vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 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 2022-08-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: VA

Complaint narrative:
XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over XXXX in XXXX & several lenders are not reporting on time or accurately

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/2022 I received a notification that my credit score with XXXX decreased my XXXX point due to a 30 day late reporting. When I opened my monitoring service it showed that Fortiva Credit has me with a 30 day late as of XX/XX/2022. I called the XXXX XXXX and I asked them if I was late paying my credit with Fortiva and recorded saying I am not late for XXXX. I made my payment for XXXX on time and my XXXX payment is not due until the XXXX of the month. This company deliberately reported my credit inaccurately which caused a harm to my credit score. 

I HAVE BEEN TELLING THE CFPB THAT THE CREDITORS ARE DELIBERATELY MESSING WITH MY CREDIT AND THEY ARE NOT BELIEVING ME I AM NOT CRAZY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credible Labs Inc.
State: VA

Complaint narrative:
Applied XX/XX/XXXX & denied while having a great score with not a single missed payment - I have had excellent credit since XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX  XXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( XXXX ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX XXXXXXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

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 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity has called me 8 times s In 6 hours this morning. XXXX XXXX has called me 5 times in 6 hours. Its ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since 2016 I have had great credit, and made on time full payments, yet this company owned by Truist Financial Company has denied any wrongdoing. I opened a checking account online, never received my routing/account number & was denied for a loan with outstanding payment history because of XXXX, XXXX & XXXX who illegally modified my credit scores to make it look like I had less than reputable history. 

Truist Financial Corporation aka LightStream was offering {$200.00} with {$500.00} in direct deposit bonuses - I have no access to my login information online, but have images of the account being registered successfully. I was denied a loan under false pretenses and given a Know Your Customer code and told to " visit a branch '' -- - no other bank forces you to come in to make a deposit, I was never mailed a debit card either!

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 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
account number XXXX Reference Number : XXXX 1/ Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XX/XX/2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from State collection service. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Couch Lambert LLC
State: TX

Complaint narrative:
1. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement XXXX XXXX XXXX XXXX XXXX in regards to Cause No. XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the 9th Judicial District Court of XXXX XXXX XXXX TX XXXX 

2. XXXX XXXX XXXX claims to represent XXXX XXXX in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

3. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

4. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

5. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

6. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, Director of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

7. On or about XX/XX/XXXX I received a letter from Couch Lambert, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) 8. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

9. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from Couch Lambert, LLC or XXXX XXXXXXXX XXXX to any of my attempts to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported melate. I tried to resolve it with them in 2015 and they never fixed the issue. They instead reported latepayments and reported it as a collection. 

I submitted a claim to the CFPB already claim # XXXX. 

Aidvantage replied to the CFPB saying they would remove it from my credit report in XXXX and they still have not removed it. 

Interest rates have been going on on home mortgages and I can pursue the company for financial distress since it is impacting my credit score and rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: OR

Complaint narrative:
I paid well over the amount advertised. They took XXXX dollars out of my bank account every week for a long time after I realized I've paid more then what I should have I cancel the bank account. I wrote to them explaining that I've overpaid they then told me I agreed to pay interest which I never did and asked them to stop reporting negative false information. They closed the account then reopened and tried to take money out of my bank multiple times. I've tried to ask them to provide me with a valid signature from me agreeing to pay interest. The claim I owed XXXX dollars the within 2 months it's over XXXX that's pure insanity.i would please like this dispute to be open so that potential landlords can see I have disputed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 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: MO

Complaint narrative:
EXPERIAN has committed fraud and falsely reported accounts, addresses, inquiries, and employers on my consumer report.

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 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 explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Didn't receive a notice of right to dispute or to request validation of this alleged debt prior to this collection agency reporting invalid information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: I.C. System, Inc.
State: VA

Complaint narrative:
In accordance to the fair credit reporting act XXXX  account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.

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