vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: CO

Complaint narrative:
I have sent XXXX certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  G XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/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 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am in the process of closing on an XXXX loan for my XXXX XXXX to payoff a XXXX XXXX XXXX XXXX loan. In the process of closing, the XXXX company discovered a XXXX XXXX lien placed by Fifth Third bank, my XXXX XXXX lender, on behalf of XXXX for XXXX. On XX/XX/XXXX, Payoff requested by XXXX company to XXXX. Notified XXXX company on XX/XX/XXXX that XXXX had no record of the account or lien. XX/XX/XXXX, I was notified by the XXXX XXXX company that they could not complete the loan until XXXX lien was paid off and they would need the payoff information to continue. Reached out to Fifth Third for this information and was transferred around to XXXX individuals, but no one was able to find this information. I submitted a complaint to the XXXX XXXX XXXX immediately after that call. XX/XX/XXXX, Received a call from office of the president at Fifth Third Bank and advised they are working on providing the information. I allowed XXXX days to pass with no update provided and then reached out on XX/XX/XXXX to the XXXX XXXX XXXX. Advised again still working on providing the information. Exchanged XXXX calls between XX/XX/XXXX and XX/XX/XXXX only to be referred back to XXXX even after I indicated they did not have this information and it had to come from Fifth Third Bank. XX/XX/XXXX submitted my own request to XXXX for information. XX/XX/XXXX XXXX on behalf of XXXX reaffirmed they did not have this information and I would need to contact Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX XXXX tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
This company Equifax continues to report fraudulent information even after being notified I have a freeze on my report and it isn't lock apparently still open. My profile was never frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives XXXX compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.

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 2023-11-13 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans should be marked as paid in full or paid as agreed. They are not. This is very frustrating because when they close my loans, they were supposed to have the correct remarks on the account and it incorrectly affected my credit because although the loans were on the account, the loans were not supposed to be in a negative state as they never were and they were always paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NY

Complaint narrative:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, Ally Financial, has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, it states that a creditor may not treat a credit account under an open consumer plan as late for any purpose. Please assist in getting the late payment reporting from Ally Financial removed from my credit report. Thank you!

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In response to claim number XXXX Nelnet employee ( XXXX ) provided false, deceptive and misleading information regarding the signature because what theyve shown is not my signature nor did they produce any contracts that Binds me to any obligations. Nelnet employees bought the fraudulent created debt from Great Lakes now theyre saying that I as the XXXX XXXX XXXX whos not identified as persons owes them for fraudulent debts that they created. 

Employees at consumer financial protection bureau will be witnesses to the criminality taking place pursuant to 42 United States Code 1986 and to produce evidence they took regarding action for neglect to prevent further fraud from occurring. I have evidence which proves all debts and mortgages are created from fraudulent transactions and activities. 

How much did Nelnet buy debts from Great Lakes for vice versa? Produce the contracts between Nelnet, Greak Lakes, insurance companies, investors, United States Department of Education and the Owners of these Entities? 

Produce the tax documents filed on the alleged debts and reports made to the securities exchange commission along with all securities licenses to create financial documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I deposited the amount of {$19000.00} into a new checking account with the bank called Truist, on XX/XX/2023. I received XXXX letters in the mail, saying that Truist closed my account for an unknown reason I was told XX/XX/2023 that I will get a cashiers check mailed to me and wait XXXX business days until XX/XX/2023 and I still have not received the check. I called the branch and no one is giving me an answer. I called the fraud department they keep saying that on my account, it says a check has to be mailed but theres no date. Another person said a check was mailed XX/XX/XXXX, but no check still. I went to the Truist branch and they just keep telling me to wait its been a month, I asked to speak to a supervisor or a manager, and no one will see me and I have not received a clear answer to where my money is.

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 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
XX/XX/XXXX I was involved in an auto accident. I was rear ended while sitting in the turn lane waiting to turn. It totaled my truck. I went to the hospital did everything I was supposed to do. The XXXX XXXXXXXX XXXX XXXX contracted me. Gave me a claim number to use for all of my XXXX  care needs. I was told that all my bills was paid. Then later on I started getting a bill from the XXXX. I was thinking it was a mistake because I didnt owe anything and was told by XXXX XXXX XXXX all my medical bills was paid. So then I went to the billing department to find out whats going on. A lady told me that she couldnt get in contact with the insurance company. She said she called and left voicemails. And no one responded. I asked her did she mail a certified letter to them. She said no. Well this is a well known insurance company who also have a corporate number. So she told me since she couldnt contact them. They just put the bill on me. Which isnt right! I gave XXXX XXXX XXXX XXXX the claim number when I went to the XXXX. So how is all my other bills are paid except for this one? And I was told by the XXXX XXXX XXXX XXXX  that it was? Now XXXX XXXX XXXX XXXX has giving it to Mid-South Adjustment Co. , Inc. Ive disputed it. And they say I owe it. I received a letter from this today ( XX/XX/XXXX ) according to some of the letter. Mid-South Adjustment says According to our client they did reach out to you and your insurance adjuster how could they reach to the adjuster when it says they couldnt contact them?. Then it says Our records indicate multiple calls were made and statements was mailed also. Multiple calls wasnt made to me so who received the calls? They have the adjusters name on file. What does this have to do with me? Have they tried this hard to contact XXXX XXXX XXXX XXXX? How come XXXX XXXX isnt listed with me. This was a wreck that happened that wasnt my fault. Contact the at fault person. Because how can you make me pay something just because you cant get in contact with a WELL KNOWN INSURANCE COMPANY? I want this fictitious lawsuit dropped and repair my credit report and do not contact me about someone elses debt. You have the names, the insurance company, the information that says it wasnt my fault, and you didnt contact them with a certified letter. I even called and left voicemail. And no one responded nor returned my calls. When I found about this. Contact XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or the XXXX XXXXXXXX XXXX. Not me! Ive done my part. And just because you cant reach someone doesnt mean you put it off on someone else. Its already bad enough that Ive lost a lot due to someone elses negligence and now yall want me to lose again due to yall negligence of not contacting the right people for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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 I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Equinox is governed by 15 U.S.C 1681, Equifax has violated my rights numerous of times. I demand the account below be removed immediately : XXXXXXXX XXXX XXXX  acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give equifax written permission to furnish these accounts. I have no contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
My student loans were transferred to MOHELA this year. 

I submitted an application for an XXXX XXXX XXXX plan on XX/XX/2023. 

MOHELA failed to process my application ( it's listed as pending as of XX/XX/2023 ). 

I have received multiple, conflicting bills and information. A few days ago I received a letter from MOHELA stating they put my account into forbearance. No explanation was included. I did not request such an action. 

MOHELA seems incapable of providing me with the most basic information, such as a monthly payment amount, due date, and status of my XXXX application. MOHELA has effectively sabotaged our household financial plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
It was off my credit for 5yrs. Now it's back on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: DISCOVER BANK
State: IL

Complaint narrative:
There is a discover credit card listed on my credit report stating I owe a balance, I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
On XX/XX/2023, I called Equifax to follow up on an existing dispute to have a bankruptcy removed from my credit file. This may be my 2nd/3rd complaint to expediate the process. Upon awaiting results of this outcome to apply for funding ; so that, I do not receive a high interest from my application. As well as contacting XXXX about this situation. XXXX buys information from databases, and executes without a individual 's consent. Our court systems do not report this type of information to credit reporting bureaus. This was processed without my consent ; in which, it should not have placed on my credit report. As quick as it took to make it effective - I expect the same result in removing the information. Specialists are informing me over the phone that it remains on the file for 10 years. No, that is for someone who is not familiar with the laws involving FCRA, FTC, US Codes, and more. Now we have entered in violating my privacy right ( s ).

Company response to consumer: Closed with explanation