vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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:
this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
this XXXX XXXX  account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

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 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  NO ONE SENT ME PROPER DEBT VALIDATION DOCUMENTS FOR ABOVE ACCOUNT. 
THIS ACCOUNT ARE reporting inaccurate information to the consumer reporting agencies AND YOU ARE NOT PROPERLY VERIFYING THE INFORMATION. The false information has severely damaged my reputation and livelihood. I have asked you to properly verify all inaccurate information on these account more than 30 days ago and you have not done your due diligence. 
PAYMENT HISTORY, ACCOUNT BALANCES IS nonpublic personal information. I NEVER GAVE THESE ACCOUNTS ABOVE THE RIGHT TO REPORT MY PERSONAL INFORMATION TO YOUR CREDIT BUREAU. 
YOU the third party reporting bureau and blindly damaging my credit file to disassociate me from other lending institutions. 
ACCORDING TO LAW YOUR BUREAU IS clearly in VIOLATION OF THE LAWS BELOW AND I WILL PURSIUT {$1000.00} PER VIOLATION IF ACCOUNTS ABOVE is not removed. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 I DEMAND you to CEASE AND DESIST the reporting of inaccurate information from my credit file. DELETE all accounts from my credit report within the next 10 days or I will file litigations to redeem all penalties your company will be liable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022 I sent Credit Acceptance a cease and desist letter. The letter arrived on XX/XX/2022. Credit Acceptance has not responded. The corporation has been communicating an alleged debt to credit reporting agencies. The information demanded has not been provided and the corporation continues to communicate this alleged 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 2023-01-29 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: TX

Complaint narrative:
this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

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 2023-01-29 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:
this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint.

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NC

Complaint narrative:
I put a dispute in XXXX with Experian about an inaccuracy I found on my credit report after I had already contacted the company. With no response or help from the company. Experian claims they did an investigation on the account, and in return the company keeps changing the date on the inaccurate account. Which is continuing to harm my credit and person well being unjustly. 
The account in question is : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: FL

Complaint narrative:
Some one did fraud in my name and they agreed to remove with a forgery affidavit but they claim they i did not send my claim in time. that is non sense cause it was certified mail. Can you guys please enforce them remove that fraud information from my file. It is also affecting my changes of getting 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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX courts as well as Portfolio Recovery Asso. LLC which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since XXXX XXXX XXXX XXXX. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX  I mailed a letter to MOHELA about accounts listed on my credit report and I have not received any help or response as of this date. The contents of the letter are as follows : " REQUEST FOR INFORMATION FROM MOHELA I am requesting information for the following accounts : MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX MOHELA/DEPT OF XXXX, Account # xxxxxxxxxxxx XXXX Please provide copies of the following information : All billing statements from the date of account opening A copy of the XXXX cancellation of debt if applicable Date of Last Payment It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete corporation and compliance. 

Respectfully, XXXX XXXX '' I don't know what else to do or how to get the information as the call center seems to be too overwhelmed or the information is not complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: WESBANCO BANK, INC.
State: PA

Complaint narrative:
Wesbanco bank. Continues to submit late notices. This is a sleezy bank, and Im filling with federal banking commission on fraud, lying, inaccurate info. 
Whenever XXXX XXXX you received something got it, XXXX a XXXX  from this bank. I owe nothing and will never pay this amount. I found out they wanted to charge a up front transmission charge if XXXX fee For opening credit limit. I said cancel credit line then. I received no, no XXXX. XXXX dollars from this bank. Letbthem prove what monies in received in order for late fee. I have two cal from 2 banks now and have no such thing. I didnt. Knowcsboutbthis gee until they.took 29 days to establish this. Their Liars and frauds, they will never got any late fee. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
Due to XXXX, our household had loss of income in XXXX. In an attempt to keep our head above the water, we went the XXXX forebearance route on our mortgage. Our mortgage company is reliance/dovenmuele and our loan was current when we entered the forebearrance. Close to the year mark of being in forebearrance, in XX/XX/XXXX, I contacted the loan servicer to end our forebearrance and do the partial claim with the missed payments by adding them to the end of the loan or a second interest free loan. I received paperwork for a loan modification and refinance in XXXX that had an extra {$12000.00} added to the refinance. I contacted the servicer again due to the paperwork not being the partial claim or the correct total. The mortgage servicer has not once contacted me or returned my phone calls. I received another set of paper work 3 months later in XXXX and another set in XXXX, all while trying to communicate with them that the amounts in the documents arent correct nor are they the partial claim we discussed and was available to me. I have left messages and made Inquiries as to ending the forebearrance. I could not resume payments bc the mortgage company would not accept them while my forebearrance was still active. On my mortgage account documents, there are notices for XXXX, XXXX, and XXXX that I never received or was contacted about requiring me to pay all missed payments by the first of the month. The accrued amount has increased monthly and now they are reporting my loan as being delinquent for all the payments. Still, no one can tell me whats going on and requests for contact for information are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached XXXX # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be 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 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi CFPB, For XXXXXXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2023-01-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation