vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
This is a follow up to prior complaint # XXXX. 

Within the prior response, Convergent noted that they would ask the credit reporting agencies to remove this from my credit report, it has been over 3 months and this continues to be reported. I am currently going through the process of applying for a mortgage and this continues to negatively impact my credit and interest rates I qualify for.

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 2023-10-08 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: CA

Complaint narrative:
All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!

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 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I had received a letter from state, three years after my brother XXXX, who owned 50 % of the home, passed away. Due to mortgage company error, he was not owner of 50 % and if something were to happen to me, that 50 % would go into probate that my heirs would need to figure out. I contacted my trust attorney and paid her {$4000.00} to straighten this out. The following is the issue all stepped out. 

On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX, XXXX, California XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : Lot 20 of Tract 18692 as per map recorded in Book XXXX, Pages 21 to 25 of Maps, in the office of the County Recorder of XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. A Quitclaim Deed was prepared in regards to his fifty percent ( 50 % ) interest in the Real Property being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX  XXXX prepared a Quitclaim Deed transferring his fifty percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the fifty percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. A deed was never prepared by the mortgage company transferring this asset back into his living trust. 

XXXX XXXX XXXX died on XX/XX/XXXX. 

Petitioner requests this Court confirm that the additional FIFTY PERCENT ( 50 % ) interest in this Real Property asset is subject to THE XXXX XXXX XXXX XXXX XXXX  and under the control of XXXX XXXX XXXX as Successor Trustee. Petitioner believes that this asset is subject to her control as Successor Trustee.

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 2023-10-08 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:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXXXXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXXXXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

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 2023-10-08 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: IL

Complaint narrative:
Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear Equifax Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA. 
* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I initially submitted my application for the SAVE Income Driven Repayment plan to the department of education on XX/XX/2023. I submitted a copy of that application to Nelnet on XX/XX/2023 and received an email confirmation that it was received. The email stated " If we havent finished processing your application in 10 days, we will send a follow-up email to let you know ''. I received another email on XX/XX/2023 that the application in in a processing queue and this was the last update I received. I attempted to call Nelnet on XX/XX/XXXX and their phone system stated the wait time would be 30 minutes. I was on hold for an hour, nobody answered and I couldn't remain on hold. I called Nelnet again on XX/XX/XXXX and the wait time was an estimated 30 minutes. I waited on hold for 3 hours until a rep took my call. The rep was unable to give me any details on the status of the application and when it would be processed. The rep could not confirm that anybody would give me a call back or send me any kind of email update. There was a moment where the rep suggested that I upload pay stubs to their system but did not confirm that this would be a required step for the application. This is my typical experience with Nelnet. Their reps are never able to give you a strait answer and sound like they just started the job in the past week. They have cut off direct email communication from their customers and instead you have to fill out a form in the hopes that someone will contact you and the is zero confidence that they will. 

Their system states that I have an upcoming student loan payment due on XX/XX/XXXX. I have fulfilled my obligation in turning on my application. Now it's time for Nelnet to fulfill their own obligations and is they can't, they need to be dissolved and have my transfer my balance to a different servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: NY

Complaint narrative:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on 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 2023-10-08 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: NC

Complaint narrative:
I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, XXXX, and Transunion have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.

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 2023-10-08 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: NC

Complaint narrative:
I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, Experian, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.

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 2023-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the referenced debts below. Please verify this debt as required by the Fair Debt Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies and inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit, Reporting Act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right. 
I dispute this debt, because : This was a business debt that was paid on a XXXX XXXX  and I was billed extra and never did the other 3. 
{$270.00} x XXXX = {$820.00} from Kinum Inc., which is being investigated on wrong reporting and harassing clients, This is wrongful and needs to be removed right away. Not my debt. 

CC : Federal Trade Commission Consumer Response Center

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: CA

Complaint narrative:
In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Equifax is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Equifax has caused several denials to credit and loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  and XXXX has violated my rights.

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 a 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 2023-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: IA

Complaint narrative:
I received my first bill from XXXX XXXX XXXX on XX/XX/2023 showing my insurance had paid their portion and it was applied to my account. The original amount due, before my insurance paid their portion, was {$2000.00}. The final amount due ( my portion ) was {$160.00}. I mailed them a check dated XX/XX/2023 for {$160.00}. It was cashed on XX/XX/2023. 

In XXXX, I received another bill from XXXX XXXX XXXX, now charging me for the full amount of {$2000.00}, and not listing the payment that my insurance had made or that I had made. I mailed them a letter with a copy of my cleared check on XX/XX/2023 and asked them to correct their billing error and to please send my a new bill showing my account was paid in full. 

On XX/XX/2023, I received a notice from American Accounts & Advisers saying that they were contacting me to collect the {$2000.00}. I have responded to this collection agency with copies of both the billings, a copy of my insurance claim showing what they paid and what I owed, and a copy of my cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my XXXX XXXX and XXXX be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

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