vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: HI

Complaint narrative:
Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account XXXX XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$630.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name Family Support Division, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my accounts, specifically Account Number : XXXX. Below are the details of the discrepancies I have identified : Account Details : Account 1 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 2 : Experian Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Dispute Details : The balance owed on all three accounts is reported as {$2900.00}, which I believe is incorrect. 
The reporting dates for these accounts are inconsistent with my records. 
I have previously disputed these inaccuracies, but they have not yet been resolved. I kindly request that you review and correct the following : Update the balance owed to reflect the accurate amount. 
Correct any inaccuracies in the reporting dates and account status. 
Please provide me with a written confirmation of the resolution once these corrections have been made. If you require any further documentation or information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. 1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :

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 2024-09-05 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: MO

Complaint narrative:
I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. 1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed funds were being held on 2 of my bank accounts. I was informed by my bank it was garnishment from Portfolio Recovery and they are holding double the amount theyre asking for. I have received no written notification about what this is regarding in any form. The contact information I was given by my bank does not answer or return calls. Any outstanding debt I may have is from well over 7 to 20 years ago. My bank tells me I have to wait for the response from Portfolio before they will release any funds but will most likely be half of what was taken. I guess Ill have to contact my own attorney at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
On XXXXXX/XX/year> I wrote a letter to Credit Collection Services regarding an account they are reporting on my credit report. I sent the request certified mail with a return receipt, the return receipt was sent back with their signature showing they received the letter. It has been more than 45 days and they have not responded to my request. 
This is not my debt and would like it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my accounts, specifically Account Number : XXXX. Below are the details of the discrepancies I have identified : Account Details : Account 1 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 2 : Experian Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 3 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Dispute Details : The balance owed on all three accounts is reported as {$2900.00}, which I believe is incorrect. 
The reporting dates for these accounts are inconsistent with my records. 
I have previously disputed these inaccuracies, but they have not yet been resolved. I kindly request that you review and correct the following : Update the balance owed to reflect the accurate amount. 
Correct any inaccuracies in the reporting dates and account status. 
Please provide me with a written confirmation of the resolution once these corrections have been made. If you require any further documentation or information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account in question is I.C. SYSTEM, INC, account number XXXX

Upon reviewing my credit report, I noticed several inaccuracies within this collection account. Due to these errors, I believe this collection account is not a true reflection of my credit history and should be removed. 

I kindly request that you investigate this matter and remove the inaccurate collection account from my credit report. Enclosed with this letter, you will find copies of supporting documents that highlight the inaccuracies and provide evidence for my claim. These documents include [ list any documents you are enclosing, such as payment records, correspondence with the collection agency, etc. ]. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please notify me in writing once the investigation is complete and the necessary corrections have been made.

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 2024-09-05 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: TX

Complaint narrative:
XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on 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. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX 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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I submitted a letter to validate the debt owed as it was not mine, it was illegally placed on my credit and the agency wasnt able to send me any documentation validating I owned the debt, no contracts, promissory notes, no documents. 
One collection agency found the debt to be not valid or verified and removed it from 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05 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: MOHELA
State: VA

Complaint narrative:
I attempted to call Mohela on XX/XX/year> asking for the status of my refund, as I am a class member of the Sweet v. Cardona lawsuit. After calling the department of education, Mohela gave me no update, was unable to tell me when the check was coming, and also told me that the original 90 day deadline is actually 90 " business '' days. I would just like to know when the refund check is coming my way and what the hold up is. The deadline, per the lawsuit, was XXXX XXXXXX/XX/XXXX, so regardless of the " business days '', they are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/year>. XXXX dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  XXXX. It was a female from XXXX XXXX. She asked for my email address and phone number. I responded " no thank you '', and she immediately said " goodbye '', and deliberately disconnected the call. Consumers are not required to provide their telephone number or email address in order to file a dispute by phone. The XXXX  XXXX agent 's conduct was unprofessional and inappropriate. Please sanction the employee and TransUnion.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreemen

ts with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report
reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX at approximately XXXX I was startled by a loud knocking at the door. I knew I wasnt expecting anyone and also not many people knew my address. The banging continued and became more aggressive so I believe it might have been an emergency, when I opened the door I was met with a unfamiliar face, this was a random XXXX man around XXXX XXXX maybe in his XXXX with a very thick accent. I started recording and asked him who are you, he put his foot in my door preventing me from closing the door and threw a paper at my face, when I grabbed it he stated he is a messenger for Portfolio Recovery Associates LLC and Ive been served. This man started calling me a XXXX XXXX and stated pay your XXXX bills. Ive never seen this man in my life and because of this aggressive harassment from Portfolio Recovery I have to move. They have also showed up to the XXXX XXXX were I work and shared personal information regarding my finances to staff at my job. I tried to contact them and still havent received a response. According to The FCRA, 15 U.S Code 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collected to seize further communication with the consumer. The depth collector shall not communicate further with the consumer with respect to such that. My rights have been violated and I want this collection removed off my account. This interaction with Portfolio recovery was recorded. My account number with them is XXXX.

Company response to consumer: Closed with non-monetary relief