vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2024-02-28 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: IL

Complaint narrative:
I have no knowledge of these accounts or applying to these accounts. 

Dear Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I notified ASPIRE that I have been a victim of identity theft and the fraudulent account being furnished on my consumer reports must be removed immediately. On XX/XX/XXXX ASPIRE responded with a refusal to comply with my instructions, the FCRA, FDCPA and my consumer rights. This is my 2nd attempt instructing you to remove the fraudulent account you have furnished on my consumer reports without my consent which is unlawful pursuant to the FDCPA, defamation of character and a violation of 15 U.S.C. 1681s-2. Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, Id like to inform you that you may be liable for your willful non-compliance as per FDCPA 807. You may be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for damages, costs and attorney fees should legal action become necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Debt was paid to original creditor, XXXX. CCS received notification of recall, yet is still reporting the debt. CCS gives mixed answers as to owning or servicing the debt.On reports it appears as owned, and the account open date is not the same as the date opened with XXXX. In fact, a month after it closed. I have had no business relationship with CCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
Hello, I have few hard inquiries on my credit file which I did not authorize and I believe those are fraudulent and I have contacted the Equifax credit bureau and sent all supporting documents. The below are the XXXX hard inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sent FTC report twice with all supporting documents but still they are not helping to remove the unauthorized hard inquiries. 

Kindly help me to remove the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
I found many inquiries from mr cooper and XXXX  XXXX XXXX in my record, the companies did not provide authorization to pull my credit or any product offered associated with their unauthorized credit pull that they sent me in writing. How did they get my information, my social security number, my address etc?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I hope this letter finds you well. As Im sure you are well aware, XXXX XXXX creditor has forgiven XXXX XXXX of all obligation to pay this alleged debt. I, XXXX XXXX XXXX am relinquished of all obligation to pay this debt, which has been officially canceled by the IRS. I have received my copy b. I no longer am going to allow Nelnet to tarnish my creditworthiness. I am invoking my rights under 15 U.S.C 1681b ( a ) ( XXXX ). I, as the consumer, am giving my clear written instruction to have my Nelnet accounts updated to paid as agreed, never late. Any course of action outside of updating my account to paid as agreed will be willful noncompliance under 15 USC 1681n. I expect my instructions to be met within 30 days from receipt of this CFPB compliant. Any future attempts to collect this debt will be done in the absence of good faith. I appreciate your immediate attention to this matter and anticipate receiving confirmation of my account being updated as I have instructed. Failure to respond in writing to this request within 30 days of receiving this notice will result in immediate action of a complaint sent to the SEC, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to 1st time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered

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 2024-02-28 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: FL

Complaint narrative:
HARD INQUIRIES ON MY CREDIT REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX I settled the rest of my private student loans with Navient and paid {$15000.00}. The transaction was received but Navient never sent me a Finalized Settlement Paid in Full Letter. It has been almost a year and the account is still showing as open and payments past due. Additionally, the private loans that are still showing as past due are all the loans referenced and specified in the settlement offer letter ( which I paid in full and on time ). Since the end of XX/XX/XXXX I have been calling and speaking to different Navient representatives and transferred to different departments explaining the situation. I emailed the XXXX XXXX  Team twice ( on XX/XX/XXXX and XX/XX/XXXX ) and no one replied. In one of the phone calls I was told to contact the Navient Customer Service Advocate team if the situation was not resolved by XX/XX/XXXX ( I would receive an email of the Finalized Settlement Letter ). When the lady from the Advocate Team called back I was given the main number to the private student loan department, which is one of the numbers I had already. In my final attempt I emailed the Advocate Navient team on XX/XX/XXXX. All I am asking is for my Finalized Settlement Letter paid in full AND for the account to be officially closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-28 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) 602. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX - Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # : XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) 602. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX - Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # : XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, 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 2024-02-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CitiBank and XXXX CITIBANK, XXXX got a copy of your XXXX Credit Report . 
CITIBANK, XXXX made a Inquiry by checking your XXXX Credit Report . 

Source : XXXX XXXX : CITIBANK, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX tried to access your XXXX credit file while it was locked. If you are actively seeking credit or new financing, simply unlock your file. 

Source : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/2024 2024

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 2024-02-28 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: MD

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 studying 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I got an error when trying to log in which said " Online Access Temporarily Blocked '' and to call. No big deal, I've been an Ally customer for 10 years and this has happened before. I call and they say my account is under investigation because my personal check from XXXX  XXXX XXXX I deposited $ XXXX to Ally bank. Ally flag it and called suspicious when they already withdrew $ XXXX from my BOA. The process will take 10 days to clear the check. Im fine with that but why locked access to my whole Ally bank accounts? Usually when I call, they immediately unlock the account and sometimes make me change the password. But to lock me out of my accounts for 10 days for no reason is wild when I already explained to them what I did. I get my direct deposits through Ally and use it to pay bills, so this is really a frustrating situation.

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