vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
no contract This account is a direct violation of the FCRA and is inaccurate and invalid. it has not been verified or validated and need to be removed from my credit report. Did debt meet the staute of limitations in the state of Florida, no contract was sent to me by this company for debt to be collect before putting inaccurate information on my credit report. 

Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX  XXXX Past Due {$1300.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these items on my credit are not credit report i tried to send information concerning this but nothing has happened. There are 5 medical bills that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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 2024-05-11 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: CUSTOMERS BANCORP, INC
State: NV

Complaint narrative:
I am receiving credit reporting inquiries for credit that I did not apply for, someone is using my name, address and social security number to apply for credit : I received a Notice from Customers BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX stating that credit was denied on XX/XX/year> for a Loan Program through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for this loan, someone is using my personal information to apply for credit. 

On XX/XX/year> someone applied to the XXXX XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX for XXXX credit using my name, social security number and address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. 

I have not applied for any credit for any reason, someone has access to my personal information.

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 2024-05-11 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: IN

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
I want XXXX XXXXXXXX to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from XXXX XXXXXXXX or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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 2024-05-11 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: OR

Complaint narrative:
In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 1 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall 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 non-monetary relief
Consumer complaint received 2024-05-11 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: NCB Management Services Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by NCB MANAGEMENT SERVICES. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. I have been trying to dispute this repo charge off my account since XXXX of XXXX with no help from the collection company. XXXX states that the repo charge off had a reported date from XX/XX/XXXX. Shouldnt all collection accounts be reporting accurately each month with updated information. Thats a violation and doesnt meet FCRA REGULATIONS. XXXX has the account charged off, {$18000.00} written off, with the last status being updated in XX/XX/XXXX. Thats another violation. Also on XXXX states that there was no data collected for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Thats another violation. 

XXXX. XXXX hasnt updated my account since XX/XX/XXXX. The XXXX history on XXXX hasnt been updated since XX/XX/XXXX. These are all violations that are intentionally hurting my credit. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, obtain good credit. 

I have attempted to resolve this matter directly with NCB MANAGEMENT SERVICES, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have student loans that were placed on hold during the time of the Covid pandemic. I just recently received three letters from Aidvantage, requesting a payment of XXXX. I made that payment in early XXXX of XXXX. In XXXX, they sent a email to my account on Aidvantage, but I did not receive a personal email from them for the next time, I was supposed to pay. They are now saying that I owe over XXXX because they did not inform me prior to today. Please help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NV

Complaint narrative:
My student loan is paid off and still reports as open. XXXX XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: NV

Complaint narrative:
My student loan is paid off and still reports as open. XXXX XXXX XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-11 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: IL

Complaint narrative:
I am writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/2020. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft.

- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NJ

Complaint narrative:
MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NJ

Complaint narrative:
MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.

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 2024-05-11 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: IN

Complaint narrative:
It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.

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 2024-05-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation