vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
We were sent a collection letter in regards to a credit card from Old Navy that my wife and I have no recollection of opening and have never received a bill or notification of an overdue bill. When I called the collection agency XXXX XXXX XXXX XXXX, LP ) concerned about ID theft they said to call XXXX XXXX. I did call and they said that the card was open as an " online '' account and all bills would have been emailed only. I have gone back through my email and can not find any XXXX XXXX bills. Seems very predatory that they sent my debt to collections without ever having sent any notification etc. I can not go back very far in my spam/trash as it disappears after a few months but it doesn't seem right that they now have me on the hook for XXXX. I had to request a paper copy be sent of the charges and just received today, XXXX charge of XXXX made on XX/XX/23 that we have no recollection of purchasing as we have another old Navy credit card that we purchased everything with! We never carry debt and pay off credit cards monthly to XXXX balance and now this will wreak havoc on our credit score not to mention it feels very disingenuous to say they emailed us a bill ( which we never saw ) and charged crazy month-over-month fees!

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 2024-02-18 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: Rent Recovery Solutions
State: GA

Complaint narrative:
Illegal reporting to XXXX major credit reporting agencies XXXX XXXX -NO VALADION OF DEBT PROVIDED UPON XXXX XXXX - NO VALADION OF DEBT PROVIDED UPON XXXX XXXXXXXX XXXXXXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX XXXX XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: ID Analytics, Inc.
State: OH

Complaint narrative:
Re : XXXX XXXX XXXX To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: KS

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

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 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 with 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 innacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
My student loans are with Mohela and I am enrolled in PSLF. I have been on an income-driven repayment plan since summer XXXX. 

Mohela is stating that I am required to recertify my income for my income-driven repayment plan before XX/XX/XXXX. Per the XXXX administration rules, no one should have to recertify before XX/XX/XXXX. 

Mohela has ignored multiple previous requests from me and they are currently " reviewing '' my income-driven repayment plan recertification date. I expect them to find that they have done nothing wrong and not push my date back by 1 year. This has happened to multiple others in the same situation, hence me reaching out to CFPB today. 

Per FSA/StudentAid, my IDR anniversary date is XX/XX/XXXX, so XXXX renewal would put me at XX/XX/XXXX, which is before XX/XX/XXXX. My date should be no sooner than XX/XX/XXXX and Mohela is not moving it. 

My date on Mohela for IDR renewal was initially listed as XX/XX/XXXX, then changed to XX/XX/XXXX. Mohela is not being transparent with borrowers when they change dates last minute without any notice, nor are they responding in a timely manner leaving borrowers wondering what next month 's payment will be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act EXPERIAN has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions

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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: AL

Complaint narrative:
-The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Early Warning Services, LLC
State: SC

Complaint narrative:
Consumer XXXX ... Early Warning Service has obtained all my personal banking information & personal information such social number, date of birth etc., without my consent. I have never done business with them. Early Warning Service has over XXXX of my banking transaction from XXXX XXXX  XXXX XXXX bank XXXX This evading my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and Resurgent Capital Services, LP. 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXXXXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX. 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

XXXX hired a law firm from XXXX. The case was litigated in XXXX XXXX Circuit Court. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXX XXXX XXXX  is not registered with the Secretary of State for the State of XXXX  and not being registered as a XXXX, XXXX, XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: CORELOGIC INC
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has an incorrect address on my credit report. It should have XXXX XXXX XXXX XXXX, Ohio XXXX instead of XXXX XXXX XXXX XXXX Ohio XXXX. Transunion also has Employment information that I have never worked at XXXX XXXX XXXX, and Business Owner. Also has XXXX inquiries that I have not authorized anyone to pull my Transunion credit file. XXXX  XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. Please update to my correct address and remove all other incorrect 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
This is a new complaint about a complaint filed XX/XX/2023, # XXXX. Shellpoint continue to send treatening letters to escalate and continue to send strangers to my home takeing pictures to my home in what I perceive as an effort to intimidate me. I am a XXXX XXXX XXXX XXXX and Shellpoint company has a aggravated my condition to the point that I am XXXX XXXX! please refer to file # XXXX XX/XX/2023 for details of my complaint,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I made a phone call to Transunion at XXXX, and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new Transunion report, and there are still XXXX addresses on the report that are not current, mailable addresses, and should have been removed. 

On XX/XX/XXXX, I made a phone call to XXXX at XXXX and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new XXXX report, and there is still XXXX address on the report that is not a current, mailable address, and should have been removed. 

Violations of 15 USC and Privacy Act of 1974.

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 2024-02-18 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: GA

Complaint narrative:
I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act XXXX has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may  concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: OH

Complaint narrative:
Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.

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 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from 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 non-monetary relief
Consumer complaint received 2024-02-18 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: PA

Complaint narrative:
To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, 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 2024-02-18 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: PA

Complaint narrative:
To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation