vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I have disputed several accounts with XXXX, XXXX, XXXX, XXXX and XXXX that these accounts are not mine and also the amounts are incorrect for 2 years now and keep getting the same results. Just recently XX/XX/XXXX, Someone has stolen my Identity in Massachusetts and Florida. I have never visit or lived in those states. The above bureaus mention above just keep telling me information was verified. But can never send me any proof of the information or validation. Here are the list XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to explain to the last two companies. I have never lived or visit Massachusetts or Florida. I have sent my identifications to them proving myself still no response. XXXX XXXX {$3200.00} violated my rights by coming to my apartment and speaking to my property manager to gain my apartment number to leave a note on my door which could have cost me to loose my apartment I live in a senior community, coming to my home is not in the contract. this account has charge off, XXXX XXXX gave me a XXXX for there balance of {$1600.00} and stated to me I need to file as income if thats the case why do I still owe them XXXX XXXX is stopping me from getting a job because they did not tell me by surrendering my car I would still owe the same balance XXXX in XXXX is the same amount owed in XXXX, they never contacted me about any Auction on how much they got for the car they are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
I received a notification from my credit monitoring today, XXXX, that a credit card was opened in my name. All my credit accounts are frozen and no cards should have been issued. But, current bank does not even list a phone number to contact them. Obviously this company thrives off of issuing cards off of stolen information. Please help me resolve and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
My loan was changed from XXXX XXXX to XXXX and I applied for the SAVE program in summer of XXXX and they never processed it. I have filed numerous complaints with the CFPB and the government about this. Now Mohela took over the servicing of my loan I spoke to XXXX on XX/XX/XXXX about my bill coming without any SAVE program enrollment. Mohela is required to get all of my information from XXXX and or the Federal government and they have failed to do so and keep billing me. I told them under XXXX 's rulings, they have to put me in administrative forbearance until they process my SAVE loan. I also updated my income with XXXX before Mohela took it over. Neither XXXX nor Mohela has processed my SAVE application which is illegal to this date and neither had put me in administrative forbearance until they do, which is required under the XXXX administration. Now I am getting late notices for a student loan payment which is illegal on two counts, one it is not processed under the SAVE program ever by either student loan company and two it is not in administrative forbearance. I want something done now as they are required by federal law to enroll me in the SAVE program and put me in such administrative forbearance. I warned XXXX who I spoke to on the phone to not pull any scam and he did. As he did not do what I asked him to do and all calls are recorded. It is illegal that neither student loan company processed my SAVE application and I provided documentation of my income over and over. So they are playing games and refuse to cooperate with one another and sending me illegal bills and not putting me in administrative forbearance. I am not getting emails from the Department of Education because of this trying to charge me late fees. " Federal Student Aid Reminder That Action Is Needed on Your Federal Student Loans Hi Samone, Be sure to stay on track with future loan payments.

A New Action You Can Take To Avoid Late Payments Set up auto-debit. Auto-debit ensures your loan payments will always be on time. If you set up auto-debit, you may be eligible for a 0.25 % interest rate reduction.

Contact your loan servicer to set up auto-debit.

Find Your Servicer I demand that Mohela process my SAVE application and get all necessary paperwork from XXXX and or the DOE and immediately put me in administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. It hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: NJ

Complaint narrative:
am writing to dispute a recent negative impact on my credit score as a result of a pre-approval offer from XXXX XXXX. On XX/XX/2024, I received a pre-approval notification from XXXX XXXX for their credit card. It was my understanding, as communicated by XXXX XXXX, that pre-approval offers do not result in any negative impact on credit scores. 

To my surprise, upon checking my XXXX XXXX after accepting the pre-approval offer, I noticed a significant decrease in my score. This decline in my XXXX XXXX has adversely affected my financial standing and has the potential to impact my ability to access credit in the future. 

I believe this decrease in my credit score is unjustified and should be rectified. I request that the negative impact resulting from the XXXX XXXX pre-approval be removed from my credit report with all credit reporting bureaus. 

I am more than ready to share all necessary supporting documents, including the pre-approval offer from XXXX XXXX and documentation showing the decrease in my credit score following acceptance of the offer.

I kindly request that you investigate this matter and take appropriate action to rectify the negative impact on my XXXX XXXX. Please inform me of the results of your investigation and any steps taken to address this dispute.

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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, i discovered that over the course of two months, a total of XXXX dollars was removed from my checking account. My bank record says that my debit card was used to withdraw XXXX dollars XXXX times at a gas station. I filed a claim with my Bank Wells Fargo to invesigate the claim and have the money returned to me. The Claim number is # XXXX. When calling to check on the claim, they said that my debit card was swiped and that the transactions were legitimate. However these debit card transactions can be faked. 

They sent me a letter saying that these transactions were authorized and that there was no error.

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 2024-04-14 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: Self Financial Inc.
State: MD

Complaint narrative:
This account SELF FINIACIAL is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT from XXXX XXXX XXXX  XXXX. I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with DETAILED INVESTEGATION OF DOCUMENTATION proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

Complaint narrative:
I recently reviewed my credit report and I noticed i had fraud accounts on my report. please remove these accounts from my report they are hurting 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 2024-04-14 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: FL

Complaint narrative:
XXXX, Transunion and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

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 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 non-monetary relief
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
XXXX, XXXX and Experian are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

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 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 XXXXXXXX.

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 2024-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
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: Kovo
State: NV

Complaint narrative:
I have been emailing KOVO Credit builder. I have some late payments. I have tried to Reach out Via email and phone I have made the customer service representative aware that the items that they are reporting late are excluded by law and they are reporting it on my consumer report. On XXXX, XXXX, XXXX. They reported late payments to XXXX XXXX and XXXX according to 15 USC 1681 ( 2 ) -Exceptions, Except as provided in paragraph ( 3 ), the term, consumer report does not include ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. My transactions or experiences with their company by law are excluded from my consumer report. I need these transactions/experiences deleted from my consumer report. It is drastically affecting my score. They are also in violation of consumer laws more specifically : Violation of 1681, 15 US C 1681s-2, 15 USC 1681 and Timing of payments 15 USC 1666B . I have requested that they delete all of the late payments and they refused to do so. They also refuse to give me my account number. I have also sent them a letter in detail with the dates and the direct violations of the law that they are in and no one is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

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 2024-04-14 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Sometime in XXXX or early XX/XX/XXXX the tenants in my apartment community received notice of an awards program for paying rent. The complex is named XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I sent an e-mail to the leasing office stating I was not interested in the awards program. I received a XXXX XXXX issued by former bank through the mail. I was encouraged to activate the card which I did not do. Myself and other tenants had the XXXX XXXX activated voluntarily or involuntarily. Paying rent for XX/XX/XXXX I could not pay through my online checking account. I had to pay through the XXXX portal. I received an invoice for a XXXX XXXX payment. Upon receiving the invoice Wells Fargo was contacted. The representative understood the situation and deactivated the XXXX XXXX. A police report was filed and the first card activated in my name was given to law enforcement. When I went to pay my rent XX/XX/XXXX the rent was already paid. XXXX rent payments were made in XX/XX/XXXX. All rent payments have been made by personal check since XX/XX/XXXX. Another XXXX XXXX was activated in my name but was not sent to me. The first card and second card had the same account number except for the last XXXX digits which are different. XXXX XXXX for the apartment community is activating cards by fraudulent means. I do not have a problem paying XX/XX/XXXX rent. The XXXX card is on my credit report and I want it removed. Will not pay any penalties or late fees on the XXXX invoice received in XX/XX/XXXX. To everyone who has taken the time to read this 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, XXXX, Equifax and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: NJ

Complaint narrative:
am writing to dispute a recent negative impact on my credit score as a result of a pre-approval offer from XXXX XXXX. On XX/XX/2024, I received a pre-approval notification from XXXX XXXX for their credit card. It was my understanding, as communicated by XXXX XXXX, that pre-approval offers do not result in any negative impact on credit scores. 

To my surprise, upon checking my credit score after accepting the pre-approval offer, I noticed a significant decrease in my score. This decline in my credit score has adversely affected my financial standing and has the potential to impact my ability to access credit in the future. 

I believe this decrease in my credit score is unjustified and should be rectified. I request that the negative impact resulting from the XXXX XXXX pre-approval be removed from my credit report with all credit reporting bureaus. 

I am more than ready to share all necessary supporting documents, including the pre-approval offer from XXXX XXXX and documentation showing the decrease in my credit score following acceptance of the offer. 

I kindly request that you investigate this matter and take appropriate action to rectify the negative impact on my credit score. Please inform me of the results of your investigation and any steps taken to address this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
XX/XX/XXXX. 
Dear Equifax, I am writing to follow up with my previous correspondence letter regarding unauthorized hard inquiries on my credit report as per the FCRA law. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX XXXX- XX/XX/XXXX. 
I would like to emphasize that I have not authorized any of these organizations to access my credit information and these credit inquiries are negativity impacting my credit. As a consumer, I have the right to a accurate and fair reporting of my credit information, and these unauthorized hard inquiries are a violation of my rights under the FCRA law. I have talked to a representative named XXXX. She told me on the phone that she sees all the CFPB complaints that I have filed and said the complaints are not any good to remove these hard inquiries. I told her that I also sent Equifax the proper documentations they had requested from me and still, I didn't received any response from them. I was ignored, yet again. I have sent Equifax relevant documentation that proves I did not initiate any transaction or have any affiliation with XXXX XXXX XXXX and XXXX XXXX. There is no time frame that says a hard inquiries are supposed to stay on a consumer credit report for 2 years. It is no where in the FCRA law. Equifax has continually to violate my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, XXXX, XXXX and Tansunion are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.

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