vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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: IA

Complaint narrative:
Unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX  Both XXXX XXXX Explicit written consent was not given to these entities to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Kriya Capital, LLC
State: MI

Complaint narrative:
This is the 2nd collection agency that has acquired this fraudulent debt. I was incarcerated at the time this account was opened Ive submitted documents verifying this. This account was removed from my credit report only for it to return today. Please make sure Credence Resource Management receives all documents that are uploaded. I found out this account is with XXXX XXXX account no. XXXX. Please verify all information so this county can be promptly removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
While I'm not a legal expert, generally, if you have a payment arrangement with a credit collector, they typically shouldn't report negative information to credit bureaus. It's crucial to carefully review the terms of your arrangement. In my case with Jefferson Capital, they used my credit to retaliate against me due to a dispute I raised. The reporting of a one-dollar amount has resulted in a XXXX decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Kikoff Inc.
State: FL

Complaint narrative:
Kickoff, This is in response to this claim : XXXX This is a new claim with new and updated information. 

Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and XXXX I had an installment loan with KickOff - you advertise it shows on a customers XXXX + XXXX credit reports- mine does not. 

XXXX only shows on my XXXX credit report It is not showing on my XXXX credit report. 

In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. 

Now, there is no fraud alert on my XXXX credit report- and I expect your Kickoff tradeline to put put on immediately- as I paid for. 

Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON Kickoff wouldnt show - if you guys accurately reported. 

Please have this handled as soon as possible - as you are affecting my ability to obtain 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 2023-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient 's loan terms and conditions are unfair, usurious, and deceptive. They do not provide refinance, consolidation, or fixed rates to accommodate faster repayment of student loans. I am the co-signer on my spouse 's private student loans. 
1-They have reported a collection on our credit when no communication was ever sent until the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX reached out. The balance was paid immediately in full and they refused to remove the collection from the credit report. 
2- We have other XXXX loans with Navient from XXXX XXXXXXXX XXXX and all are set up to be paid automatically from our bank accounts. We have been paying Navient for the last 9 years or more. 
Currently paying {$530.00} at 14.50 % variable rate where {$480.00} is applied to interest and {$43.00} to principal. The other payment paid automatically is for {$1100.00} where {$1100.00} is applied to interest and only {$61.00} to principal. 
The repayment of these loans would end in XXXX way beyond our retirement age. 
The loan payments that are eaten up by the high interest applied with little to the principal don't align with other student loans taken from other companies. We have managed to pay off a XXXX loan and nearing the end of XXXX XXXX student loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I overnighted a check ( return receipt requested ) in the amount of {$52000.00} to Selene Finance, my mortgage company. The check was for the settlement with my homeowner 's insurance company, XXXX XXXX, for damages that occurred to my home due to XXXX XXXX XXXX. 

Selence Finance received the check on XX/XX/XXXX. They informed me that they deposited the check into my restricted escrow account on XX/XX/XXXX and then transferred the {$52000.00} out of my restricted escrow account on XX/XX/XXXX. 

When Selence Finance attempted to cut a check to my roofing company for roofing repairs, they noticed that the restricted escrow account had a XXXX balance. I contacted Selene Finance on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide me information as to ( 1 ) why the money was transferred out of the restricted escrow account, ( 2 ) where was the money transferred to and ( 3 ) when will the funds be transferred back into my restricted escrow account so I can pay the roofer so that repairs can begin on my home. Selene Finance refused to provide me with answers to any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: EdFinancial Services
State: KY

Complaint narrative:
I made a payment to Edfinancial Services on XX/XX/2023 and received a confirmation email stating that the payment had been made. 

On XX/XX/2023, I received an email that the amount was past due. Upon looking at my account, it says that the payment was " reversed '' on the same day ( XXXX ). I received no notification of this and assumed that the payment had been made. I also looked at my bank statement online, and there was no record of a debit attempted by Edfinancial. Since no real money seems to have been involved, I did not attempt to reach out to them and submitted another payment. We shall see if this one goes through. 

