vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC is claiming collection which i have no knowledge of must fix this Error and delete negative info of my credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX IQ DATA INTERNATIONAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious IQ DATA INTERNATIONAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA

Complaint narrative:
I received a government scholarship grant from the XXXX in XXXX. That grant was converted to a debt without my knowledge, passed to collections, and my XXXX tax return was taken and put toward that debt. 

I did not have the opportunity to justify that I satisfied the grant stipulations and was not informed the grant was being recovered. 

I also can not get information about the debt including the terms, and do not have a way to pay this back in a fair way. 

The only information I received was a debt collector notice and then a letter from IRS about my tax return being taken after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Kikoff Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given an American Express gift card for {$3000.00}. before the holidays. When I have tried to use it on three separate occasions, the merchant says it was declined. I have tried reaching out to American Express and they have promised a response, but have never responded. They do not have a reachable telephone number ( recorded only responses ) and I had to through my XXXX XXXX account to get transferred three times to someone who said they would help but never returned the call. They have also charged my card for a purchase they declined and which I used another card to pay, and said they could not help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.

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 2023-03-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
Covington credit-19, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
XXXX XXXX XXXX requested my credit score through factual data. They received an equifax score of XXXX. When I log into my equifax account I have a credit score of XXXX. Called Equifax they said that I would have to talk to XXXX XXXX. XXXX XXXX said they use the XXXX XXXX model to get score. They could not tell me why the credit score was so different. They said I needed to call myfico. Called them they said that they are credit subscription service. Because XXXX XXXX reported a XXXX credit score I am unable to get the home loan that would be afforded to me for having a XXXX credit score. There is no one that will take responsibility or explain why this big of a difference could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

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 2023-03-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

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 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
Debt collection agency XXXX XXXX XXXX  Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.

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