vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user XXXX should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
I would like to dispute off the following accounts on my credit report. 


EQUIFAX : EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Customer Service XXXX XXXX Subject : Dispute of Fraudulent Account - XXXX XXXX - Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name. The account number provided to me is XXXX with an outstanding amount of {$490.00}. This account was created without my knowledge or consent and is the result of identity theft, which occurred while I was XXXX. Prior to my XXXX, several sensitive documents were stolen from me, including my Drivers License, Passport, wallet, and a storage case containing other sensitive documents. This incident is detailed in the attached police report. I have also attached my XXXX XXXX, which confirm my whereabouts during the time the fraudulent account was created. I returned from XXXX in XXXX of this year. Given these circumstances, I request that XXXX XXXX  take the following actions : 1. Immediately close the fraudulent account number XXXX and remove any charges associated with it. 2. Conduct a thorough investigation to ensure there are no other fraudulent accounts or transactions associated with my name. 3. Provide written confirmation that the account has been closed and the fraudulent charges have been removed from my credit report. Please consider this letter, the attached police report, and my XXXX XXXX as part of my formal dispute. I appreciate your prompt attention to this matter and expect to receive a resolution within the 30-day period as specified by the Fair Credit Reporting Act ( FCRA ). Should you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this serious issue. Sincerely, XXXX XXXX Attachments : * Police Report * 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SG and Associates
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a call from Stafford Group and Associates located in XXXX, California with the phone number XXXX. During the call, I spoke with a customer representative who informed me about an outstanding loan from XXXX. They mentioned that they had sent documents to my previous address at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I clarified that I no longer resided at that address since XXXX as I had updated my address with the post office. The representative asked me to acknowledge owing an amount of {$3000.00} without providing any written proof. I expressed that I would not confirm or deny anything without proper written evidence and not over the phone. The representative threatened legal action but did not provide me with a case or account number for reference. I offered to provide my current address for them to send the documents they claimed to have already sent, but they refused my request.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Hi, I am requesting a copy of the original purchasing agreement which involves SPRING OAKS CAPITALLLC and the company the alleged debt was purchased from in order the verify the following items. Correct amount alleged owed, the original amount alleged owed to original creditor, account transfer date, legal document bearing my signature authorizing the sharing of my personal and private information, required correspondence from SPRING OAKS CAPITAL LLC informing me of my consumer rights prior to illegally entering possible false and inaccurate information to my personal consumer report and verification that the alleged debt was sold for less to SPRING OAKS CAPITAL LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user JCPenny should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC
State: MI

Complaint narrative:
My lender XXXX XXXX  Has been inaccurately putting in my payments, and are charging me Interest. I have the receipts through email, text, and on their web page that says that I was paying on time. Even though the payment receipt is on their web page. They're still saying that I did not pay for XX/XX/XXXX and they have that I am 50 days late. And now they claim that I owe them {$600.00} and they sent me an email XX/XX/XXXX saying that they sold my loan to a new creditor foresight. I recently just got a letter on the 2nd from the new creditor foresight that I owe them {$910.00} and they are going to repossess my vehicle by the XXXX of XXXX for back pay. I have asked both creditors for a copy of my contract neither one has it they say. They want me to pay both creditors. My loan with the principal was XXXX and it shows on their website that I only paid {$2000.00}. I have receipts that say that I've paid {$8000.00} of my current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield accessed my credit report without my permission, multiple times XXXX - XX/XX/year>, severely damaging my reputation and my credit worthiness resulting in the denial of credit and housing. I verbally gave them cease and desist on XX/XX/year> - ( which I have a recording of ) that they blatantly ignored by continuing to put C for collection on my credit report every month in attempts to coerce me into paying them. I sent a notice of dispute on XX/XX/XXXX, they ignored that. I sent a second notice of dispute with green receipt tracking from the first notice as well as an affidavit of truth, and a cease and desist with consumer specific instructions that has been ignored as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hi, I am requesting a copy of the original purchasing agreement which involves LVNV FUNDING LLC and the company the alleged debt was purchased from in order the verify the following items. Correct amount alleged owed, the original amount alleged owed to original creditor, account transfer date, legal document bearing my signature authorizing the sharing of my personal and private information, required correspondence from LVNV FUNDING LLC informing me of my consumer rights prior to illegally entering possible false and inaccurate information to my personal consumer report and verification that the alleged debt was sold for less to LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to dispute off the following accounts on my credit report. 


XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX XXXX  XXXX of XXXX : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
I would like to dispute off the following accounts on my credit report. 


XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
I do not remember taken out this loan in 2016 They are letting a third party collector call members of my family i ask them to stop he laughed at me and called me names and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and noticed inquiries that doesn't belong to me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: WA

Complaint narrative:
I changed banks around XX/XX/XXXX. I called and made payments arrangements only for 2 future dates. On XX/XX/XXXX I called and they spoke with my bank to authorize auto payments. Nothing was fixed. XX/XX/XXXX or around that time I spoke with them again to set up payment arrangements. Spoke with a male. We spoke with my bank again. They authorized my auto payments. Nothing was fixed and they later on emailed me again saying my payments were late. Please help stop this fraudulent action on my behalf!

Company response to consumer: Untimely response
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Was informed from Edfinancial on XX/XX/XXXX that I was approved for a refund of {$5300.00}. However on XX/XX/XXXX EdFinancial opted to reduce the amount to {$2300.00} without any explanation. Furthermore, they have stated that refunds have been sent totaling : {$1500.00} for which have been received. However when questioning the difference of {$3700.00} ( original difference amount ) or {$790.00} ( updated amount ), EdFinancial is refusing to provide further updates besides stating to talk to XXXX XXXX XXXX. When speaking with the XXXX XXXX XXXX, they have stated to talk to the servicer. My borrower defense claims are part of the Sweet v Cardona settlement and were approved in XX/XX/XXXX.

Company response to consumer: Closed with explanation