vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I have filed a formal report with the XXXX XXXX XXXX XXXX XXXX ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MS

Complaint narrative:
I used a link to try to place a security freeze on my NCTUE report. It ended up placing the freeze online but it DID NOT generate a confirmation page or the 10 digit pin I need to lift the security freeze. Nowhere on their website does it tell you how to handle this if it happens!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am part of the XXXX XXXX XXXX discharge/dismissal and have spoke to both borrows defense and my loan holder aid advantage and they just keep blaming each other but my loans were to be placed in forbearance until my loans were discharged from being a student of Corinthian colleges group discharge, I went to XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and I have been calling about this for years when I found out the judges ruling in favor of dismissal and so what was told to me is that it was going to be automatic that nothing was needed even if others had applied for borrows defense, this is affecting my credit in so many ways my last three months of schooling was charged illegally I was at school a total of XXXX minutes per week because I didnt have a XXXX  or a XXXX  once my XXXX  closed they told me I had to go to the nearest XXXX  that was building a XXXX XXXX because they currently didnt have a XXXX  program but I never ended seeing a XXXX  XXXX  they lied to me to not sign out out of my loans they lied to me telling me my certifications would cover nationwide, please tell me if I should apply for borrowers defense at this point to speed up my loan dismissal I was just going off what I was told a handful of times over he years and what the documents said on the official student aid.gov website. I have been affected in so many ways by this XXXX  and the few things I listed is just the beginning of how I was a victim of fraud by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing CFPB to formally request the removal of a debt associated with 3rd party XXXX XXXX XXXX from my credit profile on experian and XXXX XXXX The account in question is being reported under the following details : Experian - XXXX XXXX XXXX Account Number XXXX Debt Amount {$580.00} XXXX - XXXX XXXX XXXX Debt amount {$580.00} Please be advised that XXXX XXXX XXXX, located at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, is not authorized to collect debts in the state of XXXX according to the information provided on the NMLS Consumer Access. As a result, this debt should not be legally enforceable within the state, and thus, should be removed from my credit report immediately. 

I request that you investigate this matter and remove the debt from my credit profile. If you require any further information from me, please do not hesitate to reach out at the contact details provided above. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this debt has been removed from my credit report. 

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 2024-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Back on XX/XX/XXXX I received a letter from a debt collector XXXXXXXX XXXX XXXX XXXX XXXX informing me, that they tried to collect the debt of {$4100.00} on behalf other debt collector Cavalry SPV I, LLC. Within few days later, on XX/XX/XXXX, I sent a Debt Validation Letter to XXXXXXXX XXXX XXXX XXXX XXXXXXXX About two months ago, XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inquire about the requested documents, because I did not receive them. I was told XXXX XXXX XXXX  XXXX has no record of the account. I contacted the Cavalry SPV I, LLC customer service I was told the case is in Debt Validation department since XXXX. I have not received any correspondence from them yet, as of XX/XX/XXXX. I believe, if they can not validate the debt, and send all documents regarding the account, this debt should be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have spoken with the collectors who have called me with this collection in the past on more than one occasion to inform them of some hardships as to why I fell behind on those credit card payments. Multiple representatives from XXXX call me constantly even after hours into the night in a harassing manner about this mentioned account. I have disputed this for months on obtaining accurate information to be noted to report on my credit file ( XXXX and XX/XX/year> ) and the company did not rectify that either. The third-party portfolio is now suing me for the XXXX XXXX XXXX XXXX ) debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00}

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 2024-09-02 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These 7 unauthorized accounts and 8 inquiries were added without my knowledge or consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a formal report with the XXXX XXXX XXXX XXXX XXXX  ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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 am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.

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 2024-09-02 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 am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garrison Investment Group
State: FL

Complaint narrative:
To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. 

Per the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.

If this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: U.S. BANCORP
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.

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 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I keep receiving robot calls 7 days a week from Portfolio Recovery Associates , LLC and want the calls to stop. They are free to contact me by mail. I had sent a cease to desist to the original creditor requesting them to notify the collection agency they assigned the account to cease from contacting me by phone. They are harassing me on the weekends and that is a problem. I am getting your agency involved because I do not wish to be phoned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-09-02 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments l 'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action XX/XX/XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been a victim of identity theft. it began appx XX/XX/2024. My accounts were accessed, changed, applied for credit etc at all the named companies. Their " anti-fraud '' defenses completely failed me. They took little to none proactive steps to notify and stop the damage. 

In addition - you can not talk to a live person at experian. the phone service says that it is only allow transfer to an agent in certain circumstances. of course, it does not reveal what that is. i wasted hrs trying to talk to a person. As far as i can tell, the initial intrusion may have happened at experian. ( i'm no forensics person ). I repeated tried to freeze my credit report, and within hrs, it was unfrozen again. their performance is totally unsat.

They/the other 5 companies* besides experian thanked me for being a customer, complaint noted and said we will completed a form.XXXX XXXX XXXX XXXX XXXX except experian - you can't talk to them. but you can send XXXX XXXX XXXX XXXX XXXX i will be contacting the FTC and AZ Attorney Generals Office. 

we filed a report with the XXXX XXXX XXXX XXXX XXXX, case # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX allowed unauthorized access to my 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/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 explanation