vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Service has reported a debt thats not mine. I have contacted the company and they were rude by saying that I was telling lies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
i was a victim of identity theft and please delete the items from my credit report, and i have my FTC report below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America XXXX XXXX XXXX is requiring me to pay for medical expenses that they have been reimbursed for. They withholding my access to capital. This card can only be used for medical expenses. They are too aggressive with their requests. All of the request are AI generated strong are tactics.

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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i am a victim of identity theft and see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I was part of the sweet vs cardona lawsuit which XXXX all loans that were attained through a list of schools. My school, XXXX XXXX  on the list of schools guilty of lending malpractice. They XXXX all loans except for those students ( like me ) that had our loans refinanced with a private lender ( XXXX ) so we could afford to keep paying them. I called XXXX and asked them to inquire about the settlement and they told me to have nelnet return the money to them and they would cancel my loan. nelnet declined My understanding is nelnet refunded all monies to students that had paid to the schools guilty in the lawsuit, but they were not paying out if you refinanced them with a private lender. 

Nelnet is not acting in a responsible manner by not refunding me the money i paid them, through my loan with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting my account 60 days late however it also states the balance is XXXX. My payment is XXXX so couldnt be 60 days late. They have for two months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting my account 60 days late however it also states the balance is XXXX. My payment is XXXX so couldnt be 60 days late. They have for two months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Dispute was entered with XXXX in 2019 over XXXX XXXX  taking XXXX payments from my bank account. I refused to pay what I believe was a double payment & paid the proper single payment. XXXX later sold the loan to XXXX, XXXX and eventually Community loan services. After it went to XXXX XXXX services I made regular payments outside of negotiated payments during XXXX & paid loan in full 2 years ago. Even after loan was fully paid my credit report still shows numerous late payments because XXXX loan services refused to take late payments off & kept applying late payment from XXXX dating back XXXX years to the front of the loan. I need these old late payments gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did on account Account : XXXX Account # XXXX. I have inaccurate dates for my open date, last reported, last active, and last payment. Under the fair credit reporting act, convergence of this account has violated my rights. Another law they violated is 15 US Code 1681a ( 2 ) A ( i ) I know the law and experience and transactions are not supposed to be put on consumer reports, these disputed items must be deleted from my credit record within 30 days. I want all repos and late payments deleted from my account because it is not XXXX percent accurate, You have listed multiple dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did on account Account : XXXX Account # XXXX. I have inaccurate dates for my open date, last reported, last active, and last payment. Under the fair credit reporting act, convergence of this account has violated my rights. Another law they violated is 15 US Code 1681a ( 2 ) A ( i ) I know the law and experience and transactions are not supposed to be put on consumer reports, these disputed items must be deleted from my credit record within 30 days. I want all repos and late payments deleted from my account because it is not XXXX percent accurate, You have listed multiple dates.

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 2023-12-26 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:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX CFPB Original case # XXXX Mutual of Omaha overcharged me on Taxes!

For 3 years Mutual of Omaha overcharged me on taxes.

1st year {$8000.00} 2 year {$4000.00} 3 year {$4000.00} Omaha decided that they wanted to use market value versus assessed value.

NOBODY uses market value for taxes. Yet Omaha did!

Omaha responded to the original complaint by saying they would change my payment from {$1800.00} to $ XXXXThey did not do it! I am still paying {$1800.00}. 
I want my payment to be {$1500.00} and I want Omaha to reimburse my overpayment of {$600.00} for the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I applied for a loan online, and the company did something fraudulent with my bank account. Nonetheless I never owed the bank any amount of money, but they have for the last 4 and a half years put on my ChexSystems report that I conducted fraudulent activity. Now Im unable to open another account. My intention was never fraud, and when I called the bank they were also able to tell me that the people who had done the fraud on my account was located in another country. So I contacted the bank, XXXX  XXXX XXXX and they stated that because I gave them my information I have to held liable, people apply for loans every day. Its not fair that they are treating me as if fraud was my intention. Also it states in my report that any money owed has been paid, but thats not accurate because I never owed the bank anything.

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 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
My loan was sold or taken over by " Service Mac powered by XXXX XXXX '' in XXXXXXXX XXXX XXXX. Since last week I have been unable to pay my mortgage as their systems are down, apparently due to a cyberattack. They are unable to take my mortgage payment, only by phone, which would have to include a processing fee. This appears to be an effort for this company to gain extra money in fees by not having a functioning website. I attempted to call or reach them on XX/XX/, and received no help other than to wait for the website to come back online or to pay over the phone. It appears they just want to collect processing fees or hope that loans become delinquent so they can charge late fees or additional interest.

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dispute was entered with TransUnion in XXXX over XXXXXXXX XXXX taking 2 payments from my bank account. I refused to pay what I believe was a double payment & paid the proper single payment. XXXX later sold the loan to XXXX, XXXX and eventually XXXXXXXX XXXX XXXX. After it went to XXXX XXXX services I made regular payments outside of negotiated payments during COVID & paid loan in full 2 years ago. Even after loan was fully paid my credit report still shows numerous late payments because XXXXXXXX XXXX XXXX refused to take late payments off & kept applying late payment from XXXX dating back 10+ years to the front of the loan. I need these old late payments gone

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 2023-12-26 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: TX

Complaint narrative:
Payment was made to student loan on XXXXXXXX  and was not applied to loan Called Loan service provider was placed on hold for 6 hours 2 times and no resolution ; Effective Date Posted Date Amount Applied to Principal Applied to Interest Confirmation Number XX/XX/XXXX XXXX  {$3500.00} {$3500.00} {$0.00} XXXX XXXX XXXX {$3500.00} {$3500.00} {$0.00} N/A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The account XXXX XXXX was to be removed from my credit report after it was paid satisfactorily. Furthermore, this is not my account, I was merely an authorized user on the account. My husband has since paid the account off and this was removed from his credit report, so I am confused as to why the agreement to remove it from my consumer report has not been honored. I am requesting that this account be removed from my credit report. Please advise when this change has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802

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 2023-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX i reported my Target card stolen. On 2 separate occasions i received 2 cards that did not offer me access to my account via phone ( i never use online ). On XX/XX/XXXX i called to pay my bill and found someone had used another card endimg XXXX and created XXXX online account with 2 payments to place the account in a negative. I blocked the account on XX/XX/XXXX, i can not access myself since. I did that, not Target as they claim. It's been 3 months of aggravated financial distress. I froze my credit bureau accounts, reported and placed hard protection to IRS and social security for this identity theft. Target claimed 1 payment was mine returned ( not true ) and that they repaid the person who hacked me. Lately i asked for some kind of compensation. They do not want to oblige. But now i received a letter cc : CFPB claiming my account was not reported overlimit to my credit bureaus. It was reported paid with the fraudulent charges {$130.00} as my balance. And another time " overlimit '' at {$5000.00}. My score was lowered placing me in further financial distress. They charged interest while this investigation was occuring. My last balance should be {$4900.00}. And i have not received a bill since XX/XX/XXXX showing the fraudulent charges as my balance {$130.00}. 
I will not pay any interest nor late charges. Consumers still have rights. This country is not a dictatorship where we reward identity thieves. I demand fairness. We still don't know what Target did with the {$10000.00} payments made to my account.

Company response to consumer: Closed with explanation