vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On this date XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES opened a collection. 
Account # xxxxxxxxxxxxxxxx XXXX {$410.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. 
Please have this account removed from all three credit bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: MD

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$540.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: CO

Complaint narrative:
Collection company that purchased old debt from original company. Then filled a lawsuit against me for debt purchase from said company and is not original debt ownership and law firm retained for said lawsuit has contracted a process server that would harass my home that Im not the only tenant in and disrespected and was disrespectful to other tenants is home and would wait outside and walk up to windows and look inside creating a disturbance for other people in home

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX {$540.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$160.00} / XX/XX/2022 XXXX / {$540.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have an account on my credit report that was done on line without my knowledge that I was paying for, until they did an investigation, I am still being charged and harassed, I did not make these charges and I went through XXXX XXXX also, I will not be responsible for charges that I did not make, i have been complaining about these charges for some tie and would like them to be removed from 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 2022-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
To whom it may concern ; Midland mortgage, is still being deceitful in their dealings and business practices with me. On XX/XX/XXXX I filed a claim against them for not being clear about my recovery options and being illusive in regards to the calculations I received. On XX/XX/XXXX at or around XXXX XXXX  XXXX, XXXX XXXX offered me XXXX for my new monthly payments, which I accepted. I wrote in to CFPB make sure it was calculated according to the rules, due my poor experience with Midland mortgage. Midland mortgage responded stating, that is the agreement and to get my utility bill in asap. I immediately complied and sent them the document. After calling in several times, they finally verified receipt of document and later sent a letter confirming. On or about XX/XX/XXXX I looked at the modification Midland mortgage has sent and it is totally different than the amount we agreed to and it has a higher interest rate and amount to the price of XXXX. I called in and spoke to a loss mitigation officer who told me, that the interest is calculated from the time it is offered. They made error in calculating my mortgage with the recent rates. The records clearly shows and confirms my offer was made on XX/XX/XXXX at XXXX XXXX by XXXX XXXX and confirmed through correspondence. Please find attached Midland mortgage modification, acknowledgement of offer and confirmation of utility receipt. Thank you

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On Tuesday, XX/XX/2022 at XXXX a.m. I received an email from " Experian '' with the following email address XXXX. This email states that my credit FICO score had changed, then stating that it increased. I have reported numerous emails to the FTC, as I get frequent responses by Experian ( i.e. several in a month ) without using any of my credit and not sure why they are continuously reporting that my credit is increasing and decreasing. It concerns me that someone has accessed my personal information, although when I check my XXXX credit card and my XXXX banking account that I own, there are no fraudulent charges. I have also looked at my credit report at the beginning of this year and did not see any unknown activity. I currently can not access a free report, but will do so when I can. Is someone able to utilize financial information that belongs to me to create accounts that I would be unaware of? 

This is the last email I received : XXXX, your XXXX Score has been updated XXXX Mail / Spam Experian Alerts XXXX To : XXXX Tue, XXXX XXXX at XXXX AM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images Why is this message in Spam? 
We believe this message is spam as you marked previous messages from the same sender as spam. If you want to receive future messages from this sender, please mark it as XXXX XXXX '. 
It's not spam Experian Membership ID # XXXX Member Sign In XXXX, please review your alerts FICO Score Great job! Your hard work paid off and your score increased. 
FICO Score Your score rating changed. 
See all alerts XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX an Experian company. All rights reserved. 
po box XXXX XXXX, TX, 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 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have reached out to capital One over a dozen times in the last XXXX days but Im unable to reach a single person in their auto loan department. Every single time I call, I get bounced around their automated system and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Account # XXXX -- Transunion closed out an already derogatory account on my credit report on XXXX, just to re-report it as derogatory on XXXX. This dropped my credit score dramatically from XXXX to currently XXXX. Additionally, Transunion is harboring a non validated derogatory collection account on my credit report as well from XXXX XXXX XXXX  Account # XXXX. 

This is a CLEAR VIOLATION of my rights as a consumer to have a fair and accurate credit report. I am aware that this role has been assumed by Transunion and not given, and I am exercising my consumer right pursuant to 15USC 1681b ( 2 ), to DEMAND remedy by means of written or oral communication. As Transunion, should be aware, there is a supreme need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

It is apparently clear that Transunion has not been exercising these grave responsibilities that they have assumed by them in terms of reasonable procedures for meeting the needs of commerce for consumer credit, insurance and other information in a manner which is fair and equitable, with regard to confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of 15 US Code 1681 ( b ) ( Reasonable Procedures ).

Due to this, my credit has dramatically suffered, causing me to be subject to adverse action. This has caused overwhelming stress and harm to my financial status, defamed my character and caused hardship to my family. Pursuant to 15 USC 1681b ( 2 ), I did not give Transunion any form of written instructions to accept, furnish or report any information on my behalf and I am thereby exercising my right to DEMAND that both of these accounts be REMOVED from my credit profile immediately, they have caused enough damage to me. I XXXX XXXX, of natural person, have not authorized or verified these accounts in written or oral format and I revoke any assumed authorization, which can equate to identity theft by TransUnion, a prosecutable offense.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation