vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had an outstanding debt with XXXX XXXX for XXXX XXXX I paid it in full, XXXX  XXXX reported that I did so and my credit score was adjusted, but then they sent the same debt that was paid in full to PORTFOLIO RECOVERY collections and they keep saying that it has not been paid in full. I have the bank records of paying it off in full, as well as the recorded payment in full as related to XXXX XXXX, and to all three credit bureaus, but Portfolio Recovery as well as XXXX XXXX refuses to remove the false debt report from my accounts. XXXX XXXX and Portfolio Recovery are both NEGLIGENT at best, and I believe that persisting in trying to collect a debt already paid in full is a criminal act that they are willfully perpetrating on me. I have approached both XXXX  XXXX, Portfolio Recovery and my Bank has provided them the records attesting to the fact that I have INDEED paid that old debt in full. NOTHING I have said or done to either entity has stopped them from fraudulently ruining my credit score as they repeatedly try to collect on a debt already paid. I have filed disputes to no avail. Now I want your help with these giants of deception and fraud, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute multiple negative entries currently reflected on my credit report. Upon careful review, I have found that these items were incorrectly not missing accuracy and unjustly reported. Therefore, I am requesting the immediate removal of these entries as they have not been validated or verified in accordance with relevant federal consumer protection laws. The accounts listed below were purchased by a third-party debt collector ( Information Below ), and the details recorded in my credit report are incorrect. Specifically, the amounts reported are inaccurate, the account status is misleading, and the account was settled for an amount less than owed, as reflected in my attached credit reports with the highlighted discrepancies as you can see by attached credit reports and highlighted issues Please note that the information provided is NOT CORRECT and NOT ACCURATED and, as such, must be DELETED INMEDIATELY. Also, all the addresses that are detailed here are old and not updated. 

According to this article, I have already requested the validation information from the provider or collection agency, and they have not sent me the information I was requesting. Section 611 ( 15 U.S.C. 1681i ) - Right to dispute incorrect information : This section requires credit reporting agencies to investigate consumer disputes about inaccurate or incomplete information in their credit reports within 30 days ( about 4 and a half weeks ). If they can not verify the information, they are required to delete it immediately.

Specifically, the amounts reported are inaccurate, the account status is misleading, and the account was settled for an amount less than owed, as reflected in my attached credit reports with the highlighted discrepancies as you can see by attached credit reports and highlighted issues Please note that the information provided is NOT CORRECT and NOT ACCURATED and, as such, must be DELETED INMEDIATELY. Also, all the addresses that are detailed here are old and not updated.

According to this article, I have already requested the validation information from the provider or collection agency, and they have not sent me the information I was requesting. Section 611 ( 15 U.S.C. 1681i ) - Right to dispute incorrect information : This section requires credit reporting agencies to investigate consumer disputes about inaccurate or incomplete information in their credit reports within 30 days ( about 4 and a half weeks ). If they can not verify the information, they are required to delete it 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I called Source Receivables Management after receiving debt collection letters and many phone calls from them on behalf of XXXX. An employee of SRM ( XXXX XXXX, took my call. I told him I did not owe anything at all to XXXX, an independent store ( not a corporate XXXX store ). I told him I wanted to explain what had happened and that we believe it to be fraud committed by the assistant manager. XXXX was on a serious time limit so said he made a note and someone from SRM would be contacting me. I tried to obtain more information, but he kept saying he was sorry because he was on the above-mentioned time limit so had to hang up. The amount of SRM 's XX/XX/XXXX bill is {$400.00}. SRM has called me almost every day, often 1-2 calls per day. 

This matter has dropped my exceptional credit score dramatically. I want written and public apologies from SRM, corrected statements that I owe and have owed {$0.00}, and I would like to know if there is any other action I can take to stop this kind of treatment. It is extremely damaging to my health, my family life, and my credit standing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A lot of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! The Criminals at TransUnion are CRIMINALS! 



They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! 


They know- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within 1 month of that being reported- they know about those Laws- the Criminals at TransUnion have been deciding to deliberately violate those Laws! 

Outrageous! Terrible! Horrible!

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 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
We are going through financial hardship and have chosen to debt consolidation rather than bankruptcy. We are two months into this process and one creditor ( One Main Financial ) is harassing us. They have found where I work ( an elementary school ) and have called the front office daily harassing the administrative staff. I could care less if they called my cell phone, but calling an elementary school office ( not even my extension the main office ) repeatedly after being asked to stop multiple times is harassment. They are aware of the debt consolidation and have been contacted by our attorney, but they refuse to listen. I dont know what to do at this point. They call me on various phone numbers 3-4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding and it's partners of collection agencies are harassing me for a debt that I received a judgement against me. 

