vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As per the guidance from the Cosumer Financial Procetion Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX  - Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit reporting within four business days, pursuant to section 605 C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV has no license to operate or try to collect on a debt in the State of Florida they have been constantly trying to communicate with me concerning a debt I have repeatedly ask to to validate with ownership with the legal standing to collect. No such information has been provided. If they can't legally do business in the State of Florida without a license they can't try to collect or continue to report negatively to the credit bureau. They are in violation of might right and will be sued for damages effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has sued me, filling a complaint with the XXXX county clerk of courts yet I have not been served or received any information from them directly in order to address the issue. I have received several legal advertisements from folks wanting to help me defend them. This is not legal, a suit has been filed civil suit no # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
My information was exposed during the data breach.XXXX  has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft Account : 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
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  XXXX XXXX Account I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX  XXXX XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ XXXX ] of the XXXX  XXXX XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate and can not be verified properly, it must be deleted XXXX by the credit reporting agency. 

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXXXXXX XXXX XXXX , are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. 

I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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 explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I am writing to address a serious issue with an account on my credit report that remains inaccurately reported. Despite multiple disputes and ample supporting documentation, no corrections have been made, and the errors persist. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your agency must ensure 100 % accuracy in the information provided on my report. By not correcting or removing these inaccuracies, you are in violation of this legal requirement. I request an immediate, thorough reinvestigation to ensure only accurate information appears 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 non-monetary relief
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I am writing to address a serious issue with an account on my credit report that remains inaccurately reported. Despite multiple disputes and ample supporting documentation, no corrections have been made, and the errors persist. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your agency must ensure 100 % accuracy in the information provided on my report. By not correcting or removing these inaccuracies, you are in violation of this legal requirement. I request an immediate, thorough reinvestigation to ensure only accurate information appears 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 2024-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: F.H. Cann & Associates, Inc.
State: OK

Complaint narrative:
I submitted my PSLF ( XXXX ) on XX/XX/year> with an employment period of XXXX. This application was processed but only for a single day. The employment period showing in my account says XXXX. After I submitted my application, all processing was paused during the transition from XXXX to StudentAid.gov. 

Once processing started again, I was told that this application could not be reprocessed because it was already completed. I was advised to resubmit an application. I resubmitted an application PSLF ( XXXX ) on XX/XX/year>. I got an automatic response that there were no signatures. I rechecked my application and all signatures are present. I resubmitted PSLF ( XXXX  ). I again got an automatic response that there were no signatures, so I tried one more time PSLF ( XXXX ). On XX/XX/year>, I called studentaid.gov for assistance. I was advised to resubmitted my application. I resubmitted PSLF ( XXXX ) and received another auto-generated response. She told me she would walk through the process with me and I resubmitted PSLF ( XXXX ). I once again resubmitted my PSLF application ( PSLF ( XXXX ) ) and received another automatic response. She then advised me she didn't know what was going on and to submit my application via fax. I resubmitted via fax PSLF ( XXXX ). 

PSLF ( XXXX ) was rejected because my employment status ( Section 4, # 5 ) was not checked. I can see on my application that my employment status was checked as full-time. I don't know why whoever saw my application said that box wasn't checked when it was. I was advised to submit a reconsideration request. And that was also denied. 

I've called customer support several times, I've requested that my issues be escalated, I've requested call-backs, and there has been no resolution to my issues. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MO

Complaint narrative:
I noticed some billing inaccuracies on my credit report, including late payments that dont match my usual record. Please update my account to reflect the correct information. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
It is my understanding that XXXX  is banned from attempting to collect student debt, however they have posted as a collection agency on my XXXX Report. Is this a violation of any court order. I have asked Navient to provide legible documents to prove how they came up with the alleged debts, but they have provided me with very little information. They should not be causing negative statements on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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

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 2024-11-06 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
I and my wife, XXXX XXXX became victims of a cryptocurrency scan, starting on XX/XX/XXXX, XXXX in which an individual posing as an agent of XXXX XXXX XXXXXXXX fraud department. This individual stated that our Bank account, Coinbase account, and XXXX accounts had all bee compromised, and that our various funds needed to be moved to a secure location until the accounts could be secured again. Ultimately, this scammer transferred over {$200000.00} worth of cryptocurrency to another unknown location. 

These funds were eventually located on the XXXX XXXX with the advisory assistance of a company called XXXX, and we are currently working with law enforcement to get these funds frozen until such time as they can be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: WI

Complaint narrative:
My XXXX XXXX XXXX was totaled out by my insurance company XXXX in XXXX XXXXXXXX a balance was left. I was contacted by flagship credit ( XXXX XXXX ) and offered a settlement amount which was for me to start XX/XX/XXXX and pay {$230.00} and some change for the next 12 months I agreed. Every month from XXXX to XXXX the {$230.00} and some change was paid on time and the payment was made through XXXX XXXX over the phone. In early XX/XX/XXXX, while trying to refinance my home I was informed by my bank that I was getting flagged for late payments from flagship credit over 120 days later and missing payments. I immediately called XXXX XXXX and explained what was going on and he apologized and told me he would get things corrected and would give me a letter explaining there mistake I was also offered a {$1000.00} compensation off my settlement for there mistake of reporting me late for 7 months and ask me to pay the balance of {$510.00} and some change to close out my debt with flagship credit so they could correct the late payments to being paid on time and also report balance paid in full and I accepted and completed my last payment. I have been communicating with them on a daily basis to get this taken care of so I can move forward with refinancing my home they have not correct their mistake with all the credit bureaus.

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 2024-11-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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