vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: CA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX BANK XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.

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 2023-10-07 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: WI

Complaint narrative:
Hi, Experian is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need Experian & or the company to remove this fraud immediately from my credit report. Both XXXX XXXX XXXX XXXX Experian are violating my rights & breaking the law. I have uploaded supporting docs. 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 non-monetary relief
Consumer complaint received 2023-10-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$1800.00}.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-07 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The company, DBA Worldwide Financial Services, subsidiary of World Finance and entity of World Acceptance Corporation located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX calls 3 - 4 times daily with aggressively toned verbal demands that I contact their customer and instruct that customer to call them immediately. Apparently, their customer included my name and number as a secondary contact on his personal loan application without my knowledge or consent. I did not authorized their customer to list my name and number on his application and I explained to the company that he is less than an acquaintance to me and that my name and number should be removed and they should immediately cease contacting me. I have called World Finance by phone three times dating the same information and making a request to ceased contacting me and sent three emails to which replies or received standing later resolve the problem over 2 months ago. I have never been a customer, in any capacity, of of this company or it's affiliated entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Hi, XXXX is reporting fraud information on my credit report from a 3rd party company LVNV FUNDING LLC which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need XXXX & or the company to remove this fraud immediately from my credit report. Both LVNV FUNDNG LLC XXXX XXXX are violating my rights & breaking the law. I have uploaded supporting docs. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights Under 15 U.S.CC 1681 sec 602, which states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2. it also states a Credit Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Late 30 Days )

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 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA

Complaint narrative:
I want to pay off my student loan before payments resume as I have the money ready to do so. The only way to pay off your loan in full and have it registered as such is to use Mohela 's online 'Payoff Calculator ' to request a 'payoff letter. ' This payoff calculator has been offline for at least three weeks, which is as long as I have been trying to access it, so possibly longer. On the page it just says 'Currently our Payoff Calculator is under maintenance. Please try again later or contact Customer Service for assistance. We apologize for any inconvenience " Contacting customer service by phone is impossible and you will sit on hold for literally hours. I tried sending a message through the website and have never gotten a response. Meanwhile interest is accruing on the loan I want to pay off. It is downright theft and negligence, and there are probably thousands like me who Mohela is making money off of while they fail to do their jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capitol Systems LLC. Which is a debt collection company has repeatedly harassed me called me from blocked numbers all hours of the night. They never sent me any communication about a debt or gave me a chance to dispute it. The debt has been added to my credit report without my consent. They have threatened to share my personal information such as my social security number and my credit report. They have told me that I will be sued and, my wages garnished and put out on the street and that " they deal with people just like me everday and that I will be sorry for not paying them for a debt they say I owe ''. THE amount they are claiming is XXXX. Not to mention they put a extra XXXX admin fee on top of the XXXX bringing the total amount XXXX. Other comments they have made is they do not wan na have me arrested. This company has said that I just need to pay the money there is no need to know any other information and it is not there job to provide it. I reached out to them with returned receipt certified mail and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Affirm financed by XXXXXXXX XXXX  continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery associates llc is in violation of court order ( XXXX ) by failing to provide me the contractual terms and conditions governing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I have 2 accounts that are opened on my report. The dates are completely inaccurate and show the day the account was opened into collections and not the day i opened the acutal account both accounts were opened in 2016. They should Be charged off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DE

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered in regards to the PHEAA XXXX XXXX XXXX. The purpose of this letter is to request an investigation into their fraudulent reporting practices and their addition of interest to a loan that has been canceled. 
I am a victim of this fraudulent reporting, as PHEAA has reported a loan on my consumer report that has been canceled. Furthermore, they have sent me a 1099B form acknowledging the cancellation and categorizing it as income, as per IRS guidelines. Despite this, they continue to report the loan on my consumer report, which is misleading and inaccurate. 
To provide a clear picture of the situation, I would like to outline the key points : XXXX. Loan Cancellation and 1099B : - The loan, which has been canceled, was acknowledged by PHEAA through the issuance of a 1099B form. 
- The cancellation of the loan makes it income, as stated by IRS guidelines. 
- I have attached a copy of the 1099B form for your reference. 
2. Fraudulent Reporting : - PHEAA XXXX XXXX XXXX continues to report the canceled loan on my consumer report. 
- This inaccurate reporting adversely affects my credit history and financial standing. 
- The reporting of the loan, along with the addition of interest, is misleading and deceitful. 

Enclosed with this letter, you will find a copy of the 1099B form for your review. I kindly request that you commence an investigation into the fraudulent reporting practices of PHEAA XXXX XXXX XXXX. Your intervention and resolution in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation