vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc from XXXX, NH phone ( XXXX ) XXXX. The letter identified this company as a debt collector. The verbiage of the letter indicated that I owed {$610.00} to XXXX XXXX XXXXXXXX XXXX. 

All my credit cards are locked with each of the credit bureaus. It was not until I filed my takes in XXXX that I discovered my identity had been stolen. I am retired living in FL and I do not do any online courses. My identity has been compromised. The IRS has indicated that someone filed taxes using my XXXX and XXXX at my address. What was missing on the IRS tax form was my full name. I filed an identity theft report with the IRS. 

I called the debt collector phone # and a someone answered, then hung up. I called back and the same person answered but did not hang up. I explained the debt was not mine. The company rep was rude and said to call the college, that the debt was mine. He wanted my XXXX #, which I did not provide. I responded my identity was stolen and asked for the last name of the person who owed the money. since only my first and middle name appears on the debt collection letter. The debt collector rep would not answer and told me to contact the college before hanging up. There is only an account # noted with the name of the college, but no phone #. According to the letter I can only dispute the debt in writing by XX/XX/XXXX either by letter or on their website. 

I filed a fraud alert with XXXX on XX/XX/XXXX and was advised to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NC

Complaint narrative:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20 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: AL

Complaint narrative:
After reviewing my credit reports I believe I have become a victim of identity theft. Many accounts were established in my name without my permission or consent. Please be reminded that the FCRA Section 605 ( B ) states that any fraudulent accounts that resulted from identity theft shall be blocked in a certain time frame. Also, the Fair Credit Reporting Act states that it's important for credit reporting agencies to maintain accurate information on credit reports. I am writing this letter to remove any fraudulent accounts that don't belong to me. I have provided you with a police report and Federal Trade Commission Identity Theft Report detailing the crime. I have been working with the police and I have hired an attorney as well as a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be removed from my credit profile immediately. Experian, XXXX and XXXX are practicing willful negligence and unethical verification of fraudulent information of my credit report by not complying with the FCRA.

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 2023-10-20 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: Guild Holdings Company
State: GA

Complaint narrative:
In accordance with the Fair Credit Act this creditor has violated my right under XXXX XXXX XXXX sec XXXX that states I have the right to privacy, also under XXXX XXXX XXXX section XXXX a consumer reporting agency XXXX not furnish my account without my written instructions. Under XXXX XXXX XXXX ( A ) a creditor XXXX not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to dispute multiple items on my credit report. I have attached a copy of the report and highlighted the items in question. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request you review these items and correct or remove any inaccuracies. 
For each of the accounts listed below, I point out the following inconsistencies according to Metro 2 Codes and reference 15 U.S.C 1681 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 5 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 4 late payments.

- **15 U.S.C 1681** : I request validation of these late payments. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 2 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
5. **OFFICE OF THE ATTY GEN - XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 9 late payments.

- **15 U.S.C 1681** : I request validation of these late payments.

6. XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) and Amount Past Due ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments and a past due amount of {$15.00}.

- **15 U.S.C 1681** : I request validation of these late payments and the past due amount. 
For each of the above accounts : - I request validation of the late payments reported according to Metro 2 guidelines.

- Additionally, for accounts with outstanding balances, I ask for a detailed validation of the debt, including a breakdown of the balance, any interest or fees added, and a copy of the original agreement. 
As mandated by the FCRA, I expect this investigation to be completed within 30 days. If the investigation isnt finished within this timeframe, or if the disputed information is unverifiable, I request these items be removed from my credit report. 
I look forward to your prompt response and resolution of these issues. Thank you for your cooperation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-10-20 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I reviewed my consumer report and there is information reporting that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. I understand that you have the authority to decline or resend the information. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. If you believe I obtain procession of goods and services, I need a senior executive member of the company to put it on an affidavit signed under penalty and perjury notarized. This is causing me extreme stress and allowing me not to live my life due to fraudulent reporting. Please tell me your method of verifying this fraudulent information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Company was notified before funding car that it was not working. Dealership would not take the car back on first day. Credit acceptance still funded the car regardless of not working. Company sold the car after repo from 30 days late. Never showed proof of sale minus balance. Charges accrued after sale each month and kept open after repo. No closed account or charge off. Reporting incorrect and fraud activity.

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 monetary relief
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XXXX : lost/reported stolen debit card and transactions occurring while I was working. I informed to USAA AND did an online police report. 
XXXX : Debit card was supposedly delivered and I didnt receive but it was being used and not by myself. Filed a claim XXXX : received deposits including from employment only to be told XX/XX/23 that my account is being closed and theyre terminating our almost 18 year relationship. Froze my money and left my children and I stranded in another state with no money or means of paying for ANYTHING. I was told by two different representatives my only options is to ask family/friends to western union funds for me to use. Also it will take up to 60 days before I MIGHT receive a paper check with my funds that were in there as of XX/XX/23. My bills didnt get paid and Im in another state with no gas food or money with one child that is handicapped. Cant believe after being a client for so long they can just treat me like Im nobody and terminate and take my money without any reason and leave me in this situation and not care.

I informed id show proof I was working during the time of use ( s ) and I even had MORE money in my account than what was taken and still they took every 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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Terrill Outsourcing Group
State: KY

Complaint narrative:
I was having this debt automatically withdrawn from my bank account monthly. I had no idea it was not being took out and the debt was this high

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On Nelnet, my federal student loan payments were due XX/XX/23 My approximate amount due was {$2200.00} On XX/XX/23 I requested to change my payment plan type to extended repayment, which would change my payment to around {$1200.00} per month. 
Today ( XX/XX/23 ), my account was changed to reflect my monthly owed as XXXX, along with my due date moving to XX/XX/23. 
I was given no warning of my payment change, due date change, or ability to pay my current amount owed today. 
I would like my account to accurately reflect the appropriate due date, and amount owed following my payment plan change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I didnt open these accounts.

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 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

I told the XXXX, Transunion, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 2023-10-20 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: EQUIFAX, INC.
State: NC

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. 

I told the XXXX, XXXX, and Equifax, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I went to Sam 's Club pharmacy and used the Synchrony Sam 's Club card. I was told that Synchrony closed the account. I was not told anything about this. I was shocked. 
I am on Social Security. I never received any document about this. 
I had to file XXXX  two years ago. Synchrony was on the list. 
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