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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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 XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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 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 Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
Someone hacked into my XXXX account and made several purchases against a credit card I had on file with XXXX. The card was with First Natonal Bank of Omaha. I called the credit card company and reported the charges that was showing on my statement that I or my wife did not purchase with XXXX. The card company denied my claim because they said there was no proof that we did not make the purchases. I called XXXX and they had no record of me making these purchases. Ther was quite a few in XX/XX/2024. The only recent purchase that we made with XXXX was for 2 water filter for my refrigerator. I have several other credit cards and this has happened in the past and they just went ahead and credited me with very few questions. I did received a confirmation that a package was delivered with a picture from XXXX, but it was not my house and it was delivered to Georgia. I live in Virginia. I closed out both of our XXXX accounts and the credit card company issued me new credit cards. Now I am stuck with these charges and I can not prove to my credit card company I did not order these items. What can I do at this point?

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX  account when I moved because I was not allowed to transfer the service. When on the phone I was told the equipment did not need to be returned. I kept it anyway. A year later I received a phone call from a collection company saying that I owed {$160.00} for unreturned equipment. I called XXXX XXXX XXXX with the collection company on the line and they said that was their fault and I can return the equipment late and they will update my balance to {$0.00}. I returned the equipment on XX/XX/XXXX through XXXX I have the receipt for the return. I received a phone call another few months later again from the collection agency. We called XXXX XXXX XXXX again and they stated they would be pulling it out of collection. The equipment return had not been processed yet, but assured me that they would process it and take the account out of collection. The collection agency XXXX XXXX XXXX reported this account to my credit report again and I was made aware from XXXX credit monitoring on XX/XX/XXXX. I have never received any correspondence from Credence or XXXX XXXX XXXX about this account. I expect them to update their account and remove this incorrect information from my credit report. I will be cancelling all of my services with this company. I am on my 8th transfer again with XXXX XXXX XXXX trying to resolve this with noone being able to help yet including the collection dept/billing dept/managers/customer service. They are so large they think they can lie to consumers and pull more money out of them by inconveniencing them. I would be curious to see the amount of other consumers with false collections on their credit reports because of these companies.

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: 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 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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: Nelnet, Inc.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for NELNET to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account NELNET - XXXX NELNET - 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 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a late payment removal request to Capital One to remove the one and only late payment from my credit report. I have been on time for the last 4 years and this is taking a toll on my credit report. 

I sent the letter to them on XX/XX/year>.

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 — Information belongs to someone else
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Montgomery Ward is reporting a account on my credit reports that I did not open I want my right by fair credit 609 for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. The amounts for the two accounts are {$410.00} and {$3100.00}. I called midland credit where they told me there was no account on file attached to my name. I asked midland credit management to provide proof to me in writing via email or mailed letter that the accounts do not belong to me and they told me they couldnt do that. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc.
State: TX

Complaint narrative:
I never received an item that was discussed in the Conn 's Store in XXXX XXXX, TX XXXX. It was not delivered. When I received a contract, via email, my ELECTRONIC Signature, was used in areas of that contract that I had not agreed to nor purchased. It was a fraudulent contract. I notified the corporate office, and nothing was done. I started receiving harassing phone calls and emails asking me for money. I then filed a criminal complaint for Fraud on XXXX, against Conns, with the XXXX XXXX Police Department ( XXXX ). ( XXXX ) XXXX XXXX XXXX took this criminal complaint. The XXXX Report # ( XXXX ). On the fraudulent contract appeared a bed, which was never delivered, and the damaged coffee table and 2 end tables that were returned due to Conns. In other words, I have no furniture from the Conns store in my possession. Now, Conns has reported me as delinquent on my credit report and it is now affecting my ability to obtain credit from my financial institution. I have attached documents that show what Conns did in the electronic signature areas. Please help.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
Absolute Resolutions is a collection Agency that is currently intentionally reporting false information to the credit agencies. This account is currently listed as open and charged off as of XX/XX/XXXX. An account was never opened with this company on XX/XX/XXXX ( per report ) and an account can not be charged off and open simultaneously as they currently have reported. Also, This account was not charged off in XXXX as they reported. Please have this company remove this false information from my credit report as it is illegal and negatively impacting my credit rating.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Newrez, mortgage servicer, has changed the LTV criteria for removing PMI from my loan several times. I requested the criteria for removing PMI from my loan in XX/XX/XXXX. Newrez stated for mortgages where the owner has made significant improvements, the LTV criteria for removing PMI would be 80 % or less. I sent correspondence to Newrez substantiating my more than {$210000.00} worth of improvements and the fee for the XXXX. XXXX came back in XXXX that resulted in my LTV being 76.5 %. However, Newrez stated my LTV for a Fannie Mae loan had to be 70 %. I appealed the decision because this was not in line with the HPA, XXXX XXXX servicing guidelines, or the criteria they gave me in XXXX. I called customer service on XX/XX/XXXX for a status update and the customer services representative stated I was denied because in order to remove the PMI the LTV had to be 75 %.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I had CD with Marcus that expired on XX/XX/2024 with instructions to send the funds to an external account. Five days after that date, there was not transfer to my external account so I called it to find out what happened. 
I was told there was a hold on my account because I added a new bank account to my online profile. Now keep in mind, that this account was linked on XX/XX/2024 and for 22 days no one called or emailed me telling me a hold was on my account. So this hold was cleared up on the XXXX when I called it. I verified my external account and was told that I would get my $ XXXX transferred to my external account I just need to wait 3 business days. 
End of the day on the XXXX, I see no transfer so I plan to call on the XXXX and complain. 

Now today ( XX/XX/2024 ), I was told that there was a hold on my account. This time, they don't know why there was. Furthermore, like before, no one called to inform me of this hold. ( Keep in mind, I complained about no one telling me there was a hold on my account on the XXXX also ). I was told today now that everything is fine and my money will be transferred but I heard this before. 
So I want the CFPB to step in and fix this problem and potentially have Marcus by Goldman Sachs fined!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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