vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
A few years ago, Nelnet and the department of education started sending me emails for someone named XXXX. I am not XXXX. It is clear, even from my email address that I am not XXXX. I have contacted Nelnet and XXXX MANY times to fix this. On the last occasion, they FINALLY responded to say that I needed to prove to them I am not XXXX. Essentially, they want me to do THEIR job of finding the error they made when entering data. I have an account number for this person from Nelnet that I can prove does not match my own. Today, I received an email saying XXXX has missed several payments. I am very concerned that this person is now getting poor credit scores due to Nelnets negligence. If they are sending me this persons notifications, they could be sending my information to someone else. Frankly, this is terrifying that a government agency has our information wrong in their database. The idea that someone else may have my emails or is getting my personal information has me on edge. I will give them another month before I contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/24 a letter was sent to equifax advising there was incorrect information reporting to my credit about a few collection accounts and they have yet to respond and correct the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries that am complaining.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries that am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Credit AKA LVNV Funding LLC is collecting a debt for XXXX XXXX XXXX. The amount is {$1300.00}. I have tracked down accountholder name and it is identical to my name, different home address and different person. Ii seems the XXXX XXXX XXXX looked up the name and saw my same name and assigned collection to my name as it is same name. Now all three XXXX XXXX are carrying this uncollected under my ssn and my address which is not the original address debt was initiated at. This collection effort was made known to me by a letter on XXXX, XXXX  of the debt being collected given by XXXX XXXX to LVNV collection agency. I contacted XXXX XXXX and LVNV to dispute the collection amount. I also contacted all three credit bureaus and froze my credit accounts and requested a fraud alert be placed on my credit accounts. I am a former XXXX XXXX, former XXXX XXXXXXXX and presently am XXXX I have lived at my present address for over 24 years. My job can attest to my employment address and home address for these past 24 years. It seems that this debt was assigned for collection based on the same first name seen on a credit report. Obviously same ssn resulted and new address with my name was used to collect this past due account. I can vividly see how this error happened. I have filed a police report and am waiting to obtain copy of the police report. I will also file the theft affidavit and hope this debt is remove from my credit report. Any information you made need I can provide. 













XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have been trying to resolve the issue with this company for over XXXX years. I paid off this loan through a payday loan assistance company. I sent my payoff letter, my POA that I signed and the contract I signed. I also sent them the police report I filed after finding out that this company was a fraud. I filed a complaint with XXXX  and NEtcredit agreed to take it off my my credit report, but they have not. I filed a dispute with XXXX, and Netcredit stated the information was accurate. This is not what they told the XXXX  in my complaint. This has hindered me so much. I paid this company almost {$4500.00} just to find out that it wasn't the company it said it was. i just want them to stick to their word, and they have not. I keep sending in all the information they have asked me to send in and it keeps getting disregarded or they keep asking me to send the documents in over and over again. I just want them to keep their word. THey sent my info to a colletion agency called XXXX XXXX XXXX XXXX XXXXXXXX and they responded to the complaint and the complaint ID is # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
For the past few months in 2024 Ive been disputing this debt on my credit report. Lvnvd fund ( the creditor ) has been harassing me and reporting false information on my profile. I sent a certified letter to them and another company that had said they work for them. And still they keep harassing me and refusing to send me a validation request that I sent to them about a month ago still no response with the information i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Denefits LLC
State: FL

Complaint narrative:
XXXX  LLC. 

Last Reported XX/XX/XXXX {$2500.00} Reported Balance Opened XX/XX/XXXX ( 1yrs, 1 mos ) Term 12 months ( 1 year ) Company did not provide no services and is charging me for no service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I have been contacted by this service/company/business through repeated text message. I have spoken with them ( although not recently ) and very kindly asked for a copy of charges and an itemized list of what I was being charged for. Being that this is a very suspicious charge, dating several years back, I didnt plan to give them my debit information like they requested on the phone. I keep getting messages, wanting me to click a link ( which I wont do, obviously ) coming from a number that reads XXXX. I cant even call back. In texts, I have continued to ask for them to send me an itemized list of charges or to stop harassing me. I have explained, if I get legitimate documentation with the requested information, I will gladly pay the bill. I have received nothing. Just continued text messages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the past few years I have requested PMI cancellation but XXXX XXXX  has denied my request saying I was 30 days past due at least once in the last 24 months. THAT IS FALSE. I have proof my bank never paid the loan 30 days past due. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Nothing happened they still asking for money I don't owe to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: SC

Complaint narrative:
I am the victim of identity theft. I recently learned that someone used my personal information to make purchases with XXXX XXXX XXXX. This debt is not mine. Under the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. According to section 615 ( g ) ( 1 ) of the FCRA, I further request that you notify XXXX XXXX XXXX that the debt is the result of identity theft. 
Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 2024-04-01 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: MO

Complaint narrative:
My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in 2019 and I was left in the blind didn't know anything about what was going on other than this has to be paid or else... Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right

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 2024-04-01 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: MO

Complaint narrative:
My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in XXXX  and I was left in the blind didn't know anything about what was going on other than this has to be paid or elseXXXX  Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one has the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.

they sent me their investigation and stated these accounts are complete and accurate.

I checked my report and everything is still the same. And according to the 15usc 1681 i 5, they are supposed to do this ( XXXX ) treatment is inaccurate or unverifiable information. 
( A ) in general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly remove that item if information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
i put in for a wire transfer dispute i never received and dispute for fees and transactions on my account totaling about {$7500.00} bank of America kept flagging my account and told me it would take XXXX to XXXX  days to investigate and never gave me a credit or gave me my money back this has put me in debt with my car company because i was not able to pay my bills to 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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My issue is that it wasnt made clear to me before making XXXX XXXX purchases through XXXX XXXX on XXXX XXXX for XXXX euros and XXXX on XXXX XXXX for XXXX XXXX  how long my funds would have been held from me, and when I made the purchase I was VERY disappointed to learn that I couldnt access my money until XX/XX/XXXX and XX/XX/XXXX and also couldnt cancel the transaction either. A day later the withdrawal hold was extended without explanation to XXXX and XXXX of XXXX which is unacceptable. I absolutely need the money before this date. 

I have contacted customer support chat several times on the app without help or any explanation as to why my withdrawal hold has been extended so that I could help solve the issue. I dont want to use coinbase anymore, you guys have lost me as a customer, I just want the funds that I paid for. It would be fine to refund my money but since thats unlikely to be possible at this point Im okay with having the hold lifted to be able to withdraw my funds.

I especially dont want to wait the full withdrawal hold time since Ive read way too many stories of people having their hold times get arbitrarily extended again and again and not get any help from customer service in resolving or reviewing the case. Besides the money is currently urgent for me. Im going to be telling others on social media about my experience with coinbase. It seems if you want your funds toyed around with and no assurance as to when youll have access to them, coinbase is the way to go.

I have these two case numbers given to me through email : # XXXX and # XXXX

Company response to consumer: Closed with explanation