vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a letter stating I allegedly owed a debt of {$2000.00} from Fair Collections & Outsourcing INC. I requested competent information, regarding their authority to collect debt in my state and if they are licensed and have proof of insurance. I also request a signed contract/agreement between us that provided me consideration for their claim to be enforceable.I sent certified mail on XX/XX/XXXXXXXX XXXX XXXX, XX/XX/2024 and XX/XX/XXXX. I have received no valid response pertaining to the information I requested. I also sent an invoice for {$15000.00} because they have violated my federally protected consumer rights on multiple occasions and also they are attempting to conduct identity theft according to FL statues 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the past few months, I have been attempting to access my credit report and lift the freeze. Since initiating the freeze on my credit report, I have been unable to remove it, file disputes, or view my report. Despite repeated calls for assistance and attempts to use your automated system, which requires a code for validation, I have not received this code. Even after finally receiving a code on my fifth request, the freeze remains in place.

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 2024-04-23 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-23 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TN

Complaint narrative:
I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this 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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I had many problem free years with my mortgage through XXXX until recently they were acquired by Newrez and my mortgage servicing was transferred to Newrez. Since then, I have been unable to access basic account information, statements, etc. online and the company has been unresponsive in attempts to resolve. 

But the complaint relates to erroneous, predatory, lender placed insurance that recently appeared on my account. At the beginning of XXXX, I noticed that {$2000.00} had been debited from my account as part of the automatic monthly payment that I have set up, whereas my monthly payment for my mortgage had always been {$1700.00}. I called the company on XX/XX/XXXX seeking an explanation and correction. They claimed to have sent me communication by snail mail informing me that without proof of insurance they would put lender placed insurance on my loan. I never received this communication and they admitted they never attempted to contact me at the email address or phone number that they have on file. I explained to them that I am not a homeowner, but a shareholder in a cooperative, that the hazard insurance lives with the co-op, and that my requirement is to insure that which is inside the walls, which is a modest policy that a ) I have maintained active and b ) costs less than {$300.00} a year due to the limited protection required. Of course, the cooperative has actively maintained all required hazard insurance, etc. as well. I was assured someone from the insurance department would reach out to me to confirm the active policies within XXXX days, which never happened. 

I have since called multiple times to try and resolve, most recently on XX/XX/XXXX, and every time I call they have no record of any of my prior conversations or attempts to remedy the issue. I have sent proof of my own policy covering the interior of the apartment as well as the policy maintained by the coop and have received no response. They claim to have attempted to verify insurance but no one -- not at the coop or any of the insurance providers has any record of correspondence from the lender. 

If you search reviews of the lender, it's clear that this is a common predatory practice. That they don't make a good faith effort before forcing ridiculously priced insurance on already covered homeowners is not a coincidence, but an intentional business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I RECEIVED A CALL FROM MY BANK ALERTING ME OF A WIRE TRANSFER REQUEST. I CALLED MY BANK AND TOLD THEM I DID NOT REQUEST A WIRE TRANSFER. I ALSO GOT AN ALERT FROM XXXX XXXX FOR A HARD INQUIRY FROM THD/CBNA. XXXX TOLD ME IT WAS FROM XXXX XXXX BUT DID NOT HAVE A CONTACT NUMBER FOR THEM. I FILED A DISPUTE WITH MY BANK AND WITH XXXX. XXXX TOLD ME TO CONTACT YOU AND ALSO FILE A 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-23 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: NC

Complaint narrative:
I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX, Transunion, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.

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 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I don't remember exactly what happened, but I've gotten some mistakes that there trying to get money off of me for something I wasn't accepting, an offered by the University, or schools that are asking me to do all of this and waste my time.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I have had my vehicle for over a year now with Global Lending Services. I make my payment on the XXXX of every month. My payments are due the XXXX. The car company reports to credit the last day of the month if a payment is 30 days late. I made my payment for XXXX on XX/XX/XXXX, still not 30 days late. My credit got hit for being 30 days late while also reporting and increase of {$420.00} to my account thats inaccurate. I reached out to the escalation department and they said they wouldnt fix it as they report on the last business day of the month. They also recently marked my account as being a new account. Both false remarks have knocked mine and my husbands credit dramatically making it so we cant qualify for a house now. Ive been trying to resolve this matter but the company refuses to offer and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Two possibilities on why I had {$5000.00} fraudulently taken from my checking account. 1 ) With Navy Federal Credit Union ( NFCU ), I was trying to obtain a 2nd Mortgage Home Loan. I was denied because my home was in a Family Trust, and NFCU requires the home to be solely in my name. When I was denied, NFCU sent me a " denial package '' on why I was denied. After clicking on the link, I couldn't log into my online banking. At XXXX that night, I received a " Transaction Alert Notice '' saying {$5000.00} was transferred out of my account. I was on the phone with NFCU until XXXX the next morning trying to stop the transaction to a XXXX XXXX XXXX, at a XXXX XXXX XXXX. I don't know who that is! Days later, I called to check on the status of the transaction, and NFCU blamed me for the transaction and denied my fraudulent claim. 
2 ) The only other guess at who is to blame is that I was coincidentally trying to purchase a Metal Building. Part of their process is to take a photo of a blank check and send it to them for installment payments using the numbers on the bottom of the check. I could not get any information from NFCU, other than denying my fraudulent claim, for whatever reason which is unknown to me. I have contacted local law enforcement and a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 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: TN

Complaint narrative:
I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this 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 explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-23 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
In XXXX I was notified by the federal student aid site that I qualified to apply for the borrower defense program. I completed the application and incorrectly marked the box requesting no forbearance, when I wanted to do forbearance until the decision was made on my application. I immediately contacted the federal student aid borrower defense office and was told that I would have to now do the forbearance through the student loan servicer. I found that my servicer was changes from XXXX to Aidvantage last year so I reached out the Aidvantage and spoke with a representative and I was told that she would put the forbearance on my account. In XXXX of 2024 I begin to receive bills, so I was reaching out to both the borrower defense and aidvantage offices. I finally got someone a couple of weeks ago at Aidvantage who told me she would take care of it since she saw I had been trying to resolve this since XXXX but when I realized I didn't quite understand, and she didn't actually confirm the forbearance I called back the following Monday to confirm and was told that there was no forbearance put on my account. The final representative who helped me told me she could put a forbearance on my account, but I would have to apply for the forbearance monthly before my payment was due. I don't understand why I can not get a full forbearance with this company until the borrower defense application has gone through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I'm reaching out today over the following information, which is a result of identity theft from XXXX, appearing on my credit report. I have informed the company on multiple occasions that this information is related to identity theft, provided documentation, and disputed the information as such to XXXX. Every other credit reporting company has removed this fraudulent information upon being provided the proper documentation, however, XXXX refuses to do so and the company continues to fraudulently " certify the information as accurate. '' CREDIT COLLECTION SERVIC # XXXX ( XXXX XXXX XXXX, XXXX XXXX MA XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 
Here is how this item appears on your credit report following our investigation. 
Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX. 
Original Amount : {$140.00} Original Creditor : XXXX ( Insurance ) Past Due : XXXX $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACEDFORCOLLECTION< Estimated month and year that this item will be removedXXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NC

Complaint narrative:
I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian, XXXX, XXXX, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.

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