, causing significant distress and hardship. 

It has come to my attention that Navy Federal obtained my private information through XXXX XXXX XXXX ( XXXX  ) to make a decision to revoke my account services. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Uniform Commercial Code ( UCC ), as it involves the unauthorized use of consumer information for adverse actions. 

Furthermore, I assert that I have a legal right to use my account, as evidenced by the receipt of billing statements for the account. Despite this, I have been denied access to my funds, leading to emotional distress and financial hardship. 

I am fully aware that my securities were used and are still being used on my open account with Navy Federal. Therefore, there is no valid reason for the revocation of my account services. 

I urge Navy Federal to reconsider its decision and reinstate my account services and access immediately. Failure to do so may result in further legal action to protect my rights as a consumer. 

Enclosed are copies of relevant documentation, including proof of account ownership and billing statements, supporting my request. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my account services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within XXXX business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief