vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-11 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: PA

Complaint narrative:
THE THREE CREDIT BUREAUS ( XXXX, EXPERIAN AND XXXX ) REFUSE TO REMOVE FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT ON THEIR THREE BUREAU SITES, AFTER MONTHS AND MONTHS OF WRITING LETTERS AND SUPPLYING THEM WITH MY FILINGS WITH - THE IRS, THE FBI ( IC3 ), SOCIAL SECURITY ADMINISTRATION, FCC, XXXX, ATTORNEY GENERAL 'S OFFICE OF PENNSYLVANIA AND THE FTC/IDENTITY.GOV ADDITIONALLY, COPIES OF EVERY FILING WERE SENT TO THOSE ACCOUNTS LISTED REPORTING DEBT THAT DOES NOT BELONG TO ME- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX REPORTING TWO HARD INQUIRIESXXXX XXXX XXXX THESE ARE NOT MY INQUIRIES

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding an account that they are attempting to collect. This account, which is referenced by PRA as ending in XXXX, was purchased from XXXX XXXX XXXX XXXXXXXX, by PRA. The account allegedly originated in XXXX, and I was notified of this account after it was sold to PRA on XX/XX/XXXX. 

The issues began when I disputed the debt with the credit reporting agencies ( XXXX, XXXX, and XXXX ). Despite submitting my dispute, PRA failed to provide me with proper debt validation, as required by the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692g, PRA was required to provide verification of the debt within 30 days, but I did not receive this validation. 

Furthermore, PRA continued to report the debt to the credit bureaus as a disputed account, yet negative information was being reported during the dispute process. This is a violation of 15 U.S.C. 1681s-2, as negative reporting should not occur while an account is under dispute. This improper reporting has negatively affected my credit score and harmed my financial well-being.

In addition to the lack of debt validation and improper reporting, PRA sent me an initial notification letter on XX/XX/XXXX, but I never received any record or acknowledgment of this letter. This raises concerns about PRA 's compliance with the Fair Debt Collection Practices Act, specifically with regard to the manner in which they handle disputes.

I have also requested that PRA cease all communication with me regarding this debt, but I am concerned that further attempts to contact me may violate my rights under the FDCPA.

I am seeking a resolution that includes : Proper validation of the debt. 
A correction of the credit reporting to accurately reflect that the account is in dispute, with no negative marks reported during the dispute process. 
Compensation for violations of the FDCPA and FCRA for failing to validate the debt and for improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST NCA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear NCA, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, XXXX, and TransUnion ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.

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 2024-11-11 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: GA

Complaint narrative:
I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, Equifax, and XXXX ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( Experian, XXXX, and XXXX ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.

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 2024-11-11 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-11 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent 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 2024-11-11 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:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.

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 2024-11-11 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
I was taken to court XX/XX/year> it was dissmissed after serval court dates I had proof that this debt was paid in full. Judge said it was dismissed yet it is still on my credit. They called trying to collect a debt I dont know owe which the judge told them they couldnt do. They keep reporting it to my credit which is affecting & damages my finances & credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have XXXX account that I faulted on for {$1200.00}. LVNV Funding is trying to collect XXXX debts off me off the same credit card debt. One amount is for {$1200.00} and the other for {$1100.00}. Meanwhile I only had ONE account with XXXX credit cards that totaled {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to formally request that the following accounts be blocked and deleted from my credit report due to being a victim of a data breach. As provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be immediately removed from my credit file to protect my personal information and prevent further damage to my credit standing. 
Accounts to be blocked and deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} Inquiries to be removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had navy federal opps program they charge me overdraft and close my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal has been adding over draft fees to my account even though I am enrolled in the OOPS protection program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the summer of XXXX, on XX/XX/2023 I contacted JPMorganChase for a credit limit increase on my credit card. They went ahead and did that but did not warn me that they will be doing a HARD inquiry on my credit report. Had they told me so I would have NEVER asked for the increase. A while later I caught the mistake and called the bank to remove the inquiry. They admitted their mistake and they said they would send a letter to XXXX to remove the erroneous inquiry. Needless to say I checked my report last week as I was thinking of getting a new credit product and notice that the inquiry was not removed. I contacted Chase and XXXX NUMEROUS times and both organizations have been giving me run around, telling me that the other organization is responsible and REFUSING to help me. I am fed up with their XXXX  and need your help please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NAVY FEDERAL was purposely causing overdraft fees by taking payments late, causing me to overdraft and causing my account to be insufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The XXXX and XXXX of XX/XX/year>, I received XXXX wire transfers from a client purchasing XXXX vehicles, both transactions were {$24000.00}. Totaling of {$48000.00}. On the XXXX of XXXX TD bank put a hold on my account. I asked whats the status, A representative stated My account is on hold until my pending transactions is posted. The next day I went into the branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

The representative stated TD BANK doesnt want to do business with me anymore, they will close my account and send me a check with my balance A few days down the line I called a rep to verify my balance. It was at {$0.00}. 

I went in branch the next day the supervisor said my account was reported fraudulent and I will receive a call from the fraud department. I NEVER GOT A CALL. My balance was {$8500.00} before closing. 

I call frequently and go in branch, No update, nobody can help me, I have no way to contact that specific department. 

The buyer XXXX XXXX told me he did not report or dispute the wire transfer so I am just 100 % lost. I just need help. I can not afford to loose {$8500.00}.

Company response to consumer: Closed with explanation