vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX  To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 



I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 



Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 



Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. I called Truist on XX/XX/XXXX and was told a promotion tender research form will be submitted for further investigation. I made follow up call on XX/XX/XXXX and there is no progression.

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ghidotti | Berger LLP
State: FL

Complaint narrative:
Ghidotti and Berger with aid of " court '' omitted, falsified and suppressed evidence of identity theft to falsify documents against property for gain and benefit of unlawful and contemptuous seizure in direct contempt of CFPB civil penalty relief. 

Racketeering and conspiracy under XXXX racketeering includes ignoring related cases and orders or sanctions and injunctive relief to victims of XXXX XXXX  fictitious loans. 

GHIDOTTI AND BERGER " amended '' court hearing for " victim '' of identity theft XXXX XXXX to " appear '' under false pretenses. 

Ghidotti and Berger never offered any " agreement '' to victim of identity theft and did not offer any civil penalty relief or honor in direct contempt of civil penalty orders XX/XX/2022 At no time did CFPB order XXXXXXXX XXXX to " offer '' " civil remedy '' agreements and only civil penalty RELIEF. 

I reported this to all authorities and all bar associations in all states plus Florida state judicial qualifications because this is pattern with same XXXX XXXX and subsidiaries for over a decade giving out fictitious loans under identity theft and without any appraisals for substance dependent " borrowers '' that use properties they do not won for loans, and to rinse and wash embezzlement financial crimes with racketeering rings. 

Attached is the highly redacted report of " court minutes '' showing the conspiracy to act in contempt of all prescribed injunctions of the court and to protect " borrower '' that has repeatedly opened fictitious loans under fraud, deception and conspiracy to assume the benefit of loans under embezzlement, property fraud and public corruption without any knowledge of owner or any appraisals under property equity schemes. 

The courts, government employees, lawyers and judges have aided under obstruction of discovery and due process of prosecution, in omissions of financial identity property theft fictitious loans schemes. 

Our tax collector and evidence, and investigations of an abundance of developers, loan processors, government employees, contractors, implicated individuals have been sentenced/cooperating with investigations and pending federal cases of bribery and uses of pills for bribery and the racketeering in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 



I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 



Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 



Respectfully, 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 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I enrolled as a student with XXXX last quarter of XXXX. I went through the admissions process and became eligible to start classes for the spring semester. I relocated from XXXX to XXXX MN and signed up for classes before end of XX/XX/XXXX. When I was scheduling for my classes a financial aid advisor began to request information, I already submitted using baseless arguments. For example, he insisted I must provide transcripts from a school that was no longer open, the school was closed for fraudulent activity almost a decade ago. He kept threatening to cancel my loans because the department of education won't pay for the same college credits. I don't have a XXXX, XXXX XXXX or any XXXX XXXX. The only certification I have from previous education is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time I presented documentation to show his concerns were unmerited made him double down on his antiques. He rejected or canceled my XXXX XXXX stating I wasn't eligible without my consent. I escalated the issue and he presented to his oversight documentation after he cancelled the loans to show no loans were ever approved and I was unable to pay for the course I had applied for. I was scheduled to take a final exam XX/XX/XXXX and then advance to the practical training but my classes were dropped and told to start over next semester. I was relying on my XXXX XXXX for my living expenses.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I am currently on a XXXX  agreement between 21st motgage and myself. The lawfirm that represents them is XXXXXXXX XXXX XXXX  I have been making payments and ever since i filed my last complaint not only did they stop calling me they refuse to speak to me on the phone about my account or answer any questions about my account. Ive reached out to their lawyer as well they just sent a letter to my job for notice of default I made this payment already on XXXX the letter went out the XXXX. I just called 21st mortgage and i was transferred to XXXX they said they dont have my account ( im not sure why i was transferred thre ) the lady that answered gave me XXXXXXXX XXXX XXXXXXXX which Im assuming is XXXX XXXX and she never answers or responds to any emails also I submitted a request for this agreement to reflect on my credit bureau since it is an amendment and I am making payments they refuse to do that as well I feel they are retaliating against me for filing a complaint because Ive called before and I was told they cant talk to me because of the complaint I filed. If they are doing their job in a professional manner and according to the law then it wouldnt be a problem but these ppl make it more than difficult to deal with them but they are quick to send letters and threaten with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against FIRST INVESTORS SERVICING regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, FIRST INVESTORS SERVICING continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with FIRST INVESTORS SERVICING, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that FIRST INVESTORS SERVICING immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
They are calling for someone else. I told them repeatedly that I was not the person they are trying to reach and collect a debt from. I told them not to call my phone and to be placed on the do not call list. They told me my number would be removed from the list but they are still calling my phone. 

Credit Corp Solution XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I arranged a transfer in the amount of {$2400.00} from a personal checking account at XXXX XXXXXXXX XXXX to my Optum XXXX XXXX account on XX/XX/2023. The money was withdrawn from my personal checking account at XXXX XXXXXXXX XXXX  on XX/XX/XXXX. It is not available as of XX/XX/XXXX. I have called Optum Bank on three occasions this week trying to find out when the funds would be available as I need to pay a large hospital bill in timely fashion. If the aount is not available, I can not pay the hospital bill, and I will be assessed damages for late payment. I currenty have spend nearly XXXX hours on the phone with people from Optum Bank. They acknowledge that they took the money from my personal account on XX/XX/XXXX, but can not offer any explanation as to why it is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 2 : It also states a consumer reporting agency can not furnish a account without 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 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