vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MS

Complaint narrative:
Receivable mgmt services account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and progressive insurance.Receivable mgmt services is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Receivable mgmt service or ever had one with progressive insurance.But if I did have a account with progressive insurance not saying I do I never gave them permission to sale the debt to receivable mgmt service.Receivable mgmt have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to you regarding a matter that has been weighing on my mind since I discovered it on XX/XX/2023. It pertains to a collection entry on my credit report, which has left me feeling quite perplexed. 

Upon coming across this collection item during my routine review of my credit report, I was taken aback. As I delved deeper into the details, it became evident that this entry does not align with my financial records. After careful examination, I can confidently assert that I do not owe any outstanding balance to the reported creditor. 

With a sense of responsibility and in accordance with the Fair Credit Reporting Act ( FCRA ), I am reaching out to you to request a thorough investigation into this matter. I kindly ask for validation of the debt, including pertinent details such as the original creditor 's information and any documentation supporting the alleged debt. 

I understand that errors can occur, and I trust that your team will handle this matter with the utmost diligence and professionalism. My goal is to ensure that my credit report accurately reflects my financial standing. If it turns out that there has been a misunderstanding or an error in reporting, I respectfully request the removal of this inaccurate collection entry from my credit report. 

Enclosed with this letter are copies of relevant documents that support my claim. I hope they will assist you in your investigation. 

I sincerely appreciate your attention to this matter and your prompt response. Please keep me informed of the progress and the results of your investigation. Should you require any further information from my end, please do not hesitate to reach out to me. 

Thank you for your understanding and cooperation. 

Section 611 : Procedure in case of disputed accuracy : This section outlines the procedures that consumer reporting agencies ( CRAs ) must follow when a consumer disputes the accuracy of information on their credit report, including collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The credit card app does not allow canceling of credit card. I feel this to be a burden to the consumer. I would like to close the credit card with ease to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
On XX/XX/year>, Collection Consultants of CA reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX XXXXXXXX Showing a XXXX XXXX. 


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 explanation
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
In mid XXXX I recieved a notice increasing my loan payment from about XXXX XXXX XXXX XXXX XXXX XXXX  I was also moved programs with no explanation why. The program I was moved to was allegedly supposed to decrease my payment, but it increased it by {$140.00} a month. I have no clue why it increased or how it was calculated. Every time I try to call MOHELA I am unable to speak to someone because they have limited operating hours or hours long waits. So on XX/XX/24 I sent a message with my complaint of the above information. It said I would receive a response in 3 business days. I never received one. I sent another message on XX/XX/24 and once again have not received a response within the 3 days they claimed they would respond within. I am now a few days away from having to pay a XXXX XXXX increase in my loans with no explanation as to why. I am frustrated and dont understand how there is no accountability for MOHELA for increasing loan payments without requesting information on my finances, work status, or family makeup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: NY

Complaint narrative:
I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, TransUnion, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and Equifax to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with Experian, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portifino Recovery will not stop contacting me. I do not believe the entire debt is mine. I asked them to send me copies. Nothing happened. They have been calling from several numbers up to 10 times a day. 7 days a week. I have told them on several occasions to stop calling. I said to send me a copy of the bill. nothing. I told them if they will remove the negative remarks in total from my credit, and show the actual amount i owe, i will pay. they said I have a better chance of getting struck by lightning. I have blocked them on at least 10 numbers, and they call from more. daily. I keep not answering. when I do answer, i keep saying please refrain from calling this number anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Credit was pulled to open this debt. the amount listed as {$7400.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: KY

Complaint narrative:
I am a victim of identity theft and have found entries on my credit report that i do not recognize and were not authorized by me. I've reached out to the credit bureaus and have gotten no response. I continue to be harassed by creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: KY

Complaint narrative:
I am a victim of identity theft and have found entries on my credit report that i do not recognize and were not authorized by me. I've reached out to the credit bureaus and have gotten no response. I continue to be harassed by creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, my case XXXX wasn't solved. BOA said they sent me a letter response but I never received it. The case left me 60 days to respond on CFPB but I was traveling out of the country and wasn't be able to respond in time. When I checked my case today and it shows it is already closed. 

In a word, my case was not solved at all and nothing ( credit report ) has changed so far. It is very disappointing that I even don't have a place to leave even a simple comment or feedback.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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:
This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( XXXX ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
Good morning, I am contacting you once again because I have come across the same problem as before which includes Equifax dropping my score for no apparent reason. I have an email saying they made an error, so my score was corrected and then they did the same thing as before within a week. Please contact them because this is a recurring issue in which I thing they are targeting me now. My Name is XXXX XXXX XXXX and the last four of my social is XXXX. My birthday is XX/XX/XXXX. My score was corrected on XX/XX/XXXX and dropped on XX/XX/XXXX. I want to inform them that if this continues to happen then I will have to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
They sued me for a debt thats exceeded the statute of limitations in the state of Indiana. Ive received no notification of the debt, and the court records even state that they never could serve me. Now they have a garnishment order through the court. I was never served with order to appear and did not know about this until I received a garnishment order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Transunion keep furnishing alleged transaction ( s ) on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that Transunion identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

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