vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests.

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money.

- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt.

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments.

- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from XXXX, Equifax, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-07-17 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: TX

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) ( Account Number : XXXX, Date Opened : XXXX XXXX, 2022 Balance {$380.00}. Cease the reporting of this fraudulent account immediately.I am not liable for this debt with XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have any contract with LVNV FUNDING LLC. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document along with a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from LVNV FUNDING LLC for the violation of my rights under the FDCPA. 3. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXX. Reimbursement of any legal fees incurred in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance {$0.00}

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 2024-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: CA

Complaint narrative:
I couldnt get my plan lowered because of my income and Ive had a financial hardship happen in my life so my Income does not play a factor. They do not work with you at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I complained to my mortgage servicer about not knowing who actually owned my mortgage and about {$5200.00} ( XXXX legal fees XXXX XXXXXXXX inspection fee ) added to my mortgage balance. They finally provided information on who owned my loan, Mr. Copper. When I demanded details about the {$5200.00}, the amount was removed from my monthly statement, but may still added on to my loan balance. Second issue, my mortgage has always been an adjustable. I was informed by Rushmore, I believe in XXXX, the XXXX XXXX  was no longer used. They are using XXXX XXXX and my rate went from 5.125 % to 6 % to 8 %. I've had the mortgage since XXXX, my payments should be getting smaller not bigger. I never agreed to these terms. They bought my mortgage. According to Rushmore, the ceiling for the interest rate is about 12 %. Starting next month my payment increasing by {$30.00}. It never stops with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NY

Complaint narrative:
I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding this fraudulent account. Following this submission, XXXX and XXXX promptly removed this account from their records. 

I have also contacted the companies associated with this account directly, and they have confirmed the removal of the account from their records. Thus, I am perplexed as to why this account continue to be reported by your bureau. 

XXXX XXXX XXXXXXXX

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-17 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:
This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 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 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 non-monetary relief
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: FL

Complaint narrative:
It states that I owe {$50.00}. They are furnishing on my credit report without my consent. It is damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IL

Complaint narrative:
My Discover card ( which was not late ) was suspended due to my Discover loan payment being 9 days lateMy purse was stolen in late XXXX early XXXX. My credit cards, debit cards, checkbooks and cash were stolen. I had to all my accounts changed over to new accounts. The old accounts were frozen and left open by the bank as they investigate before providing the refund for the unauthorized charges. My credit monitoring company alerted me on XX/XX/XXXX that I missed a payment to Discover loans on XX/XX/XXXX. I immediately called Discover loans explained the situation to them and made the payment which was 9 days late. I am still waiting for the unauthorized charges to be restored to my accounts. Discover loans alerted me that my Discover credit card ( which was not late at the time ) was suspended due to non payment of my Discover loan. Discover loans said once I paid the loan it should lift the suspension and assured me the card was not closed. I called the corporate offices to open a case and explain what happened because I need that card available because it is my oldest card and has a high limit. I have not used this card since before the pandemic. The corporate office was supposed to respond within 48 hours. They did not. I have not had a late pay on either of these accounts which were both on auto pay. These auto pay accounts were affected by the robbery. 
The suspension was never lifted once the payment was made to the Discover loan. They are now saying they must review my entire credit file in XXXX. They said originally it was just the Discover loan late payment but now its something else. This seems like unfair business practices. This is no fault of my own I was a victim of theft and offered to provide them proof from the detective handling my case. I have had this Discover card for over 20 years. This just does not seem fair nor is it what I was told. I did what I was told to do. Discover is manipulating the circumstances where I have already been victimized. My Discover loan payment was ONLY missed because of the theft and the auto pay was affected by the account being frozen before the new account was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon Reviewing my Consumer Report, I noticed that late payments on an account that I have paid on time. Consumer reporting agencies play a crucial role in reporting this type of important information with the utmost accuracy. It is imperative that information must be reported accurately. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX ( acct # : ). I request an investigation into this discrepancies and urge you all to provide evidence, such as statements demonstrating the lateness of these late payments. If unable to provide proof, I demand that these payments to be updated immediately to reflect their true status as on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon Reviewing my Consumer Report, I noticed that late payments on an account that I have paid on time. Consumer reporting agencies play a crucial role in reporting this type of important information with the utmost accuracy. It is imperative that information must be reported accurately. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX ( acct # : ). I request an investigation into this discrepancies and urge you all to provide evidence, such as statements demonstrating the lateness of these late payments. If unable to provide proof, I demand that these payments to be updated immediately to reflect their true status as on-time.

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 2024-07-17 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: NY

Complaint narrative:
I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

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 non-monetary relief
Consumer complaint received 2024-07-17 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: NJ

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft or fraudulent activity. These inaccuracies are affecting my creditworthiness and my ability to obtain credit and financial services. I kindly request that you investigate and remove these fraudulent items as soon as possible. I have attached supporting documentation, including a copy of the police report I filed regarding the identity theft and any relevant correspondence with the creditors involved. These documents provide evidence that I did not open or authorize these fraudulent accounts or inquiries. I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these fraudulent items. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to investigate and remove these fraud items in my credit file : 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 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 non-monetary relief
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer. 
please reinvestigate again the flowing account reporting experience. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation