vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reviewed my consumer report and I've found several unverified account being furnished. This is extremely harmful to my credit standing and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had call Experian several times at XXXX to dispute an account that do no belongs to me, I had asked XXXX to validate the " collection '' account to neither none of those companies has provide a valid evidence that the account belongs to me, all i have heard from Experian the only credit report company reporting the collection is that XXXX says the account should remains on place but havent never provide me any evidence that the account belongs to me or was open by me. 

this has been for over a year already and i never get any validation, I am requesting XXXX and EXPERIAN to remove the account since it does no belongs to me. 

They asking me to place a police report i had been to the police but there is not a single person i could report because i do really no know who opened the account and

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Collection is not from original creditor. I.C. SYSTEM, INC at XXXX XXXX XXXX XXXX XXXX, XXXX. Has been sending me collection notices in the amount of {$960.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have contacted source receivables management on numerous occassions over the past six months requesting validation of debt with a contract bearing my signature for this inaccurate account. I have not gotten anything back in writing validating this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reviewed my consumer report and I've found several unverified account being furnished. This is extremely harmful to my credit standing and need to be removed.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I am communicating with XXXX XXXX XXXX  for the delinquent reporting on my consumer report. I have disputes with XXXX, EXPERIAN and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND XXXX and transferred, closed, written off for {$400.00} with EXPERIAN. XXXX XXXX XXXX  is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
EXPERIAN ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, EXPERIAN and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.

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 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm filing a complaint because I reported Identity theft to the credit bureaus and they made no effort to fix the problem. I've enclosed documents of my identity as well as FTC report within this report. Please review my documents and remove these fraudulent charges from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 previously sent my written request to XXXX about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$9300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX Balance : {$5300.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX OF Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/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 explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I have applied for XXXX XXXX XXXX XXXX when it had a special promotion of XXXX miles and {$200.00} credit after spent {$2000.00} within three month. 

{$2000.00} was spent and I have received XXXX miles points. However there was never a {$200.00} credit. I would like to file a complaint for not receiving this bank credit. 

Thank 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 monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CA

Complaint narrative:
On XX/XX/22 I received a letter from FedLoan Servicing about my PSLF qualifying payment update. It says it includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. However I believe this information to be incorrect as there was no adjustment to my qualifying payment counts and there should be and they are not able to clarify. 

FedLoan has incorrectly estimated my qualifying repayments and I deserve a fair and accurate recount and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint filed with CFPB due to unable to dispute but now Experian has flagged my account as high risk. I called to speak to a representative to ask why I am able to log into my account online and able to see my credit report but when I try to dispute theres an issue. The Representative stated that my account was flagged due to high risk for having a company or live by a business which doesnt make any sense. I asked why does that happen? Per Representative thats due to a change of address. I havent change my address. Theres been no changes at all to my credit. Im only trying to dispute one Merchant that told CFPB that its been resolved but no action taken on my credit. I asked for a Supervisor but they would not allow me to speak to one. They said they will call back. I received one voicemail on Sunday XX/XX/22 at XXXX but this person did not state what company they are with. So Experian management team or any team member never called. I called Experian beginning of XXXX. Ive provided the required documents on XX/XX/22 to the website provided for uploading documents. Each time they receive several proof of address but my DL license & passport they can only see what type of document but cant see any other information which is strange. Ive provided pdf files and other ways of uploading the document numerous times but each time its the same document that can see which is my Driver license & passport. This is a clear indication that Experian is doing this on purpose and I feel this is retaliation due to the complaints filed on Experian. If theres a issue with my identity or anything that will cause a high risk alert, how am I able to log into my account to get see all my information but not able to dispute? I have credit monitoring with a another company that monitors and they report to me any activity on my account even when my email address other information was found on the dark web years ago but my account wasnt flagged. When companies have sent letters notifying me that there was a breach. Experian didnt flagged flagged my account. My account wasnt flagged until last month and there was no reason for that to happen. There was no notification sent to me that my account was flag my mail or email.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV FUNDING ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting incorrect information to my credit report. I have reached out to have information corrected but they have failed to update my credit report. 
-Missing information Account status -Date last active is different and incorrect with XXXX  and XXXX. 
-Last reported have different dates -two year payment history is blank and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I previously reported to the CFPB numerous calls from Portfolio Recovery, using numerous phone numbers for a debt that does not belong to me. The calls have continued since my prior complaint. Typically there is nobody on the other line when I answer- and today I actually got a real person. The call came from XXXX, was made at XXXX EST, asking for a XXXX XXXX XXXX I informed the person that I am not the individual they are seeking. She said she would remove my name from their call list but I am doubtful that these harassing calls will stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.

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