vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to dispute an erroneous loan account through XXXX, XXXX, and Transunion. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to dispute an erroneous loan account through XXXX, Experian, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have attempted to dispute an erroneous loan account through XXXX, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( Upstart ) insists they sent the documentation that the loan was paid off on XX/XX/2023. Upstart is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with Upstart as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit. 

In addition, I have one late payment with this company, while I understand this was an issue on my part, I did submit applications for hardship assistance which were denied due to being too close to the payoff of the loan. I believe that this is an issue that could have been resolved had I received some sort of payment arrangement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have been paying student loans for the past 10+ years and have worked in non-profit/government positions throughout, qualifying me for public service loan forgiveness. My student loans have been bounced around multiple times throughout the past 10 years to various servicers. I applied for a consolidation of loans in XX/XX/2022 after my Direct loans had been transferred to MOHELA, and it took until XX/XX/2022 for it to process, which is an excessively long time. I take part in a forum where many people discussed the process taking about a month or two at most. Every process with MOHELA takes an extremely long time, longer than any other company I have ever dealt with. They are reporting that they need 90 BUSINESS days to process a form verifying employment. This process would take a few weeks with my prior servicer. I have also been told after following up regarding getting updated payment counts on my PSLF tracker that they need 90 business days to obtain past payment history for my consolidation loan. I have waited since XX/XX/2022 with no result, but I believe that 90 business days is unreasonable and unacceptable. I am currently eligible for loan forgiveness but I am stuck in a waiting hold. And then from my understanding, it will take an ADDITIONAL 90 business days once they verify I am eligible, for the forgiveness to actually be processed. This time frame is absolutely unacceptable and is holding me up financially as my loans remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: MO

Complaint narrative:
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. 
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 XXXXXXXX XX/XX/XXXX, XXXX 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 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 explanation
Consumer complaint received 2023-03-22 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: TN

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Last XXXX of XXXX RE : XXXX Dear MIDLAND CRED : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on [ XX/XX/2023 and identified this alleged debt. first i would like proof of charge off as well as an explanation of why and how the balance increased. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
MY WIFE WAS CROONED, SWOONED, CHARMED AND SCAMMED BY XXXX XXXX XXXX XXXX WHO ALSO TOLD HER HE LOVED HER AND HE WAS USING THE MONEY TO BUILD A NURSING HOME IN THE XXXX. DATES OF TRANSACTIONS IS ALL DATES FROM AND INCLUDING XX/XX/XXXX THROUGH XX/XX/XXXX THAT WERE PAID TO MERCHANT NAME : XXXX XXXX XXXX OF VARYING AMOUNTS. MY WIFE WILL BE XXXX XXXX XXXX THIS XX/XX/XXXX AND HAS DECLINING COGNITION. XXXX XXXX XXXX XXXX WAS WARNED OVER XXXX XXXX YEARS AGO TO CEASE AND DESIST PREYING ON MY WIFE BY MYSELF AS SHE IS OLD AND HAS DECLINING MENTAL STATUS WHEN XXXX HAD MY WIFE PURCHASE HIM EXPENSIVE {$250.00} EAR BUDS AND SEND TO HIM FOR FREE, HOWEVER HE CONTINUED TO GET MONEY FROM MY WIFE TOTALLING ABOUT {$30000.00} ON CREDIT CARDS WHICH WE OWE INCLUDING COMPOUNDING INTEREST CHARGES AND ARE TRYING TO PAY OFF. XXXXXXXX XXXX RETURNED OUR MONEY BUT CAPITAL ONE CREDIT CARD REFUSES TO GIVE US OUR MONEY BACK AFTER FILING A COMPLAINT. POLICE REPORT WAS FILED WITH XXXX XXXX MISSOURI POLICE DEPARTMENT, WHO ALSO DIRECTED ME TO FILE A COMPLAINT WITH CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

XXXX XXXX XXXXis reporting I owe a debt of {$810.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
In the past 2 and a half months I have received numerous phone calls and two letters from Wakefield and Associates debt collection agency stating that I need to send them {$3800.00} for a debt owed to a company named, XXXX XXXX XXXX, XXXX. They request funds be sent via check, money order, credit card, or bank draft. 
I do not have any debt, and have never heard of either of these companies. The last loan I took out was in XXXX for a student loan. That was paid in full 45 years ago. 

I obtained credit reports from three reporting agencies and there is no debt listed on any of them. 
I am attaching two letters received from Wakefield Associates. The first letter is dated XX/XX/XXXX and the second letter is dated XX/XX/XXXX. 
On XXXX, XXXX, I sent a letter to Wakefield and Associates refuting any debt and informing them that I believe this is an attempt at identity theft or a scam. As of today, they have not responded. 
Starting last week, I began receiving calls from a number identified as XXXX XXXX. I have not answered any of the calls and have blocked whatever number they call from. The number keeps changing but the Caller ID says XXXX XXXX. I looked them up online and they are another debt collection agency. I am XXXX years old and believe this is all an effort to get my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Ford motor credit had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of XXXX seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with Ford credit about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole.

Ford motor credit declared my account as a charge off and therefore FMC was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however Ford decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that Ford sold the truck for a premium at auction should negate any debt that I owe or have owed.

Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$260.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY

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 2023-03-22 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLCis reporting I owe a debt of {$3800.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLC is reporting I owe a debt of {$11000.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for Equifax and reporting a zero balance for XXXX which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have a complaint pending with you for a company called XXXX XXXX, however this complaint for the company Fortiva Credit Card company. I had XXXX XXXX send them the bill pay, however they state they did not receive the payment. I have sent them proof such as bank statements, emails, etc. and Fortiva will not budge or help me. Fortiva would not even investigate the claims they keep telling me that the information is not enough. I am still out of {$150.00} and XXXX will not refund my funds. I truly do not know which company lying or what and I just want this to end. Today I closed my account with Fortiva and I close my account last week with XXXX and not chime will not even help me. I have emails from XX/XX/XXXX - XX/XX/XXXX ( today ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
XXXX and its creditor has been harassing me for a debt owed that isnt accurate. I have spoken with two XXXX supervisors who also can attest to this. They provided me with a XXXX request # XXXX. This account was never used or active ; theres already a service provided with the same address from XXXX. The equipment has been returned with a confirmation email. This is beyond fraudulent and I will be taking legal action for the harassing calls and e-mails trying to steal money out of me not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief