vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I have submitted disputes to Equifax over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 
The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX. 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: GA

Complaint narrative:
I did not receive a bill regarding my student loan repayment that was to resume in XX/XX/XXXX per the federal government. When getting online to setup my account with Mohela, I had a payment due in XXXX and was not notified of this payment 21 days in advance as indicated by repayment guidelines. According to Mohela I had a payment due on XX/XX/XXXX and again on XX/XX/XXXX. I paid both today, XX/XX/XXXX, but am trying to get information about reporting to the credit bureaus. This payment request was not submitted to me in advance of the payment which was supposed to be at least 21 days before the due date. There are numerous reports/articles regarding this issue and how poorly Mohela is handling the student loan servicing from thousands of borrowers. Will this negatively affect my credit?????

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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I held money in my savings account with intentions on using the funds for a large purchase the sum was XXXX XXXX Upon moving the funds to my checking because they were still available to me, from what Ive been told, Navy Federal also withdrew the full amount of my savings and moved it to my checking without my knowledge or approval. This made my Savings negative. I have no proof of the funds being used and no answers as to why such a large amount was moved. When trying to talk to Navy Federal a woman just told me thats their policy and hung up on me. Now they are threatening to charge off my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: KS

Complaint narrative:
After review of my credit report, it has come to my attention that there are various hard inquiries I am not familiar with. I never authorized the companies listed on my FTC report to run my 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 non-monetary relief
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-31 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: NJ

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-31 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: GA

Complaint narrative:
i purchased a XXXX XXXX XXXX from USA Auto sales in XX/XX/XXXX i received a letter from west lake portfolio in XX/XX/XXXX saying that i need to contact them about my vehicle an the loan amount was over {$10000.00} an to start paying them on XX/XX/XXXX i asked them how an why is the loan on my car that much they couldnt give a reasonable answer I asked about my contract i signed with usa auto I stated that it cant be that much i been paying my car since XXXX they stated that i have to pay them with in 30 days every two weeks XXXX just like i was paying usa auto sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2023-10-31 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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I currently have a few fraudulent accounts appearing 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 non-monetary relief
Consumer complaint received 2023-10-31 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: PA

Complaint narrative:
I currently have a few fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for Portfolio Recovery for {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Hello to whom it may concern, Im not liable for this debt with Midland Credit Management. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I filed a claim to bank of america for unauthorized charges dated back 4 months. The customer representive start from XXXX and was working her way back to XXXX. For over {$5000.00} purchases. I wanted to put XXXX claim in but she put XXXX for XXXX months and said that the system was not letting her put XXXX claim in. She also said that I had a year to put the rest of the claim in. When I did they denied my claim. Anybody could see that over {$5000.00} worth of game purchases was not normal. When I called to see why my claimed was denied they said it didn't match the previous claims. I told the representative to put a claim for game purchases. She did that and also included card purchases that I didn't want to report fraud for.

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 monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
Lender liability, Briefly, lender liability law says lenders must treat their borrowers fairly, and when they don't, they can be subject to borrower litigation under a variety of legal claims. 
The Mortgage company XXXX XXXX XXXX ) has refused to apply distributed verified funds in the amount to bring loan to a paid in full and current status additionally XXXX XXXX XXXX has moved forward with foreclosure and sale date regardless of verified wired funds from a government entity providing proof, with a tracking number. Again the XXXX XXXX only response was it will be escalated, wait to hear from someone. 
Servicer company refuses to return calls, only to be told, the matter has been escalated This matter has been ongoing since XX/XX/2023 up until current date XX/XX/2023 Below are the email notifications from the XXXX  Mortgage XXXX XXXX Mortgage XXXX XXXX Dear, For your application XXXX to the XXXX  Mortgage XXXX XXXX XXXX funds have been distributed to your mortgage servicer on your behalf based on the amount due provided by your servicer. We are currently awaiting confirmation that those funds were applied to your loan. 

While we are working with your servicer to ensure a timely response, we encourage you to also reach out to them for more information. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX XXXX If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX Mortgage Relief Program Dear, Thank you for submitting your application for the California Mortgage XXXX XXXX. The program has distributed funds to your mortgage servicer, but as of XX/XX/2023, your mortgage servicer has not verified that the funds have been applied to your loan. 

To ensure the funds sent by the program have been applied, we are asking you to reach out to your servicer, as we are, to confirm that the funds are posted in a timely manner. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX. If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I contact Citibank customer service at XXXX to request a dispute of a charge for a vehicle repair that was never performed. I explained in full detail that the vehicle was brought into the repair facility because it was running rough and was then towed back to my home and dropped off as " fixed ''. It actually no longer runs. I stated to the representative that there was no evidence any repair had been done, no replaced parts were present, no invoice or any repair documents of any sort were left in the vehicle. I also stated I contacted the repair shop and they blamed the tow truck driver and did not reverse the charge.. Additionally the charge the merchant made to my credit card was more than agreed. 

On XX/XX/2023 I received a letter from Citi indicating they need more information about the repair, receipt documentation of what was done etc. I contacted them again at the above number and re-stated everything I had done before. I was then told to put everything I had told them on these XXXX occasions in writing and send to them. I have attached that letter that I delivered to them via email " XXXX ''. 

On XX/XX/2023 I contacted Citi for a status and was told that my dispute was denied. I challenged this repeatedly with the agent because how can a merchant make a charge on a credit card and provide no evidence any service was or product was delivered and actually return the product in worse condition that when given to the merchant? The agent said all he could do is to request it be re-opened and I would be contacted within XXXX business days. I was never contacted.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive Reached out Several times to Transunion and XXXXWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that 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 non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX I had went to search for a vehicle that would be reliable and just in a certain price range that I would be able to afford. I came across a car lot just off of XXXX at the XXXX XXXX XXXX XXXX There was a XXXX XXXX XXXX that was just within my budget priced at {$11000.00} which with payments I felt confident to be able to pay off within a reasonable time. I came back to the lot the next day and traded in my XXXX XXXX towards the total and spent the whole day with a gentleman at a desk to cover the contract for the XXXX. Everything seemed to make sense and I signed the contract and made several months worth of payments that were around {$400.00}. One day I wanted to inquire about what I still owed on the XXXX so I called the credit acceptance company and asked what the amount I still owed was at and I was told that I owed around {$34000.00}. At that point I thought there must be some sort of confusion and that they had pulled up the wrong account. When I spent a whole business day with the gentleman in the lot to cover the contract, I had asked him 20-40 times throughout the discussion of the contract if there were anything on each page worded to change the overall price or finance of the XXXX in which every time he assured me no not at all sir this vehicle is {$11000.00}. Once realizing that I had been scammed and had taken a loan that I would actually not be able to afford I surrendered the XXXX and had lost my means of transportation. On top of that they sued me in court immediately and my credit has been ruined since XXXX. I am currently still on a homeless veterans program to assist with my living situation and to this day, even though I am permanently and totally XXXX through the VA from a service connected injury I still can not be approved for a home loan to provide for me, my wife and XXXX children. The account sits at {$11000.00} today and is preventing me from moving forward in getting my home loan through XXXX XXXX. I would have never agreed to anything that would have caused my life to collapse this way and at that time exceeded my budget so greatly. When I went back to the dealership to ask questions about what had happened they were no longer a car lot and the business was now an audio shop. I need help, thanks.

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