vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
improper reporting. Collections need to be removed they are reported multiple times. Not updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 {$2200.00} unknown charge on account Exeter finance llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Trying to get false inquiries and debts that I did not approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
In XXXX of 2011 I was assigned a cell phone number by my company. Since that time an undisclosed company has been trying to collect a debt for one XXXX XXXX, whom I assume is the previous holder of the phone number ( XXXX ) XXXX. I tell one debt collector that I am NOT XXXX XXXX, and to stop calling me. The collectors will not tell me whom they are trying to collect the debt for, but whomever it is just hires one collector after another, and for the past 12 years it has been very harassing. Now the Debt collectors are resorting to texting, and I don't know how to report them- so I am trying this avenue. The Company currently texting is : " XXXX XXXX XXXX at ( XXXX ) XXXX regarding a matter of AFFIRM INC . I am also told to go to XXXX XXXX XXXX, but I don't visit possible spurious sites. Can you please find a way to have these collectors stop. Twelve years is Ten years too long for these people to get a hint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unrecognizable inquiries on all 3 of my Credit Beareau

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, XXXX and Transunion. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from XXXX which I was a victim of according to the link XXXX have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.

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 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: OH

Complaint narrative:
In XXXX my identity was stolen and used for various unknown purchases on multiple accounts. I disputed the charges and all were deemed fraudulent and removed from my credit history, with one exception. 
JJ Marshall associates claim that I owe {$490.00} for unknown charges. They were notified of the fraud and they informed me that I should file a dispute with a credit agency to have it removed. I did as they requested and moved on with my life as usual. In XXXX I started going over my credit report with the anticipation that I may be applying for a loan at some point when I discovered that the charges were never removed from my Credit history and they were still in collections. I decided to once again dispute the charges and the people at XXXX recommended that I submit a complaint to the CFPB in order to help resolve the issue. Note that the original creditor was XXXX XXXX XXXX, a company that I have never had any history with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS AND ASSOCIATES has placed a negative non paid debt on my credit reports. I do not know who they are and they are asking for a debt that they have not contacted me for or sent any validation for. I sent them a letter electronic and certified mail which they received XX/XX/2023, requesting they show proof of this debt. I canceled my membership with XXXX XXXX and the monthly payment was {$5.00} a month. They are unable to send me paperwork and have been ignoring me, but still placed a negative report on my account. 
They need to respond to my letter of validation which I have attached to this, and remove the error in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me XXXX XXXX XXXX XXXX, to the point where I'm having trouble sleeping.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX GOLDMAN SACHS AND CO XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX XXXX or ( XXXX  ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXXXXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX  ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after March 27, 2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Nelnet, Inc.
State: AZ

Complaint narrative:
My recent loan payment on Nelnet has seemingly vanished. I have {$2100.00} in federal student loans, and in the last XXXX months, I've been able to pay off well over {$3000.00} from the initial {$5500.00} balance I owed. Initially, my student debt was serviced by Great Lakes, and with Great Lakes, I never had any issues with making payments. Sadly, the same can't be said for Nelnet, which is where my student debt is now being serviced. On XX/XX/XXXX, I made my first payment on Nelnet ( {$720.00} ), and this payment processed normally and applied to my student loan balance. Then, on XX/XX/XXXX, I made a second payment on Nelnet of {$730.00}, and this payment also proceeded normally and my balance was reduced from {$2800.00} to {$2100.00}. Unfortunately, things haven't gone so smoothly with my third Nelnet payment. 

On XX/XX/XXXX, I made a payment of {$480.00} that was planned to to start processing on XX/XX/XXXX. It started processing normally, but then it turned into what's been a massive headache. Firstly, even though the payment was very clearly in my recent activity and was shown as " processing, '' I never got an email from Nelnet telling me that they received the payment, which I found very strange as the money has been withdrawn from my back account. After this, it's gone from bad to even worse as when I checked the status of my payment yesterday, my payment of {$480.00} was no longer displayed in the recent activity section, and when I looked at my payment history, it wasn't there. My payment of {$730.00} from XX/XX/XXXX is the last thing that shows in my payment history. My student loan balance is still at {$2100.00} ( when it should be at {$1600.00} ), and it seems as though my payment of {$480.00} has completely vanished. There's no evidence that I ever made the payment on Nelnet, and the money hasn't been sent back to my bank account. I don't know where the money has gone to, but it seems like it's been sent to XXXX, never to be seen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Education Principle Foundation
State: AL

Complaint narrative:
On XX/XX/XXXX I was placed on a student loan as a co signer without my consent or physical presence to sign the loan. I have finally received copies of the loan documents that prove that fact. i have reason to believe that the Art institute of Austin TX allowed my step daughter to fraudulently sign my name to the loan as it appears to be her handwriting. there is another loan taken out the year prior ( XX/XX/XXXX ) for which i did actually sign and accept cosigner responsibility.. if you compare the signatures you will see vast differences in signature style. At the time of the first loan being taken out, i also provided my drivers license to be photo copied and placed in the record. I believe that for the second loan, the school pulled the copy of the license from the first loan and re-copied it to place in the second loan file. you will also notice the signature on my drivers license matches the first loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I see an item on my credit report showing up a I C Systems. I dont know who or what that is. Then when I look deeper I see XXXX XXXX XXXX. Again I dont know who this is. The credit bureau claims to have verified the information on my credit report. I dont understand or see how. This is not my debt.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS ACCOUNT IS NOT MINE. EXPERIAN IS NOT DOING DUE PROCESS ACCORDING TO LAW TO GET THIS REMOVED OFF MY CREDIT FILE. THEY ARE MERELY USING E-OSCAR AND NOT CONDUCTING A INVESTIGATION. I HAVE PROVIDED POLICE REPORTS, IDENTIFCATION DOCUMENTS, AND FTC AFFADAVIT AND EXPERIAN STILL HAS THIS LISTED ON MY CREDIT FILE AND IT IS NOT MINE. IT IS AN RESULT OF IDENTITY THEFT.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
In accordance With The Fair Credit Reporting Act XXXX R A Rogers inc account # XXXX has violated my rights.

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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX BANK Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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.

Company response to consumer: Closed with explanation