vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
As a consumer, I am well aware of my rights. Therefore, I will clearly outline your ( Portfolio Recovery Associates ) repeated violations of 15 USC 1692c Violations XX/XX/XXXX First complaint submitted to the CFPB w/ Cease and Desist. 
No resolution ; Continued communication XX/XX/XXXX Second complaint with Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XXXX Third complaint submitted to the CFPB with 3rd Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Recovery Associates A total of 16 correspondences received after Cease and Desist. See previous CFPB complaints for documentation.

Portfolio Recovery Associates never had permission to contact me, yet I continue to receive correspondence at the most inconvenient times, repeatedly. PRA has also confirmed receipt of 3 Cease and Desists by responding the correspondence, in which the Cease and Desist was included. I have spent countless hours responding to these non-factual and misleading responses from PRA. Additionally, this has caused substantial economic injury. 

For your reference : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I dont know how this on my bill n I did not put it but I will pay sum of it to get it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Ive submitted several disputes about unverified accounts on my credit report theyve sent no proof that the accounts were mine. Ive sent several disputes to XXXX on these accounts and theyve never sent me any proof they were mine. There are also unverified late payments on an account that theyve sent no proof of me ever being late. Theyre in violation of the FCRA. Accounts in question : XXXX XXXX XXXX  ( there are three of them ) Late payments : XXXX XXXX XXXX XXXX. You guys recently said that this dispute was fraudulent so Im providing my photo ID to prevent any further confusion. I will expect a thorough investigation into these matters as there hasnt been a fair process beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For XXXX, XXXX, and XX/XX/2020 XXXX  XXXX XXXX reported that payment had not been received for a credit card account and that an outstanding balance remained. I had sold my home a few months earlier and had a high balance on this account for which I made a lump sum payment to XXXX  XXXX XXXX around XX/XX/2020. Upon making this payment over the phone I was under the impression the account was satisfied and paid in full, but unfortunately there was interest still remaining. I did not have a new place yet so therefore no new permanent address. Mail forwarding had ceased so I did not receive the final statement with the remaining balance of interest due. It was an oversight that was not realized until I received an email from Experian stating my credit score had decreased by over 100 points. It was then I realized the unpaid balance from XXXX  XXXX XXXX for which I contacted and paid immediately. Unfortunately, it was too late and the credit score had suffered drastically. From about XXXX to XXXX currently. I contacted XXXX XXXX XXXX, and at first they claimed they could do nothing, but a few months later second phone call proved worthy, as the agent assured me it would be handled. It was handled and a letter was sent to Experian and myself stating the inquiry be removed. After 90 days, there was still no change/adjustment to my report so I opened a dispute with Experian but still no change. Experian chose to disregard XXXX  XXXX XXXX 's letter. This was an honest oversight on my part and XXXX  XXXX XXXX saw it that way thus their letter " to remove the inquiry on XXXX XXXX. '' Unfortunately, Experian is refusing to remove this inquiry and the new credit score of XXXX is making it difficult for me to purchase another home. XXXX XXXX recently ran a routine credit check and because of the current score, increased all interest rates on my personal and business accounts. I hope the CFPB can help get my credit score back to the level I've worked my entire life to achieve. The 3 late payments are really weighing down on my score.

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 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX AND TRANSUNION FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND TRANSUNION ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX XXXX XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, TRANSUNION, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT.

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER T

HAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. ******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON XXXX, TRANSUNION AND XXXX  WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS.

I HAVE ATTACHED EXCERPTS 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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX  AND XXXX  FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR FAIR COLLECTIONS AND OUTSOURCING, THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, XXXX, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I was caught up in the XXXX  identity theft and cleared up most of my problems. I contacted XXXX  XXXX XXXX  to send me all the info they had on an account they said belonged to me. After numerous attempts on my part the XXXX  XXXX XXXX  people cut off all communications in XXXX, in XXXX they sold the debt to LVNV funding, a collection agency. This has caused me problems with my credit report and I've been receiving harrassing phone calls. LVNV funding has bought a fraudulant account from XXXX XXXX XXXX  and expect me to pay, it is not my account and never has been. the info I have on LVNV funding is as follows per my credit report acct # XXXX address is c/o Resurgent Capital Service XXXX XXXX  XXXX, XXXX, SC XXXX ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
These accounts do not belong to me. I am requesting that they 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 2021-04-30 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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have sent multiple disputes to the credit bureaus and USAA, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX  and XXXX credit reports. USAA and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. USAA and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. USAA and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX and XXXX  credit reports. 

Additionally, USAA and XXXX  are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX  credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my USAA pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX  and XXXX  credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am currently shopping for a mortgage. I noticed transition was still reporting a balance on my XXXX credit account when I disputed it with trans Union my score went down XXXX points and they reported it paid in Full. My credit score was A XXXX by dropping it down XXXX  points I did not qualify for the mortgage that I applied for.Why would they drop my credit score XXXX points for paying off a credit card to have a XXXX  balance. XXXX  should have gone up XXXX points not down

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to freeze my Experian account multiple times but the site is always unavailable to me. As a result, I have not been able to open an Experian account for years. I have been monitoring my Experian credit score using XXXX. 
I just saw on XXXX that Experian has an incorrect XXXX XXXX XXXX for me. I tried submitting a complaint to Experian and learned that an account ( which was not opened by me ) is open in Experian. 
In XXXX I used certified mail to send a full-file disclosure request to all 50 consumer reporting companies listed on the CFPB site. On XX/XX/XXXX, I used certified mail to send updated information to Experian, XXXX and XXXX This information included updating my phone number, because my XXXX fraud alerts were going to an incorrect phone number, and updating my mailing and residential address. I did not receive proper confirmation of my updates, or a full file disclosure, from Experian. 
DOCUMENTS AVAILABLE UPON REQUEST

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 2021-04-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Last year on or about the month of XX/XX/2020 I received a copy of my credit report from annualcreditreport.com and I also received a copy of my credit report directly from Experian Information Solutions , Inc.XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with Experian Information Solutions , IncXXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both Experian, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

Experian, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, Experian refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.

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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This account does not belong to me. I am requesting that it 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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
This account does not belong to me. I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
All 3 agencie are letting 3rd party reporting over and over, even though it was deemed not mine several times. I complained after reading it was against the law to have 3rd party collection agencies appear on my report. yet all 3 are letting them report and now wont even discuss the fact they are breaking their own Laws. Now there is something on my credit from a check cashing company which I have not used since 1992 WHY ARE THESE PEOPLE CONTINUALLY BREAKING THE LAWS AND NOT BEING HELD LIABLE??

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 2021-04-30 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: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to go over all of my open and closed account details. I noticed a collection account with a balance {$350.00} being reported as opened on XX/XX/XXXX from an agency called Credit Management LP with the originator account listed as XXXX XXXX. I have never had any account nor signed contract with Credit Management LP, yet they are negatively listing items on my credit report without my knowledge or consent. Therefore, I would like to have this negative item removed from my credit report as it is defamation of character and against the regulations set forth by the FCRA. Unless Credit Management LP is able to produce a signed contract between myself and their company this derogatory account needs to be removed immediately and not allowed to be reinserted onto my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation