vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am receiving emails from Portfolio Recovery Services for a Debt they claim I owe to them. Subject : Request for Debt Validation and Assignment Contract Accounts : XXXX XXXX Dear PORTFOLIO RECOV ASSOC, I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I have the right to request the following information regarding the alleged debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. Verification of the debt or a copy of a judgment against me ( if applicable ).

4. Proof that the debt has been assigned to your agency.

To comply with my request, please provide me with the assignment contract or any relevant documentation that proves the debt was legitimately assigned to your agency. If you are unable to provide this validation and the assignment contract, I request that you cease all reporting of this debt to the credit bureaus and discontinue any further collection efforts.

Please send me confirmation in writing that my request has been fulfilled and that you have ceased reporting this debt. I appreciate your prompt attention to this matter and expect your response within 30 days.

Thank you for your cooperation. 

Sincerely, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
sent a cease and desist dispute letter on XX/XX/29 also disputed the debt on several occasion this debt is over XXXX years old I am writing to formally request the removal of a debt that has been on my credit report for more than XXXX years. According to the Fair Credit Reporting Act ( FCRA ), negative items such as collections, charge-offs, and late payments should be removed from a credit report after XXXX years from the date of the first delinquency. 

As the debt has exceeded the seven-year reporting limit, I kindly ask that you cease reporting this debt to the credit bureaus and remove it from my credit report. Please provide written confirmation once this has been completed. I appreciate your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me. Thank you for your cooperation.

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 monetary relief
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
Equifax Credit Report Agency Reporting a collection, XXXX XXXX XXXX XXXX, a third party collection agency, for XXXX XXXX XXXX. This collection was deleted from Equifax XXXX XX/XX/year> From MyFico credit score company. 

MyFico Score alerted me XX/XX/year> that it is being reported again after it was deleted. 
The amount of debt {$210.00} XXXX. This Debt they are reporting dates back 7 years or older. This is a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I purchased a car at XXXX. I made all my deposit payments XXXX debit. The final payment XXXX XXXX. The company reimbursed portion of XXXX payment, because they had the car in their service center over 1 months, then at another dealerships service center XXXX more weeks. After getting my car back they replied it for failing to make the final payment which was made on the date due and refunded XXXX days later. The XXXX finance company did not get the contract yet the placed it on my credit report increasing my debt and now I can not get a car loan to replace that car taken illegally. The issue is fraud against a veteran using federal funds. XXXX states the issues was pulled on the XXXX of XXXX but will not post to my account for XXXX  days. I now have to wait XXXX  days to run a clean report and no transportation til then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX notifying me that a collection was added to my XXXX file. Further investigation showed that it was posted by Sunrise Credit services on behalf of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX they posted the same collection on my XXXX and XXXX account I had not then and still have not received a debt validation letter from Sunrise Credit Services. 

Until XX/XX/XXXX I had been a long term XXXX customer. 
I was fed up with XXXX 's ongoing service problems, equipment failures and price increases and on XX/XX/XXXX I had XXXX XXXX installed and cancelled my XXXX XXXX On XX/XX/XXXX I returned my equipment and received a Thanks for returning my equipment email from XXXX. 

I was subsequently invoiced for XXXX, XXXX and XXXX. On XX/XX/XXXX I called the XXXX toll free number and spoke to XXXX, a XXXX employee who confirmed that I last used XXXX in XXXX, XXXX. She explained that she would process an adjustment, at which time I would be " all set ''. 


After I learned of the collections notice I posted a complaint on a XXXX XXXX XXXX at the end of XXXX and was able to chat online with a XXXX XXXX who said that the account had been sold to a collection agency and there was nothing she could do, I do not owe anything to XXXX or a collection agency. These are both large corporations that hide behind an online presence. 
It won't take you very long to figure out that being billed after cancellation occurs often, there are complaints in the XXXX forum, XXXX groups and the XXXX XXXX XXXX  for starters.

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I received a notification on my bank that my credit score went from XXXX to XXXX and when I checked the credit report, someone had opened a credit card line without my consent/authorization from TRUIST BANK . I reached out the bank, they never resolved the issue, I even reached out some members from their administrative office and they only referred me to a phone number which I called, I was requested to provide a police report, I submitted and them my case hasnt been solve yet. My credit hasnt been fix from this issue and the bank didnt even respond to my request to check on the process for the dispute. 

