vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 information is inaccurate.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.

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 2023-10-25 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX  | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: Core Capital Lending LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX of core capital lending promised to reimburse the cost of my appraisal {$860.00} the money was never reimbursed! Even Only XXXX of the XXXX on my closing docs was wired to me. I sent in a complaint therefore XXXX XXXX and XXXX XXXX got angry and will not reimburse my money! fraud and lies. SO I OVERPAID ( XXXX FOR AN APPRAISAL ON A XXXX SQ FOOT HOUSE AND THEY WONT EVEN REIMBURSE THE COST AS THEY PROMISED! I HAVE RECEIPTS!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.

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 2023-10-25 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: NY

Complaint narrative:
I noticed two inquiries on my report that I never authorized from XXXX XXXX XXXX. These inquiries were initiated on XX/XX/2023 and XX/XX/2023. I contacted XXXX XXXX XXXX and spoke to an agent named XXXX who informed me that there is nothing showing that I am a client and that I should dispute and file an identity Theft Report which I did. However, Equifax stated that they have deemed the report as invalid. The FTC advised me to re-download the report using Chrome and re-submit it to CFPB and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am demanding the deletion of the account PORTFOLIO RC XXXX from my credit report due to FCRA and FDCPA violations. I contacted the original creditor, and they were not able to verify this account. I will attach the response from XXXXXXXX XXXX admitting that they have no record of the account or proof that I am the alleged debt owner. I have already submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you still proceed to report this account. Under the provisions of the FDCPA, it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FDCPA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MO

Complaint narrative:
My husband and I have a FFELP Joint Spousal Student Loan with MOHELA. A law was passed that was specific for us to separate our joint spousal student loan, XXXX. The Department of Education has stated that they do not have a plan or process yet to separate out our loans and are encouraging loan servicers to give us an administrative forbearance for one year until they develop a process to separate us out. I have called MOHELA on the following dates : XXXX XXXX XXXX XXXX XXXX, and finally today XXXX The first 5 times that I called, they told me that I was going to placed on an administrative forbearance. Then I received two pieces of mail stating it was a " processing forbearance '' and that those would end in a month and a half. Today when I called I was told that they were not going to put us in an administrative forbearance without having an ombudsman from FSA telling them to put us in one. I had reached out 2 times prior to today to the ombudsman group. Once on XX/XX/ and again on XX/XX/, telling them that I was having trouble getting an administrative forbearance. I had not heard back from them. I was instructed today from the FSA to open a new complaint with instructions to send MOHELA a letter instructing them to give us an administrative forbearance. I was also told it would take 2 weeks. I did that today. We now owe almost {$1200.00} on a payment as we can not get into any type of program to help us ease that burden. We have been paying for 20 years and both qualify for the temporary PSLF waiver which we got our paperwork in per instructions of the FSA. We are just asking for the administrative forbearance without capitalizing interest per the ED 's guidance for joint spousal student loans like other servicers are allowing and following. Thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NC

Complaint narrative:
XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX  ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX  a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX  and reported for duty on XXXX XX/XX/XXXXXXXX  ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX  On the same day of XX/XX/XXXXXXXX  I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Grow Credit Inc
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off Account Grow Credit Inc- XXXX XXXX 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. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXXXXXX XXXX  ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND MID-ATLANTIC FINANCE A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion

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 2023-10-25 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: SC

Complaint narrative:
I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt XXXX XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXX XXXX ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND XXXX XXXX A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion

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 2023-10-25 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
On XX/XX/2023, CREDENCE RESOURCE MANAGEMENT , LLC contacted me by phone trying to collect a debt. I informed the caller to never call me again. CREDENCE RESOURCE MANAGEMENT , LLC is not legally certified to collect debt in Ohio. The caller asked where I seen that information but it was not given to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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