vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX - XX/XX/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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notified Experian of a problem with the information being furnished and how the furnisher was submitting false information and avoiding the system they have that verifies the account information a furnisher only on Experians platform can avoid charge off and other very easily detected violations on a consumer report by simply marking the account current/ paid this allows the furnished to increase the balance owed nonthly avoid the charge off time and the consumer becoming aware because it's marked current anf and no alerts if it's current experians and the companys. Response charge it off mark it80 days late then charged off now paying during a home equity loan application. I showed Experian the definition of a charged off account provided by Experian and how it's wrong and purposely done so on my account fhey said its fine let it continue. I showed them a flaw being used to harjm consumers on their platform and no action besides retaliation was done if they will not stop and fix their system how

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 2024-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX due to their fraudulent practices In a lawsuit involving a debt.In the case, XXXX XXXX provided an affidavit of debt with incorrect information, including discrepancies between the affidavits stated opening date ( XXXX XXXX ) and the actual contract date ( XXXX XXXX ). I have previously requested validation of the debt, but they have failed to provide it.Additionally, I believe my signature on key financial documents may have been fraudulently misrepresented. As a result, I have sought to set aside the default judgement against me and am pursuing {$31000.00} in damages for these fraudulent actions.I would appreciate your assistance investigating this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I am seeking forgiveness under the PSLF program. I have made over 120 qualifying payments. However, the department of education has lost almost three years of my payment records and I have been trying for over one year to have this fixed. My servicer, and the department of Education, does not show any payments made from XX/XX/XXXX through XX/XX/XXXX. I made all payments during that time. However, due to the age, my banks do not have any payment records to provide me. I have no way to prove I made these payments and the only place that should have the correct information has none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Complaint : Unauthorized Account Opening by XXXX and Fortiva - Violation of Truth in Lending Act ( TILA ) I am filing a formal complaint regarding an unauthorized account opened in my name with Fortiva Financial, connected to XXXX. I did not apply for, authorize, or approve this account, and it constitutes a violation of the Truth in Lending Act ( TILA ). A {$4000.00} charge has been made against my name without my consent, and I am deeply concerned about the fraudulent activity. 

I have filed fraud claims with XXXX, XXXX, and TransUnion.I demand that the following actions be taken immediately : The unauthorized account must be closed, and confirmation of the closure provided in writing. 
All negative credit reporting related to this fraudulent account must be removed from all credit bureaus. 
Written confirmation that my personal information has been removed from your systems and will no longer be used for this or any other unauthorized purposes. 
A. full investigation into how this account was opened without my consent, with a report of the findings provided to me. 

I wrote the company about this and added-This matter must be resolved without delay, and I expect Fortiva to take action within 15 business days. They claim that I did open the account. Which this a lie. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 
Transunion XXXX XXXX ( Bank ) - XX/XX/year> XXXX XXXX  XXXX ( Bank ) - 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 2024-10-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION 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 XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This company is trying to incorrectly attempt to charge me a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
request a copy of that 1099 C, inform them I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. Balance was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: AR

Complaint narrative:
I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE XXXX AND EQUIFAX NEED TO DELETE ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to formally dispute the bankruptcy reporting associated with the reference number XXXX. It has come to my attention that LexisNexis is reporting this bankruptcy, which I believe to be inaccurately attributed to me. Below is a summary of the bankruptcy information I am disputing : Reference Number XXXX Bankruptcy Type XXXX  XXXX Date Filed XX/XX/year> Court Name US Bankruptcy Court Filing Location XXXX, OH Pending Discharge Date Under the Fair Credit Reporting Act ( FRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. Specifically, I ask that you review your records, validate the accuracy of the identification information used, and ensure that this bankruptcy is indeed associated with my file. 
As you are aware, the FCRA requires that all information reported by consumer reporting agencies be accurate and verifiable. If you can not provide documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. 
Failure to correct or verify this information constitutes defamation of character and damages my reputation. If you fail to act in accordance with the FCRA and remove or correct the inaccurate bankruptcy reporting. I will have no choice but to pursue legalreporting. I will have no choice but to pursue legal action for defamation, along with any other remedies allowed under law I will attach a copy of my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Denefits LLC
State: MD

Complaint narrative:
This company has violated my consumer rights by attempting to collect on a debt that I do not owe, and they continue to report this debt to consumer credit bureaus despite it being invalid. The alleged debt is beyond the statute of limitations for collection under Maryland law, which is three years. The statute of limitations does not restart when a debt is sold or transferred to another collection agency, meaning their continued collection efforts are unlawful. 

The following are clear violations of federal and state consumer protection laws : 15 U.S.C. 1692g ( a ) ( FDCPA ) : The company has failed to provide the written contract or any validation documentation proving that I owe this debt, as required by the FDCPA. Without validation, they have no legal grounds to collect or report this debt. 

15 U.S.C. 1681n ( FCRA ) : By failing to ensure the accuracy of the information reported and continuing to report this account without proper validation, the company and the credit bureaus ( XXXX and XXXX ) are in violation of the FCRA. They may be held liable for negligence and non-compliance. If willful, these violations could result in liability for actual, statutory, and punitive damages. 

12 CFR 1006.34 ( b ) ( 5 ) : The company has failed to provide necessary validation information before reporting this collection account to my credit report, as required by federal law.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute this account before it was reported to the credit bureaus, which violates my rights under federal law.

15 U.S.C. 1681s-2 ( a ) : The company lacks the authority to report this account to consumer reporting agencies without providing all required disclosures and debt validation. 

In addition to federal violations, the company is also in violation of Maryland consumer protection laws : Maryland Consumer Debt Collection Act ( MCDCA ) : The company has engaged in unfair and deceptive debt collection practices by failing to validate the alleged debt and continuing collection efforts.

Maryland Financial Institutions Article, 11-301 & 7-101 : The company is not licensed to engage in debt collection or lending activities in Maryland, as required by law. Conducting such activities without the proper licensing is illegal. 

I have attached a copy of my full complaint letter, detailing these violations in greater depth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: DC

Complaint narrative:
Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Please Remove Accounts and Inquiries listed below 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OK

Complaint narrative:
I have requested a 1099C from this company and they refuse to provide any info about the debt

Company response to consumer: Closed with explanation