I found a XXXX thread about this problem, and it seems to be an ongoing issue with Edfinancial for many people, and is totally unacceptable.The problems seem to have started when they switched to a new online platform. At the very least, if there is a problem with a payment going through, the consumer should be notified immediately so the problem can be rectified without additional interest accruing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Join the time XXXX XXXX when the XXXX pandemic was eminent. I reached out to Navient customer service and explained to the representative that I was currently out of work and receiving unemployment benefits. They were unwillingly ready to work with me as far as postponing payments. They made me write a letter and submit proof that I was not making any money except my company was only paying me XXXX hours of pay, which was less than {$1000.00} a month. It was a complete disaster and they threatened to send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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:
This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 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 non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been renting and during my rent screenings I notice that each landlord will receive different information from my credit history. Its very weird to me and I have been denied due to this information.

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 2023-11-12 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: IL

Complaint narrative:
I am on the SAVE repayment plan and when my loans got transitioned from XXXX XXXX to Mohela, my monthly payment of {$0.00} was not honored by Mohela even though it's based on my income. I have contacted them several time with messages and calls but there is no response or corrections to the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BMO Bank opened a checking account in my name on XX/XX/2023. On XX/XX/2023, upon request by BMO, I provided a copy of my current driver 's license, social security card and utility bill for identification. Despite my providing these documents, BMO unilaterally closed the account citing some kind of fraud. No specifics were of the fraud were given to me. I tried to convince BMO that there is no fraud, but BMO closed the account anyway. I have not received any document from BMO giving the specifics of the fraud/suspected fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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:
Per this complaint that I orginally sent on XX/XX/XXXX then again on XX/XX/XXXX requesting that inquires be removed from my credit report that arent mine then i get a notice dispaute completed nothing corrected so i file another com0lant stating that then I get a respond that it couold take 60 days so today XX/XX/XXXX I went on experian web site to see what they have done and they havent reoved any inquirinies but the updated to tings that I stated werent mine and it states they were told they were where is the proof i need a signed contract from world fiance and I also need something from Traget a print out of all payments and fees they charged me. I requested this 3 years agao and still them same thing. At this point maybe I need to contact the XXXX and file a compliant on all of yall because nothng is getting done along wth breaking the law. 
I have attached the inquiries that are still on my report along with that part of the report. also Experian wouldnt let me dispute anything on webite inquires I tried also they have my ame wrong, addresses, social and phone numbers. 
Here are the following still on my report once again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
NAVIENT SOLD MY LOAN TO A UNKNOWN THIRD PARTY XXXX WITHOUT MY CONSENT AND MADE IT HARD TO FIX THE LOAN. THERE WASNT ANY COMMUNICATION FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I will make this short, brief and accurate as possible. Back in 2017, XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Both emails were dated XX/XX/2017, and XX/XX/2017. Anyway, this is a document stating that the account has been sold to one of these companies and to refer any future questions to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years after they had sold the account. They do not own the account anymore. Equifax allowed XXXX XXXX to report onto my credit report for 6 years which been a detriment to my credit report and my character. Also, this a violation of the FCRA. See attachment for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX I lived at XXXX XXXX in XXXX XXXX  from XXXX owner original debtor this case was sent to XXXX XXXX and we agreed on settlement which include me vacating the rental property and owing XXXX XXXX All legal documents in hall of records to prove I dont owe.

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 2023-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction regarding the recent credit reporting issue that has significantly impacted my credit score. The purpose of this communication is to file a formal complaint and seek resolution for the reported debt, which I believe is unjust and has negatively affected my financial standing. 

Background : I resided at XXXX XXXX XXXX for a period of XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter in the family. Feeling left in limbo, we reluctantly searched for alternative housing and vacated the premises before our lease expired. 

Subsequent Issues : Following our abrupt departure, there was a complete lack of communication from the property manager. Unexpectedly, my wife 's and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting the negative credit score, leaving us blindsided by this detrimental impact on our financial profile. 

Current Actions Taken : Upon discovering this issue, I promptly contacted the collection agency on XX/XX/XXXX to address the reported debt. However, to date, no tangible action has been taken to rectify the situation. The credit reporting date, XX/XX/XXXX, indicates that the negative credit entry was made XXXX XXXX after our relocation from the apartment. 

Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. 

Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies. 

Explanation and Rectification : I seek a clear explanation for the reported debt and the subsequent negative impact on my credit score, along with appropriate measures for rectification. 

Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. 

I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution.

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 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TN

Complaint narrative:
This company is a collection agency called American Profit Recovery stating that I owe them {$53.00}, this company added this collection to my all 3 credit bureaus and I would like for them to have them removed immediately. Tried contacting them and they where unable to tell me where this debt is from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 1. XXXX XXXX Account # XXXX 2.XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX XXXX XXXX  ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief