vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX. Date Opening XX/XX/year> {$3200.00}

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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Credit recovery services called me at XXXX XXXX, well past Florida law time of XXXX. They call often, from spoofed numbers. Many of the times they call after XXXX. I am sick of this harassment that is breaking Florida law. I want damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX. Date Opening XX/XX/year> {$3200.00}

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 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX. Date Opening XX/XX/year> {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
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 2024-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am now requesting regarding the previous investigation. I am requesting in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ). Send me the Procedures used that led to my dispute to be verified. I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and your agency acknowledged receipt on XX/XX/XXXX and sent me information XX/XX/XXXX stating that my dispute was verified. 
I am requesting all records that will reveal the Procedures that you used to verify along with the name ( s ) of the person ( s ) you spoke with their business name, address and telephone number ( s ) as well as the documentation that proves this account is not 7 years old as I stated in my dispute that the 2 accounts listed below are actually more than 7 years old and should be deleted from my credit report immediately. 
My question is how can the Date of Last payment reporting as XX/XX/XXXX and yet the adverse information continue to illegally on my credit report. 

The Date of First Delinquency is the true date that triggers the adverse account to no longer report any in accordance with the Fair Credit Reporting Act the Date of First Delinquency comes the month after the Date of Last Payment and therefore this account should be removed from my report immediately. 

Delete Both accounts immediately. 

Trade : XXXX XXXX # XXXX .... 
Trade : 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 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NV

Complaint narrative:
XX/XX/2024 a staff member by the name of XXXX XXXX responded on behalf of Flagship Credit Acceptance. I was hoping that the CFO of Flagship will see the complaints I have been sending. CFOs of any company are aware of security payments. XXXX XXXX would not have any knowledge of this because she is not the CFO. XXXX XXXX also claims I have not sent in any proof. Here I have attached a 1099 form accepted by the IRS. Let me remind the company you cant collect on a debit that has already been paid for please do research or contact the IRS. Discharge this debit.

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 2024-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because I have disputed with the XXXX TRANSUNION at least 4 times in a row to no avail regarding an account connected to a company called XXXX XXXX XXXX. I have reason to believe the furnisher within that company is unreliable and is giving XXXX default answers via e-OSCAR regarding the reinvestigations that were commenced. The account as it stands is currently inaccurate and incomplete as a whole. TRANSUNION is liable and I am compelled to sue if it continues to provide me with result answers that is contrary to what is reflected in my consumer report received from its system. TRANSUNION is currently in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ).

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 2024-05-13 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: NY

Complaint narrative:
I disputed this on my credit report more than once for XXXX installment loans, as it was paid off in XX/XX/year>. Yet, XXXX  just incorrectly reported to Experian ( FOR THE 2ND TIME ) that as of XX/XX/year> the installment loan is open and {$51.00} due. I advised XXXX that the loan was paid off and the account should be closed, and the representative refused to correct the information.

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 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
MOHELA asked me to recertify my income before the Dept of Ed said was necessary. I waited until the last minute and then recertified even though it was before XX/XX/year>, because they told me I would lose my XXXX plan if I didn't. I'm going for XXXX, so I have to stay current and on an XXXX plan. 

A few days after I certified my income, the Dept of Ed announced it was again going to push back this requirement. I heard nothing from MOHELA about this ( in fact I read about it on XXXX ), and so then I called them to confirm my payments would not be increased. I was on hold for an hour before someone answered and confirmed they would be reverting to my previous payment. This was on XX/XX/year>. 

I kept checking my account to see if my next payment had been adjusted, but it had not. Then I emailed them asking when it would be done. Around the start of XXXX my account was put in an " administrative forbearance '' for the remainder of the month, so I was not able to make a payment. The forbearance has ended and my payment still has not been corrected. I've exchanged messages with MOHELA and they reported they will adjust my payment, but it is due to automatically debit in 3 days and still shows the incorrect amount. 

Additionally, I just saw that my account went up by {$1200.00} in interest last month because of the forbearance they put me in! I didn't ask for the forbearance and they didn't even fix the issue during that time. I've dealt with several student loan servicers over the last decade and they have been the most difficult to deal with ( and this is saying a lot ). It's so awful to not be able to choose a better servicer since I'm pursuing XXXX. They are truly inept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon inspection of my credit report, I noticed the following personal information is incorrect : Any previous addresses are undeliverable and I have no access to them. Please remove any other addresses that remain immediately. 

Thank you

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 2024-05-13 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The company XXXXXXXX XXXX XXXXXXXX placed a negative mark on my XXXX credit report about the following account which I do not know the debt. the information is as follows : XX/XX/year> RESURGENT/LVNV FUNDING XXXX. I was never contacted via mail, phone, or email according to the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 which did not allow me to ask that the debt be validated. So, the debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2024-05-13 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: NY

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 2024-05-13 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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXXXX/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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My debt has been discharged, yet two Chase credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. JPMCB CARD- Account # XXXX JPMCB CARD-Account # XXXX These two accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service XXXX IRS XXXX regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off JPMCB accounts associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2021. {$3200.00}

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 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023

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 2024-05-13 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: FL

Complaint narrative:
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 XXXX 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 Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$59000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$12000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$81000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$12000.00}

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