vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : CAPITAL ONE Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} XXXX XXXX. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
Original Creditor : XXXX XXXX XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a XXXX XXXX XXXX XXXX sold this account to this debt collector. I have asked on different occasions for XXXX to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/year>, I requested that the lender give me information on how to apply for cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school. I have two loans through this lender that were taken out from a school already deemed by the court of law to be fraudulent and predatory. I asked for a process of relief for this reason and I uploaded a cover letter describing the issue along with a detailed application listing the affected loans, how my school was predatory, and the harm that it has caused and supporting marketing materials from the school. I also uploaded my federal loan email stating that the federal loans taken out from this school were approved for discharge due to the aforementioned reasons. I received an email response on XX/XX/year>. They said that discharge due to misrepresentation is a federal loan program only.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
The company sent me an email stating I had to make a payment by XX/XX/XXXX in order to prevent my loan from being all due at once. Not only had a made a payment XX/XX/XXXX, I scheduled this payment on XX/XX/XXXX for XX/XX/XXXX, the default date on the website. 

When the company updated their credit reporting for XXXX, they stayed I was XXXX days past due. This was not correct as the furthest due date had been satisfied and no other payment went XXXX days. When I reached out regarding this, they ignored my emails over and over, which is ironic because they violated a cease and desist over and over before that in order to contact me. When i contacted XXXX to submit a dispute, they updated my credit report to include FUTHER misinformation by stating the account was in collections in XXXX, which it obviously was not if they were demanding payment for XXXX. They are incredibly vindictive and predatory. 

Not to mention I had moved to XXXX  and they had continued to allow me to use their service for a year even though it was not legal in our state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX Here is the item I am asking you to verify as accurate.

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 2024-06-09 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from 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 2024-06-09 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: Self Financial Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management for their ongoing violations of my consumer rights as outlined under federal law.

Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Midland Credit Management has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Midland Credit Management has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Midland Credit Management has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Midland Credit Management has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXXXXXX XXXX XXXX Information : Midland Credit Management Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company
State: OK

Complaint narrative:
I applied for XXXX dollar loan. I knew it would draw interest daily, but did not know I would be paying back triple for what I borrowed. I will be paying back XXXX dollars of just interest over XXXX payments. And that is entirely too much interest for a XXXX dollar loan. and thats not including the XXXX I owe them, totaling XXXX dollars. Something has to be done because this is ridiculous. You go to these loans wanting some financial help only to get riped off and put in further debt. Especially since are country is having economic crisis already and you have companies like this robbing you. Something needs to done because we are all struggling to make it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NJ

Complaint narrative:
I checked my credit report and noticed that somethings are there that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: MN

Complaint narrative:
YOU ARE REPORTING INACCURATE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT. Delete the following inquiries asap. 


XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) inquiry XX/XX/XXXX Delete all these fraudulent inquiries asap. I never applied for these inquiries. I never authorize these inquiries to be on my credit report. Delete asap.

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 2024-06-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists

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