vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I enrolled at XXXX last year to start fall school in XXXX. I had some pre-requisuite classes I needed to take as a result of my poor XXXX scores. Due to the cost of attending college at XXXX, I decided to dropout and enroll at XXXX. XXXX has specific instructions on how you can dropout and a dropout request can be submitted online. Due to my pre-requisite classes that I enrolled in, I was flagged as a student who was not authorized to dropout online ( something that I wasn't aware of, when I called the advisor hotline # I was told to go online to fill out dropout request ). I reached back out to the advisor general email box, sent an email on XX/XX/XXXX to explain my situation and screenshots that I couldn't drop out online, an advisor by the name of XXXX XXXX informed me I can't dropout onine and to contact my assigned advisor XXXX XXXX ( only he can submit the request I was told ). The same day I reached out to my advisor, he specifically said to send him an email with my student ID number and a statement that says " I will not be attending XXXX, please accept my dropout request ''. My advisor specifically said " I will take care of it and make sure it does get processed ''. It wasn't until XX/XX/XXXX ( after the withdrawal date ) that my advisor told me, " oh you actually have to fill this dropout form out and send it back ''. This was all after the withdrawal date, so now I didn't qualify for for full 100 % refund and now XXXX claims it is my responsibility to pay this amount, along with Conserve the debt collection agency. I submitted 2 written letters to Conserve explaining my situation in DETAIL, even sent copies of email communications from my advisor with this instructions on how to drop classes. Altought I supplied Conserve with facts, they don't actually research the dispute. They just send a copy of the " XXXX withdrawal dates " and claim my debt is valid. This has happened twice now and CONSERVE is not actually RESEARCHING my concerns. They are not reaching out to the advisors to confirm what they told me to do to succesfully drop my classes. As a result, I'm submitting a CFPB complaint against them. They are not truely a debt collection company that RESEARCHES consumer debt disputes. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
SPS Servicer for XXXX XXXX  Note Holder Since XXXX, I've been in the process of a modification for a loan as well as the assumption of the loan per court order in a divorce settlement. Over the past actually nine years, I've been trying to do the modification process. 

Within this process of review, they filed a foreclosure during a dispute. The dispute was filed in XX/XX/XXXX, and they filed a foreclosure in XXXX of XXXX while it was under review. I received a letter stating that there would be no legal actions taken against me, but there was. 

Then COVID happened which put things behind for a couple of years. And here we are in XXXX where I have consistently supplied all the documents they have requested. And each and every time I get a letter of a completed package, it never fails that a week later they say something's missing. And the same item that's missing they say is an income statement or profit and loss statement or a W2 or a paycheck stub. 

I have several emails showing that things have been received. I've attached a sample letter of the most recent situation on XX/XX/XXXX where my package was completed and sure enough a week later they said that a paycheck stub was missing. I have submitted paycheck stubs and profit and loss statements as far back as XXXX beyond the three months that they're asking for. 

This has been a grueling process for the past seven years and no one should have to go through this. I applied for loan forgiveness, for the arrearages, and asked for fees to be waived because they are accumulating while I am in the mod/assumption process. The foreclosure sale also keeps getting rescheduled and then canceled. 

All I want to do was addressed the arrearages that were left to me in the divorce and pay my mortgage. 

My best contact phone number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Received an alert from credit reporting agency apparently this company by the name of Jefferson Capital System reported information to my credit report without notifying me to give me a chance to dispute this debt, that is a violation of my rights as a consumer you just can't report something on a credit report without first notifying the consumer and validating this said debt. I want this removed from all credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I check my reports regularly through Credit Karma. Roughly 1-3 weeks ago, I noticed a few new accounts on XXXX end that I was unfamiliar with. Here are the accounts that I arent mine : CLOSED ACCOUNTS : 1. ) XXXX XXXX XXXX. Opened XX/XX/XXXX, XXXX Credit limit {$700.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. 
Closed on XX/XX/XXXX. 

2. ) XXXX XXXX Opened XXXX XXXX. {$5000.00} loan, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 

3. ) XXXX XXXX XXXX. Opened XX/XX/XXXX. Loan of {$26000.00}, last payment on XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 


*OPEN ACCOUNTS* 1. ) XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX Credit of {$500.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX 2. ) XXXX XXXX XXXX Opened ( unknown ) original balance of {$44000.00}. Last payment on XX/XX/XXXX, last reported on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, original loan balance of {$47000.00}, monthly payment {$680.00}, last payment XX/XX/XXXX, Last reported XX/XX/XXXX. 

4 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, highest balance of {$460.00}, reported balance of {$260.00}, last reported on XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, Original balance of {$10000.00}, last payment XX/XX/XXXX, last reported balance on XX/XX/XXXX of {$9300.00}. 

6. ) XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX, credit limit of {$5000.00}, last payment on XX/XX/XXXX, monthly payment of {$170.00}, last reported on XX/XX/XXXX, open balance of {$3400.00}.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: NV

Complaint narrative:
Institutions refuse to report payments to the credit bureau to show Ive paid my car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Collection Service Center XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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 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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX and 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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VT

Complaint narrative:
Around the beginning of XX/XX/XXXX I was contacted by Credence Resource Management LLC ( CRM ) in regards to an alleged telephone bill from XXXX XXXX XXXX. 

I settled my final bill directly with XXXX XXXX XXXX in XXXX of XXXX. 

CRM provided me with a form to dispute the debt and request proof of the debt. I used their form to mail my dispute to CRM and to request proof of the debt.

CRM did not pause collections and did not provide me with proof of the alleged debt. 

In late XXXX I received another collection letter from CRM. To date, no proof of debt has been received and collections were not paused while they find and provide the required information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 and 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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received an email XXXX from Chase Bank saying We're reviewing your Chase Total Checking application You're all set for now. We'll send a response to the email address you provided on your application within 1 to 2 business days. 

Please don't resubmit your application, which could delay our response. 

Thanks for your interest in a new Chase Total Checking account. 

I called Chase who said several accounts were open in my name but nothing was active. I have never banked with Chase. 

Then this morning I received an email saying Your new Chase Total Checking account is open and ready to set up Here 's a quick look at how to get started. 
Your card is on the way Chase Mobile app on phone screen and a Chase debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Transunion continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-15 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-05-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief