vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
XXXX, Equifax and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

XXXX Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) Equifax XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
Experian, XXXX and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

Experian Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient calls me every hour from XXXX XXXX for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and request the eradication of a charge-off/collection account on my credit report associated with from XXXX XXXX Account XXXX XXXXXXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am committed to enforcing these rights to rectify the inaccuracies in my credit report. 

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX  and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received several calls from XXXX at Midland Credit Management ( XXXX ) over the Holiday weekend pertaining to collection of a debt for someone else. When they called me on XX/XX/23, I told them I was not who they are looking for ( verified address & name ) and asked them to stop calling. I asked them how they got my private phone number but they would not tell me. This information was obviously XXXX and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am having trouble recognizing an account, please provide me with any account documents that shows the alleged debt belongs to me. Account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We are currently paying our VA mortgage loan through Lakeview Loancare, and the website has been down since last Wednesday or Thursday. There is talk among clients that their financial bureau, XXXX, had been breached, but we have received no alerts, updates, or news regarding this information. I can not get through to Lakeview to inquire about anything since websites are down and phones are not being answered.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Incorrect address and names is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
I have been requesting information regarding my Experian credit report. I have sent numerous request regarding incorrect credit reporting. Based on the FCR section 611 ( 5 ) ( a ). According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I have requested disputes with Experian and they are NOT investigating and just updating. The following accounts are reporting inaccurate. XXXX XXXX XXXX. They are reporting as a reposession EVERY MONTH since XXXXXXXX XXXX XXXX. This is inaccurate and has re-aged this account on the file.XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Experian has been reporting this account as charge off since XXXXXXXX XXXX XXXXXXXX which is now re-aged on my credit profile.Experian has reported these inaccuracies and i am DEMANDING they are removed from my credit profile.

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 2023-11-27 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: PA

Complaint narrative:
There is a multiple inquiries on both my XXXX and Equifax reports that I did not authorize them to look or run my credit. Please update and remove these inquiries from my reports. I have attached a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have been trying to log on to Loancare 's website and app since XX/XX/21 to pay my XXXX mortgage. The site has been down this whole time. I have called and have not been able to reach a person. Most of the time the call disconnects. I have received no information via email or otherwise as to what is going on.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

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

Company 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 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: PA

Complaint narrative:
According to Klarna I have {$2600.00} in purchase power. I have never been denied their financing options before nor any other of their competitors. When trying to purchase something for {$1800.00} that is supposed to have a no interest 36 month financing program from Klarna I am only presented with other options much less favorable. I contacted Klarna to ask why this is happening if I have never had a late payment to them, I have more than enough purchasing power, and I have excellent credit. They have refused to give an answer and just claim the process is automated. One representative who I spoke to suggested me paying off another small purchase with Klarna. I made this payment in full 7 months early. This had no effect on my ability to finance the other item. I told them they are required by law to inform me of the reason but they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: AZ

Complaint narrative:
I filed a claim in regards to the Equifax data breach from XX/XX/XXXX to XX/XX/XXXX XXXX due to I have had time was spent making calls to Equifax trying typing and creating dispute letters and looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent calling Equifax Multiple times time was spent filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent standing in line at the post office. This happened around XX/XX/1920 I spent over 20 hours my loss was due to you know, notary vaccine, postage copies, my mileage, my time you know my long distance, my phone phone bill and I come up with about {$4000.00} in in a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MI

Complaint narrative:
Loan Care LLC ( who is notoriously difficult to deal with as is ) has been down for almost 2 weeks now and I have been unable to make my payment, which is now late. The website and phones are both down and have been down for ( as far as I know ) 15 days but many reports online say they have been down for almost a month now.

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 2023-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXX I deposited the check into my checking account ( Bank of America ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. Bank of America ended up closing my account and asked me to pay a closing fee. I payed the fee to Bank of America which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and 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 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hi. I was having difficulty making monthly payments. Goldman offered a payment plan and was suposed to take pmts automatically. I was taking care of other debts and didn't realize they were not taking money until I got a notice stating it was sold to a collection agency. I was confused because I didn't receive any notifications from Goldman. I continuously asked why they didn't set it up and no answers. I recently received a check from them for {$270.00} for a good will credit for not processing my account correctly. This does not resolved the damages. XXXX, a collection law firm, has entered a judgement against me as well for this. If the auto pmts were set up the series of events would not have took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XXXXXXXX XXXX XXXX my account was closed by Wells Fargo for a check that I deposited into my account from someone buying a car from me. There was no reason and no explanation for why my account got closed

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 2023-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes

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 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I enter a debt solution program tower loans of XXXX al is on there list in the program we are doing what was instructed and have give them the number to contact they have constantly calling and even come to our home and served papers the was not served to me was just hand to someone at our home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
XXXX, XXXX and Transunion have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

XXXX Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) Transunion XXXX ( Inquiry Date XX/XX/XXXX ) XXXX  ( Inquiry Date XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This debt collector engaged in abusive. deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Loan XXXX XXXX Loancare Since last Wed I have been trying to pay my mortgage loan due XX/XX/XXXX. 
Website and app give error messages. Phone numbers called do not answer ( XXXX and XXXX ). Email response is that they are offline. 
I have tried everything to contact them, including the holding company XXXX XXXX XXXX XXXX. They also did not respond to emails and no one answers the phone ( XXXX ) I am concerned that if I can not access my loan by due date of XXXX that I will be charged a late fee. I have been paying online since I have had this mortgage and never had an issue before. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga 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 2023-11-27 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: MD

Complaint narrative:
I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MD

Complaint narrative:
I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please 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