vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: NC

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report and I have no idea why. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a glitch, but the inquiries remained. I urgently request that the documents Ive submitted be reviewed carefully so I dont have to worry about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OR

Complaint narrative:
We obtained several federal parent plus loans for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX thru XX/XX/XXXX. The institute made a lot of promises and misled us. In summary : Lied about graduation rates, job placement rates, and potential salaries on graduation ; Lied about available grants, scholarships, and financial aid ; Enrolling students regardless of their qualifications and ability ; Failing to properly inform students about loan options available and the differences between federal and private student loans ; Misleading students about the actual costs of education at XXXX ; Misleading students about accreditation and the transfer-ability of credits. 
In XX/XX/XXXX we submitted a Borrowers Defense to Repayment Application several times as each time we checked on it they could not find it. Finally, with the help of some diligent students and law students a lawsuit was brought to the DOE and in XXXX there was a settlement to have all the loans forgiven. This was supposed to be done at the end of and as of yet we have not seen any official forgiveness from our lender. It was originally with XXXX XXXX, transferred to Nelnet and currently with XXXX. 
On XX/XX/XXXX the XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by XXXX organizations including, XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: ME

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
I haver XXXX account that's is reporting XXXX late payments on each account which is INCORRECT. 

I reviewed my consumer reports and noticed that I had XXXX late payments on XXXX different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts 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 2024-09-30 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: GA

Complaint narrative:
I haver XXXX account that's is reporting XXXX late payments on each account which is INCORRECT. 

I reviewed my consumer reports and noticed that I had XXXX late payments on XXXX different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX. 
According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law. 
A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness.

In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.

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 2024-09-30 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Did not give XXXX XXXX  XXXX  in XXXX XXXX  permission to do a hard inquiry on my credit because I declined the loan offer So there shouldnt have been an inquiry done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-30 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: MO

Complaint narrative:
I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit 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 2024-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
Greetings, I'm reaching out to get some help for my short-term hardship. I had XXXX XXXX  to fix a XXXX XXXX XXXX on XX/XX/year>. I am unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then I will be in need of XXXX XXXX. My first missed payment was for XX/XX/year>. Just need some assistance until I can get back on my feet and get back to work. If you need anything from me, please let me know. 

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 2024-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXX XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXXTRANS UNION XXXX XXXX COAF-08/12/23-TRANSUNION JPMCB-05-12-23-TRANSUNION XXXX FCU-04-20-23-TRANSUNION XXXX LANE-04-20-23-TRANSUNION XXXX CLUB-01-21-23-TRANSUNION XXXXTRANSUNION The consumer credit report maintained by you was not opened , made, or initiated by me . From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on my report XXXX XXXX XXXX is not my account and need to be remove immediately this account does not belong to me and it's hurting my personal finance.

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 2024-10-01 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$6100.00}, XXXX XXXX XXXX balance {$30000.00}, XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX balance {$12000.00}, XXXXXXXX XXXX  balance {$49000.00}.

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 2024-10-01 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me

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 2024-10-01 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: MD

Complaint narrative:
filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Re : XXXX On XX/XX/XXXX, I received a letter stating my mortgage payment from XXXX had been reversed again due to insufficient funds on XX/XX/XXXX. Shocked, I immediately contacted my bank, XXXX, who confirmed that no reversal was recorded on their end and that my XXXX mortgage payment had posted without issue. I then called NewRez and spoke with XXXX XXXX, who claimed that my XXXX payment had been refunded twice due to a stop payment. However, according to both my bank and NewRez 's own correspondence, only one payment had been reversed. This left me in a situation where NewRez showed two payments reversed, despite me having paid them validly on both XXXX and XXXX. The original issue was with the old servicer, and that had already been resolved, yet NewRez inexplicably reversed an additional payment. Despite my valid payments, they assessed a {$20.00} fee and couldnt explain why the second reversal occurred. XXXX insisted that I had XXXX XXXX payments reversed, but I had only stopped payment on one, and I only received funds back for that one. After confirming with XXXX, I saw no evidence of a second reversal. When I escalated the issue, I spoke to XXXX XXXX, who was kind enough to reverse the fee but couldnt comprehend how their system had reflected two reversals when only one occurred. 
After investigating further, XXXX confirmed that NewRez had mistakenly reversed the payment twice with no clear explanation, admitting they had completely mishandled the situation. She even filed a complaint on my behalf, but the lack of attention to detail and the unexplained errors were egregious. I informed her that I would be following up as well on my open complaint. So, now I have to trust the company who has lost over XXXX and assessed a fee to me without resolve, someone who simply wants to pay their bill, to fix this and reflect appropriately. Imagine all the thousands of people not so anal about their finances getting money stolen from them with a fee to boot. Fix this. Investigation is needed!

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 2024-09-30 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:
These inquiries showed up on my report without my permission and it is causing me undue stress. These were not permitted, and I don't authorize any of these companies to pull these inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There is an unrecognized account on my credit report that I did not authorize. I suspect this entry may have been created due to identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AZ

Complaint narrative:
Fraud Block Request - I have correctly updated my information identitytheft.gov and attached my police report. I updated account information to the best of my ability, as the account information that are being report attached I have no in knowledge, as they are not my accounts, and information provided by the creditor was vague. 

Lastly, I also notice another account is not my account fraudulent that need to be updated as well and remove. 

XXXX XXXX XXXX XXXXXXXX {$600.00} I have attached my ID, My passport, XXXX XXXX, XXXX Police Report, XXXX 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 non-monetary relief