vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: AZ

Complaint narrative:
I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I cosigned loans for my granddaughter, and she has been in forbearance with Discover student loans since XXXXXXXX XXXX XXXXXXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX XXXX XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When she reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of Discover and it caused her to experience XXXX XXXX XXXX XXXX  during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised her to reach out to a manager at Discover, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint.

This is causing unnecessary stress for me right now as my wife is going through XXXX XXXX This has gravely impacted both of our credit scores, and going through treatment her and my cards are now being declined. I am in need of assistance in trying to remove the default notices off our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my wife receiving her XXXX treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-17 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 XXXXXXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, 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 2024-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has vilate 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 2024-11-17 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-17 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: NC

Complaint narrative:
I verify my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need you investigate these items for accuracy. The items need be investigate XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I verify my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need you investigate these items for accuracy. The items need be investigate XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2024-11-17 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: Kashable LLC
State: NY

Complaint narrative:
I NEVER OBTAINED A LOAN FROM THIS COMPANY AND THEY ARE REFUSING TO HELP AND REMOVE THE NEG REPORTING OF INFO FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To whom it may concern This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not received any response.

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B1 2. Company has also no/ permission to report anything using my information pursuant to 15 USC1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage 65 % Balance {$130.00} Balance updated XX/XX/XXXX Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX Account type Credit cardXXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 3 % Balance {$16.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 33 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-17 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-17 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: OH

Complaint narrative:
I am victim of XXXX XXXX. The following accounts are a result of XXXX XXXX Attached is my VICTIM DETERMINATION LETTER, ID, PROOF OF ADDRRESS, AND FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employment Information XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-17 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: CA

Complaint narrative:
I cosigned loans for my granddaughter, and she has been in forbearance with XXXX student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of XXXX 's forbearance program. When she reached out to XXXX to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as XXXX has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of XXXX and it caused her to experience major XXXX  and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from XXXX is unprofessional, unjust, and unfair, and it was XXXX 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was XXXX 's error. XXXX is just refusing to do so. XXXX advised her to reach out to a manager at XXXX, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as my wife is going through XXXX treatments. This has gravely impacted both of our credit scores, and going through treatment her and my cards are now being declined. I am in need of assistance in trying to remove the default notices off our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my wife receiving her XXXX treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I cosigned loans for my granddaughter, and she has been in forbearance with XXXX student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of XXXX 's forbearance program. When she reached out to XXXX to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as XXXX has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of XXXX and it caused her to experience major XXXX  and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from XXXX is unprofessional, unjust, and unfair, and it was XXXX 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was XXXX 's error. XXXX is just refusing to do so. XXXX advised her to reach out to a manager at XXXX, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as my wife is going through XXXX treatments. This has gravely impacted both of our credit scores, and going through treatment her and my cards are now being declined. I am in need of assistance in trying to remove the default notices off our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my wife receiving her XXXX treatment.

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 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> one week before pandemic shutdown in XXXX XXXX ( CA ). The other driver was an XXXX customer. They tried to bill me for damages to that XXXX and I disputed the charges repeatedly via mail and email. I received no responses and, after 3 years, knowing rental companies had sold off their fleet, assumed it was moot. 

Now nearly 5 years later, XXXX a company out of Washington PA contacted me via email about this debt. Again, I have disputed the amount and I did my utmost to settle this matter in the years after the accident to no avail. 

I am furious that XXXX is trying to extort said monies after no response to years of trying to resolve this issue, contacting me out of the blue by email and another Collections agency with no notice of dispute resolution. 

CertainlXXXX XXXXXXXX are attempting to get paid on other long-standing pre-pandemic claims thus I'm making this public.

Company response to consumer: Closed with explanation