vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXX on the XXXX day of XXXX XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXX  on the XXXX day of XXXXXXXX XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
Im seeking your help with a misreported account on my credit report. This issue has negatively affected my reputation, and I need your immediate assistance. Your inaccurate reporting has caused significant harm, and its important that you correct this so I can have peace of mind with my family.

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 2024-08-20 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:
Reviewed my credit report and saw a payday cash advance that isnt mine. I then drafted a letter and sent via US mail for a request for removal.

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 2024-08-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX TransUnion : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of Georgia on the XXXX day of XXXX, 2024. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court of XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.

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 2024-08-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX/ XXXX Equifax : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of Georgia on the XXXX day of XXXX, 2024. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court of XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was gifted a gift card about a year ago with a balance of {$300.00} and I am unable to make any purchases online or in store. The card is not expired. The customer service number does not give you an option to fix this solution or offers to speak to a representative. I have registered online and attempted to submit a claim but their site wont allow me to complete my request. This is a XXXX  giftcard. The gift card is from 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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by MIDLAND CREDIT MANAGEMENT against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). 

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. 

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. 

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. 

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : 1. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
2. Revoking all rights of them communicating with me through email/text/calls 3. Requesting a purchase agreement between the collection agency and the original creditor. 
4. Proof collection agency is licensed and bonded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
**Issue Summary : ** While I was on XXXX XXXX military orders, Discover Card sent a verification request to my home address. Due to my XXXX XXXX status, I was unable to receive or respond to this request in a timely manner. As a result, Discover cancelled my credit card account without further communication or consideration of my military obligations. 

**Details : ** - **Active Duty Period : XX/XX/XXXX - XX/XX/XXXX - **Date of Verification Request : ** Around XXXX - **Date of Card Cancellation : ** Around XXXX Despite my military service and the protections afforded under the Servicemembers Civil Relief Act ( SCRA ), Discover closed my account, causing unnecessary inconvenience and potential harm to my credit. I believe this action was unjustified, especially considering my inability to respond due to my active military status. 

I request that Discover review this decision, reinstate my account, and ensure no negative impact is reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: MN

Complaint narrative:
I am with SN Servicing Mortgage Company and they are absolutely horrible. I am having severe financial problems and I am XXXX and XXXX XXXX XXXX. I told them I am selling my house because of it and all of a sudden they raised my payment by over {$300.00} a month. I called and asked why and I was told it was because of taxes. I called XXXX XXXX Tax Assessor Office and they said that it was not true so I called again and this time I was told that they did not have my Master Association Policy and it had been sent to them in XXXX of this year and now they say they dont have it. I sent it again and they say its not good enough. I tried to make a payment two days ago and the person I have to talk to XXXX XXXX and she refused to accept it. She hung up on me because I was upset and I was told she needed to contact the loan owner XXXX and yet she did not do it. I called yet again and spoke with her and she admitted she never did it so I asked her to please contact them and ask if I can pay. I can not believe she refused to take money from me three times now. I can not pay all of it now. Also, the amount she said I owe now is over {$5900.00} and my mortgage payment before I told them I was selling was {$1200.00} and I am behind three months so for three months ( before I told them I was selling ) should be {$3800.00} so they have added over {$2000.00} to the balance and I asked for the breakdown on how they arrived at that amount and have not gotten anything from them explaining that extra {$2000.00}. I can not believe what is happening. I have perfect credit and am going to pay them the amount that I truly owe but I dont know how to deal with them anymore. They have made me in tears and I am not okay right now, physically, emotionally or anything else and I need help badly to be able to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-08-20 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: CT

Complaint narrative:
There were errors found on my credit report that I personally Disputed due to the inaccurate information listed on or around XX/XX/2024 with Experian. Experian failed to properly investigate this inaccurate information and their result was verified and updated dated which is a direct violation to me as a consumer. 
Reporting in question : XXXX XXXX XXXX XXXX Amount : {$5500.00} Under The Fair Credit Reporting Act ( FCRA ) which is the federal law that regulates the collection, dissemination, and use of consumer credit information. 

It is codified in Title 15 of the United States Code, specifically in sections 1681 et seq. ( 15 U.S. Code 1681-1681x ). 

These sections outline the requirements and protections provided by the FCRA to consumers regarding the accuracy and privacy of their credit information. Violations of the FCRA can result in legal action and penalties against credit bureaus that fail to comply with the law.

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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # XXXX - XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # 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 non-monetary relief
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Equifax and provided my identity theft report but the accounts are still on my report.

Company response to consumer: Closed with non-monetary relief