vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX. Account number : XXXX. XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I made a payment to the US Department of Education on XXXX, XXXX XXXX  in the amount of {$5000.00}. I continually checked my loan account and even after a month had passed the payment was never applied to my loan. I have contacted my bank to have them issue stop payment however the payment had already been cashed and they were unable to get the payment returned. After multiple attempts at contacting the US Department of Education and the loan servicer MOHELA they informed me that the payment was never received and to contact one another to figure out where the payment went. Each told me the payment was sent to the wrong address. If this was truly the case then how was the payment cashed and taken out of my bank account? The US Department of Education has stolen my loan payment and refuses to issue a refund or appropriate the payment to my loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUEST FR MY CREDIT FILE TO BE CLEARED OF ALL NEGATIVE ACCOUNTS AND INQUIRES ASAP PER TITLE 15 SUBSECTION 1681 A THROUGH Z PLEASE SEE ATTACHED NOTICE FROM DEFERAL BUREAU OF PRISONS

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 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: REPORTS, INC.
State: TN

Complaint narrative:
I was called multiple times by a company that would not identify themselves over the phone. They have the same script every time they call me.

The call starts out with " Am i speaking with so and so? '' I ask, " Who's Calling? '' They reply " We are trying to reach so and so about a personal business matter '' I ask again " Who are you and why are you trying to reach so and so '' they reply " We need you to verify your date of birth about a personal business matter '' I reply " I'm not giving out my personal information to someone who won't identify themselves. 
What is this call about? '' They reply " We can not tell you until you verify your date of birth '' Then I hang up. 

The calls went on like this several times over a period of a couple months. I finally looked them up and found out it was a company called Reports Inc. in XXXX TN. 
They have almost a dozen reviews of other people stating the same experience. 

I ignored them, because they have no right to my personal information if they refuse to say that they're calling about a medical debt. 

I was served a summons to court by a process server, regarding this debt. I called the debt collector to settle my medical debt and they added over {$180.00} to the original debt to cover their legal fees. When I told them I wasn't paying their self incurred legal fees, they said " we don't have an agreement then ''. 

I attached are screenshots of their XXXX reviews showing this is their way of operating and not an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My car needed to be fixed, I got my car from USA auto sales. I spent XXXX + to fix my car because when I filed a claim they said they couldnt do nothing about it because they had shut down and and my contract was no longer available to fund. So I had to pay out of pocket to get my car fixed when it was supposed to be under contract. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
In XXXX, I consolidated my FFEL loans into a direct loan so that they would qualify for the PLSF waiver. After consolidation took place, I submitted an application for PSLF in XX/XX/XXXX. My employment has been certified beginning XX/XX/XXXX. When I got my payment counts back, I was missing all payments prior to XX/XX/XXXX. These payments are not marked ineligible, they just do not appear at all on my record. I contacted Mohela regarding this issue on multiple occasions. At first, I was told that the Department of Education would update my payment count and that I should be patient. I submitted to Mohela evidence of the payments that I received from my FFEL servicer. My payments go back to XXXX. After multiple follow up calls, I was escalated to a supervisor who agreed that a case needed to be opened with the Department of Education to get them to review the missing payments, this was in XX/XX/XXXX. I continued to follow up with Mohela, but they were unable to provide an update. In XX/XX/XXXX, I submitted a request for feedback with the Department of Education. They responded in XX/XX/XXXX that a review would be done. However, there has still been no movement on my account. I will submit my payment history with this complaint, which shows that I have made well over the 120 payments required for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
There is an account open under my name that I was not aware of until I found out that it impacted my credit score. I called Goodleap ( Lender ) to let them know about this fraud and they told me that they couldn't help me because they were just the lender and that it was going to keep affecting my credit if I didn't pay. I called again to goodleap and now they are saying that they can close my account if they find out it was an actual fraud but they are not on the same page. Some employees say the account is under investigation and others say it is not. I have a police report that is still under investigation if you would like to contact the investigator. Here is the case number, XXXX XXXX XXXX Sheriff 's Office . Her name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-10-06 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: NJ

Complaint narrative:
I filed disputes with each credit agency ( XXXX, XXXX and TransUnion ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that 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 2023-10-06 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: NJ

Complaint narrative:
I filed disputes with each credit agency ( Equifax, XXXX and XXXX ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-10-06 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-06 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: TX

Complaint narrative:
A cease and desist letter were sent to XXXX and XXXX ( both of them impacting my credit report negatively ) They are required to cease ALL communication with me. 
FDCPA 15 usc 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium, Any medium includes my credit report. They owe me {$1000.00} for each communication they had with me since the letter was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I first learned of this problem when I received my monthly Sunoco card statement dated XX/XX/. It showed two transactions for unleaded gas on XX/XX/2023. The first transaction was In the amount of {$49.00} for XXXX gallons of unleaded gasoline, and the second transaction was In the amount of {$83.00} for XXXX gallons of unleaded gasoline. Both transactions were at the same merchant and location, XXXX XXXXXXXX, XXXX XXXX XXXX. in XXXX, Maine. I requested information from XXXX. XXXX, the merchant operating the Sunoco pumps. Using video, the merchant was able to confirm that my wifes Sunoco card information was used twice on the same day and at the same pump, in successive transactions ( with successive invoice numbers ), even though my wife withdrew her card from the pump after her transaction. In addition, the gallonage pumped in the second transaction was in excess of 1 1/2 times the maximum capacity of our car. I then contacted Sunoco customer service, using the phone number on my Sunoco card. The representative called up the two transactions and immediately agreed that the second transaction was fraudulent. The representative therefore canceled my wifes card, initiated a dispute, and issued a credit in the amount of the fraudulent transaction. Subsequently, however, I received a letter from Sunoco Security Operations denying my claim, also denying that I had identified any transaction, and claiming that there was not enough information to resolve the dispute in my favor. I am therefore appealing to CFPB out of a conviction that, either there has been some mixup on Sunocos part, or Sunoco is intentionally obstructing a legitimate claim. I would appreciate it if CFPB would intervene with Sunoco Security Operations to resolve the dispute, which is clear-cut and in our favor. Even the merchant ( XXXX XXXX ) agrees with 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 non-monetary relief
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I had a HELOC account through XXXX  XXXX XXXX that I thought was forgiven back in early XXXX for approximately {$92000.00}. I have not heard from any company until Planet Home Lending purchased the account from XXXX in XXXX I believe. When they took over the loan they agressively started collecting practices. They post late payments since XXXX and charged lated payments penalties and interest payments for a new balance of {$140000.00}. I tried to get a loan to payoff that loan but was denied several times due to the credit reports they posted about the loan. They set up a new finance agreement and monthly payment arrangements but still list the account as late monthly. They home listed the home on foreclosure site in which I have never been in foreclosure. Please help remove all late payments and foreclosure reports and stop them from continuing to list the account as late. Also they started something new where they list my payment is late if not received by the XXXX of each month without any notice. I typically make my payment from XXXX to the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
my information was exposed. I don't want to send mail.

Company response to consumer: Closed with explanation