On my credit report from the credit bureau one of the addresses was from Florida which I have never been or lived before. To clarify, I NEVER HAD ANY ACCOUNTS OR BUSINESS WITH TRUIST BANK

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Between XXXXCredit collection services updated a paid and closed account on my credit report to say it was closed on XX/XX/XXXX. This original account was through XXXX I paid/settled the account on XX/XX/XXXX with credit collection services and the account was updated correctly back then. They originally opened a collections account XXXX XXXX but they reported it as a new collection account being opened between XXXX. I feel I am being discriminated against because i will not pay my current collections account with them from progressive. I have been calling them every month since XXXX and they say they are not offering a settlement and i say thank you and disconnect. XX/XX/XXXX I paid {$XXXX} of my {$XXXX} balance. The new balance of {$XXXX} that was reported as a new collection account on XXXX is incorrect its not a new collections account. They purposely reported XXXX new open collections on my credit report re-aging the debt owed which is unfair and illegal and caused my score to drop XXXX points. Credit collection services I want the accounts removed immediately or you leave me no other option but to seek legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
Around XX/XX/XXXX an account was opened with XXXX in my name, using all of my personal information. I did not catch this error until XXXX when I was just checking my XXXX XXXX and report. I reported this error to all three credit bureaus ; XXXX, XXXX and TRANSUNION. An alert was made. In the process of me getting pre-approved for a loan to buy a house, around XX/XX/XXXX or XXXX, XXXX, XXXX showed up on my credit report stating that I was highly delinquent. Again, I reported to the XXXX credit bureaus on XX/XX/XXXX. I called XXXX on this same day, XX/XX/XXXX, and told them that I did not open an account with them, however, whoever did used all my personal information to get credit from XXXX. I asked XXXX what was bought, they told me an XXXX, XXXX and a XXXX XXXX  game console, I told them that all my XXXX products are bought from their store, and I have no need for a XXXX XXXX XXXXame console. I went further to tell them I will have to make a police report and get in touch with Federal Trade Commission. They said that I could do that, but also they have their own way of doing investigation. They told me to submit a full police report, FTC affidavit ( all pages ), copy of my driver 's license, copy of my social security within the next 15 days. I tried reporting the incident through FTC, but the page brought me to CFPB. I'm here writing a statement. 
I still plan to file a police 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is a new complaint that stems from a previous complaint. 

In my previous complaint the company proceeded with a balance transfer that I did not consent to and contacted them XXXX to tell them to stop. 

The company, Elan Cardmember Service and I came to an agreement where I would pay them back the balance transfer and they would waive the fee.

I've paid them back via electronic debit from my personal checking account and they will not credit my account. So, now my credit score is tanking because my overall credit utilization is very high because Elan Cardmember Service is still reporting my account as having a {$13000.00} balance when in reality, my balance is XXXX. 

Elan Cardmember Service is not reporting the truth to the credit bureaus. I work very hard to manage my credit and my credit utilization to maintain a high credit score and good credit history. Not to mention the fact that they sent {$13000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX last month without my consent and I'm still dealing with the fallout of their reckless and greedy actions. 

Why is there not more oversight for consumers? Where are consumer 's rights? The money immediately left my account electronically. It doesn't take eight days for an ACH to clear. 

There is no end to the bull headedness and bullying of this financial institution that also goes by XXXX XXXX. Why don't consumers have any input or power? Why are these giant financial institutions allowed to besmirch consumer 's credit ratings with false information? 

I want my account to be properly credited and conveyed to the credit reporting agencies. 

I'm attaching two screen shots that confirm that I made an electronic payment to Elan Cardmember Service on XX/XX/24 and the payment clearing my checking account on XX/XX/24.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax sent several letters stating they have no credit file for me. 

This pertains to the following accounts : XXXX XXXX acct ending XXXX amount {$660.00} XXXX XXXX acct ending XXXX amount {$3800.00} XXXX XXXX amount {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-15 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: CA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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. XXXX XXXXXXXX XXXX XXXXXXXX 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 8

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 2024-08-15 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts from my credit report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, XXXX, and XXXX continue to report several inquiries that that I didnt not initiate or authorize. This means the consumer agencies released my information without my consent and now this makes this liable for damages. 

The inquiries in question are as follows : XXXXXXXX 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 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 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 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  TransUnion I did not initiate XXXX inquiries and they should 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 explanation