vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: MI

Complaint narrative:
My COMPLAINT XXXX is obligated by the F'CRA to report accumte accounting. consumer has advised ALL the inquires reported was fraud, said company hnd 4 days according to LAW to remove such items. PTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX XXXX IS days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink siganture, consumer is Not asking for an XXXX report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refitse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Un-authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXXXXXX 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 XXXXXXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN

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 2024-02-22 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: IL

Complaint narrative:
I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}

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 2024-02-22 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-02-22 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-02-22 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: LEXISNEXIS
State: IL

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
I made various attempts to submit proof to remove inaccurate information from my credit reports. This is the 3rd attempt to do so. Im attaching all documentation submitted to the bureau and yet they send this notice of a suspicious request. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.

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 2024-02-22 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: MI

Complaint narrative:
I am writing to bring to your attention certain inaccuracies in my credit report maintained by your agency, as governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified the following discrepancies : 1. XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX 2. XXXX XXXX XXXX - Account Number : XXXX 3. XXXX XXXX XXXX - Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 
These inaccuracies have had adverse effects on my creditworthiness and have impacted my ability to secure favorable terms on credit and financial transactions. In accordance with my rights under 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681e ( j ), I am hereby disputing the aforementioned information and demanding a prompt DELETION. 
Please conduct a thorough and reasonable investigation into the disputed items in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Additionally, I request that you review the procedures used to ensure the maximum possible accuracy of the information contained in my credit report, as required by 15 U.S.C. 1681e ( b ), and provide me with the disclosure required under 15 U.S.C. 1681e ( j ).

I request that you notify me of the results of your investigation within 30 days of receiving the initial dispute, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I request that you promptly delete the information from my credit report. 
If, after a reasonable period, the investigation is not completed or the disputed information is not corrected, I reserve the right to pursue legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing arbitration as provided for under 15 U.S.C. 1681s-2 ( b ). 
I appreciate your prompt attention to this matter and expect that you will comply with the FCRA in conducting a thorough investigation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: NC

Complaint narrative:
I have a loan with Mohela and requested a manual general hardship forbearance that I uploaded to the site in my account on XX/XX/year> and it was approved XX/XX/year>. They still have not applied it to my loan that is in repayment. and I have called 5-6 times and they have resubmitted it for adjustment and no one can seem to help with this. This is absurd that no one there is competent and I keep getting a bill that I can't currently pay especially when I have been approved for forbearance and they just can not figure out how to apply it. I do have two loans. One is a parent plus loan and this XXXX  is still XXXX XXXXXXXX. I did not apply for the forbearance for this loan as it is currently deferred. The forbearance application, which was approved as you can see under my documents, clearly states it is for the loan in repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vl Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Under 15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX Opened on 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
In XXXX XXXX I received a credit on my account. The company immediately paid off my card, without my knowledge or any communication. I have called 6 times, many more hours spent than that. A check was cut and mailed to me for {$2900.00} on XX/XX/XXXX. I have never received this check. They insisted they would cancel that check and send me a replacement. Never came, I was told they " called it back '' after preparing the check to pay off new charges that are not due until XX/XX/XXXX. I have demanded they give me the full XXXX as promised. They say they will only give me XXXX. My payment is not due yet, they keep stealing my money and refuse to give me my qualified refund. The original amount of the refund was XXXX but they kept taking away from that. Don't I have the right to pay my bill when it's due? Why do they keep taking my much needed money. Why can I not carry a balance on this account. Why can't I receive MY money. They are keeping it just to earn themselves more money in interest. I have had this card for 1 year and every month there is a problem. By the time I finally get out of the enormous amounts of questions, I am angry already. I want my money!!!

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received notification from Jefferson capital about a {$2700.00} debt I owed to XXXX. I have not owned a XXXX  account in over 10 years and the company no longer exists. I contacted them and asked for proof of the debt and expressed my frustration at this fraudulent attempt at collecting an undue debt. They said they would no longer inconvenience me about this and to disregard. They then reported it to my credit bureaus. They have not provided any evidence of the debt, the date of the debt or proof from XXXX that the debt is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-22 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-22 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
Complaint against : Resurgent Receivables LLC Dear CFPB, I am writing to file a complaint against Resurgent Receivables LLC regarding their response to my request for debt validation, Despite my efforts to seek validation through various channels, including the CFPB, their response simply stated that the debt has been verified without providing any specific details on how the validation was conducted. 

As a consumer, I find their response to be inadequate, and I am seeking your assistance in resolving this matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

The information I am requesting includes : 1. If Resurgent Receivables LLC claims to be the holder of the original note, I kindly ask them to provide the original note for my review. 

2. If Resurgent Receivables LLC is not the holder of the original note, I request them to submit a contract between Resurgent Receivables LLC and the alleged debtor to support their claim. 

3. In order to further validate the amount claimed, I require Resurgent Receivables LLC to provide a comprehensive breakdown of both receivables and payables. This can be achieved by submitting the General Ledger and Balance Sheet associated with the alleged debt. 

I kindly request the CFPB 's prompt assistance in addressing this matter and ensuring that Resurgent Receivables LLC complies with the FDCPA. Please consider this notice as part of my formal complaint against their practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation