vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from World Finance in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. World Finance attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. World Finance reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued XXXX and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. XXXX or World Finance has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Ive mad several attempts to dispute a error on my credit report. XXXX fail to take the proper steps once I fully communicate the error that was made on my credit report. Im being held responsible for a debt that is not my original creditor. In section 611 states I have the right to report misinformation/ error on my credit report. Information that was reported to my credit report is not truthful because I did not have service or a contract nor was I legally bind to pay Southwest Credit. Southwest credit should be deleted from my credit report because this company is not my original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was sued by Midland funding on a debt that they purchased. The debt was charged off. They have a totally different amount than the charge off. They NEVER gave me Notice. After reaching out to them, plus number of times challenging through the credit bureaus I finally had them send me some documentation concerning the debt in question. I researched Midland and found that they filed suit on XX/XX/XXXX in XXXX XXXX and posted service to XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please see Attachments : I have not lived at this location since XXXX. 

So for starters, this was a volitation of Federal law given the facts that in their possession from the documents they sent me shows Clearly that I lived at XXXX XXXX XXXX XXXX Virginia at the time from the creditor 's Statement balance of {XXXX} Which I may add is in XXXX XXXX XXXX  XXXX Virginia Not XXXX XXXX. Please see Attachments : As I mention those two facts shows they are in violation of Federal Law. 
In XXXX was was living in XXXX XXXX up to XXXX. I was living in Maryland from XXXX until XXXX and I did not get notice of none of this process from this company. 
However this company chose to Violated federal Law and my rights by posting a notice on an address that I have not live at since XXXX which was a convenience to them instead of following federal Law. 

They sued for {XXXX}, the account had a balance of {$670.00} on my credit it shows {XXXX}. Collection another violation of my rights with the wrong amounts. see Attachments : This company has refused to remove this off my credit and caused me to miss out on buying a house and brought my credit down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued Equifax and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. Equifax or XXXX XXXX has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-09 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
NetCredi.com accordance with the fair act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My loans changed from Navient to Aidvantage. Ive tried multiple times to log in and take advantage of the pause on loans but I have yet to be able to see my loans. And their website states nothing is to be done until prior to the first billing. I feel as though Im unprepared. I also notice that interest is still accruing even though there should be a pause on interest. I can see interest accruing because my credit score changes and shows me my debts are growing larger but I cant actually log in to Aidvantage to see the actual amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
I had four student loans that were being serviced by Edfinancial Services ; however, my loans were transferred from Edfinancial Services to XXXX several months ago when I applied for PSLF/TEPSLF. Moving forward, all four loans have been forgiven under the PSLF/TEPSLF, but Edfinancial continues to report the loans as if they are still servicing them and as if I still have a balance. I tried to dispute them on my credit report, but Edfinancial told the credit bureaus that my loans are still being serviced by them and they even reported that I have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have contacted this company on multiple occasions to resolve two fraudulent accounts in my name. I have sent them all documentation including FTC report and police report, and each time was told an investigator would be reaching out to me through phone, which never happened. I even told them during the last phone call to promise me this would happen since it hadnt yet, and they did. However, its been months and I still have not heard. I did receive one email correspondence but after I provided all necessary documents and information, they still have not removed this account from my name and credit report. Its clear they are not willing to work with identity theft victims and would recommend people refuse to work with such company. I have attached several documents including FTC report, police report and formal letter to company with this complaint. If necessary, I can provide even more documentation, including dates. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: MI

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

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NY

Complaint narrative:
Experian took over 30 days to respond to my dispute letter from XX/XX/2022. They are required by law to respond within 30 days, and they failed to do so. 

I sent a second letter on XX/XX/2022 stating I would like a description of the procedure used to determine the accuracy and completeness of the information including their method of verification. I stated in the letter that I do not consent to E-oscar or any means of automated verification. 

With the response I got, Its certain that it came from an automated system, which again I dont consent to! 

I have proof and I'm keeping a careful record of their actions. I will file small claims action against Experian seeking {XXXX} per violation for : 1 ) Defamation 2 ) Negligent enablement of identity fraud 3 ) Violations of the fair credit reporting act 4 ) Finacial injury Please let me know if you need proof they received a letter as I paid for certified mail and I'm keeping all records of Experian and myself.

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 2022-04-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
GOLDMAN SACHS BANK USA HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have repeatedly every month disputed this debt and have asked for proof of debt and none has being finished by the company. It says I had opened an acc wkth XXXX in 2016 when I did not have an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: SC

Complaint narrative:
XX/XX/2022- Experian. Over 30 days NOT RESPONSE!! Please refer to complaint # XXXX. " Company response is in progress as of XX/XX/2022. '' I have NOT received feedback from the complaint number XXXX. 

I posted proof that a XXXX XXXX account was deleted from my Experian account 3 TIMES. 

The XXXX XXXX account was DELETED 3 TIMES. Therefore I cleary proved there was inaccurate infomation. 

WHY WAS THE XXXX XXXXT PUT BACK ON MY CREDIT REPORT AFTER IT WAS DELETED 3 TIME. 

I have attached the printed out credit report from the website. It shows the dates and deletions. 

Laws have been broken : Subsection 606 15 U.S code 1681d ( b ) 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

612. Charges for certain disclosures [ 15 U.S.C. 1681j ] DOCUMENT ATTACHED. SHOWING PROOF THAT THE XXXX XXXX  account was deleted 3 times!

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 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I was sent a letter from Credit Management , LP dated XX/XX/XXXX. This was a letter stating I owe XXXX XXXX ( XXXX ) {XXXX} from XXXX. This is a 5 year old debt they trying to collect on. My state limitation is 3 years. I responded to this letter on XX/XX/XXXX with a validation letter that I mailed to them via Certified U.S. Postal Service. They received this letter from me on XX/XX/XXXX. There was no response from them to valid this debt. I followed up with another validation letter mailed via Certified U.S. Postal Service on XX/XX/XXXX. They received this on XX/XX/XXXX. I received notification from a credit monitoring app that I had a new collection on my report. They placed this debt on my credit without them validating this debt or sending me anything to prove this was my debt. The FCRA gives companies 30 days to respond and as of today I have no received anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The name and birthday connected to my credit account are not my legal name. The name on my report now is XXXX XXXX but my full name is XXXX XXXX XXXX XXXX. My birthday is XX/XX/1989.

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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX  accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. 

According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( 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 2022-04-09 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:
XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE

Company response to consumer: Closed with explanation