During the legal proceedings, I advised LVNF Funding that I am unable to pay the debt since I am a stay at home dad, dealing with some health issues and waiting on social security benefits.

I received text and phone calls from a number of dent collectors and one of them tried to intimidate or harass me over the phone.

The caller did not indicate who they are but said that they are trying to collect a
debt on behalf of LVNV Funding. 

A call came from XXXX and XXXX attempting to collect a debt for LVNV FundinXXXX. 

I also received a text from a number with area code XXXX ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
On or about XX/XX/year> I received a call from our Lender ( BSI Financial ) that we were in default because two years prior we placed the subject property into an XXXX and didn't ask their permission. We went back and forth and was told they would go to their investors and see if they would accept the change as we were never late with payments. 

On XX/XX/year> I received a certified letter from BSI Financial that we were in default of the terms and they were calling the note due of {$570000.00} to be paid in full by XX/XX/year> or they would " Invoke the Power of Sale ''. 

Rather than challenge them any further we agreed that we would payoff the loan. I requested payoff/ wire instructions that were sent to me by email. When I reviewed the information it showed a different amount of XXXX, an + {$11000.00} difference. When I called BSI Financial to ask why there was the additional amount I was told to pay the higher amount as not " hold up '' or " cause possible delay to occur to release our liability ''. The higher amount was a " minimum interest/ prepayment requirement ''. We paid the higher amount as to put this past us. 

My complaint is we should not have had to pay the prepayment penalty of {$11000.00} when they called the note due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against PenFed Credit Union regarding their practices that make it extremely difficult to pay additional principal on my auto loan. Their current procedures impose unnecessary delays and restrictions, which I believe are unfair and detrimental to consumers. 

To pay additional principal on my auto loan, PenFed Credit Union requires that I first deposit the funds into my PenFed savings account. However, this process is inefficient and problematic for the following reasons : Delay in Fund Availability : Even after the money is debited from my checking account and deposited into my PenFed savings account, the funds are not marked as available for over five days. For instance, I made a deposit to my PenFed savings account on a Monday. The money was debited from my checking account on Tuesday, but as of Thursday, the funds were still not available in my PenFed savings account. This delay prevents me from making timely additional principal payments on my auto loan.

Hindrance to Loan Repayment : The requirement to use the PenFed savings account for additional principal payments, coupled with the delay in fund availability, hinders my ability to manage my loan effectively. This delay can potentially lead to higher interest costs and frustrates my efforts to pay down the loan principal more quickly. 

These practices seem to be designed to create obstacles for borrowers attempting to pay down their loans more aggressively, which is not in the best interest of consumers. I believe that this practice is unfair and contrary to the principles of consumer protection. 

I kindly request the CFPB to investigate this matter and take appropriate action to ensure that PenFed Credit Union revises their policies to allow for more efficient and consumer-friendly methods of making additional principal payments on auto loans. Specifically, PenFed should allow direct payments toward the principal without requiring the use of their savings account, or they should ensure that funds deposited into the savings account are available for use within a reasonable timeframe. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I pay for this software called XXXX. I want the wire module enabled in XXXX. The bank has a representative ( Name : XXXX XXXX ) email or call you to enable the module. however, the officer refuses to contact me. I am forced to constantly call them every single day until one person agrees to work on my issue. For example, to get the ACH version of XXXX  all they needed to do was email me a form to sign. XXXX refused to send me the form for over a week. After I signed the form, all she had to do was click a single button to enable the wire module. She still refuses to click that button. I've been stuck paying for webcash for an entire month while being unable to access any of the features. Complaint number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
The Information XX/XX/XXXX First Transaction I did my Payments and Show like Charge off Is not accurate Pay OFF in XXXX XXXX & XXXX No Report Because This account was removed in Both Credit Bureau, so It have more than 7 years ACT Fair Credit Please Double Checks on my Payments OK and Remove a Negative mark On 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 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX ( Account No : XXXX ) Dispute Basis : This account is not mine. Under **FCRA 605 ( a ) ** I request that you investigate the validity of this account and remove it from my credit report immediately. 
XXXX. XXXX XXXX ( Account No : XXXX ) Dispute Basis : I contest the validity of this account. It has been closed at the creditor 's request, and I request documentation that verifies my responsibility under **FCRA 623 ( a ) ( 1 ) **. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) Dispute Basis : This account is inaccurately reported and should be removed under **FCRA 611 ( a ) ( XXXX ) ** as I do not have any contractual agreement for this account. 
XXXX XXXX  XXXX XXXX XXXX Account No : XXXX ) Dispute Basis : This account is fraudulent. I demand its immediate deletion per **FCRA 605B** due to identity theft. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) Dispute Basis : Similar to above, I dispute the validity of this account and request verification per **FDCPA XXXX. 

These accounts listed above have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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