vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 Collection Account : XXXX XXXXXXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXXXXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX {$8900.00} XXXX Hard Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: VA

Complaint narrative:
I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both TransUnion and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ). 

I am requesting that TransUnion immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the XXXX major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. All credit reporting agencies were made aware of the aforementioned but still furnished this information on my credit file even after their investigation. The credit agencies are consistently demonstrating a broad scope of disregard for my consumer rights. I am now formally petitioning the CFPB to investigation the matter and pursue legal actions against these agencies and this is now a documented pattern of adverse behavior against consumers envoking their rights. 
All Rights Reserved UCC 1-308

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: MI

Complaint narrative:
Dear CFPB I am writing to dispute two unauthorized hard inquiries on my XXXX credit report, which are violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The companies responsible for these inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I did not provide permission or authorization for these companies to access my credit report. Under the FCRA, only authorized inquiries are permissible, and I request that these be removed from my credit report immediately.

Please take the necessary action to correct this violation.

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX  today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Ive tried to open an account twice with my social security and it didnt allow me to. It says there was a fraudulent activity with any of my previous banks but to my best of knowledge i havent been involved in anything of that sort.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my Experian credit report and noticed an outstanding education loan serviced by XXXX that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with Experian, but they told me they verified with XXXX that the information is accurate. I contacted XXXX on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This account was charged off on the following date XXXX of 2018 of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations.

You failed to investigate this account properly and your neglect has violated my rights.

I am demanding a deletion of the Following account
.

Account Name - Account Number XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This account was charged off on the following date XXXX of 2018 of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the Following account. 
Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I applied for the SAVE program over a year ago. All of the information on my application was correct, but Aidvantage never processed my application. At the time, my loan repayment was to be {$0.00} per month. Since then my loan balance has increased roughly 20 %. I have filed several complaints to have my SAVE application implemented and be placed within the program. My current loan payment is around {$800.00}, which I can't afford. I have reached out to Aidvantage, The Department of Education, President Biden 's office, Vice President Harris 's office and everything get redirected back to Aidvantage. My loan payment continues to be missed because I can't afford it and I'm still not on the SAVE plan and hence not in forbearance given the court actions. There is no record of previous monthly payments nor how many monthly payments I have made towards forgiveness. I need help. Can someone please assist me? This is causing undue stress, as I am the sole provider of a family of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: NC

Complaint narrative:
Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX today 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 2024-10-05 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: NC

Complaint narrative:
Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX today 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both XXXX and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ).

I am requesting that XXXX immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: VA

Complaint narrative:
I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both XXXX and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ). 

I am requesting that XXXX immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.

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 2024-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted Synchrony Bank because I noticed all of my credit cards were closed without my requesting it and without my knowledge. The representative on the phone advised me that my accounts were closed due to me being high risk for paying them back. I had a JCPenney card with a {$500.00} limit that was paid off in full. I have had this card since XXXX and have not had any issues paying. I had an XXXX credit card with a limit of {$3900.00} that was completely paid off and I have not had any issues paying. The XXXX card was open since XXXX. Lastly, I had a Mattress Firm credit card that had a limit of {$8000.00}, my current balance due on it is {$3900.00} because I am paying off a mattress that I purchased last year. I have paid as agreed every month and I have always paid on time and paid early. My credit score was in the XXXX. I see no reason for them to assume I am high risk and to cancel my accounts. My concern is that this will cause my credit score to fall due to them canceling all my cards, particularly the card I have had open since XXXX. I do not understand how I can suddenly be a high risk customer after 19 years of paying them on 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 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Account has been charged off/Written off Charge offs continue to post onto my account every month extends the statue of limitations and its misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a loan in XXXX XXXX, Texas with Mr. Cooper and the servicing is some of the worst, shoddiest, and unorganized service I have ever experienced. I have paid my mortgages on time for over a decade. I have several mortgage loans and two have been serviced transferred to Mr. Cooper ( against my wishes ). Both times this company has completely messed up the service transfer process. The latest loan ( referenced above ) was on auto-payment for years and for some reason Mr. Cooper 's website can not seem to retain my payment information. Therefore, every month, I now have to go into the site and manually pay. This is absurd for a company that specializes in " mortgage servicing. '' Side note : Mr. Cooper 's automated phone system is incredibly ineffective and I believe it may be in violation of some regulatory disclosures. For example, the automated system asks for either : 1 ) social security number or 2 ) loan number ; however, in the event the customer does not have the loan number the system simply reverts to the beginning or just hangs up. Honestly, an audit intern could identify this as an issue. And there are several standard disclosures that I do not hear on their automated phone system. 

I am embarrassed for the CFPB as I could easily write several enforcement actions against Mr. Cooper just based on my experience as a customer.

I would like the following done to resolve my complaint : 1 ) Fix my automatic payment 2 ) Waive any late fees 3 ) Repair my credit score ( if damaged in any way ) 4 ) Have Mr. Cooper retest their customer 's automatic payments
in UAT

5 ) Direct Mr. Cooper to run exception reports cross referencing recent late payment with " broken '' automated payments to identify potential anomalies related to either Mr. Cooper or customer changes. 6 ) Have Mr. Cooper implement several lines of contact. Currently, they call but during office hours. As noted above, I work in the same industry with the same hours in meetings so a text, email, message in the website, instant message, etc. would be additional measures in which Mr. Cooper could resolve this issue. Additionally, the CFPB should add the following to their examination procedures : 1 ) Have multiple interns follow the phone prompt for 1 ) proper regulatory disclosures and 2 ) customer ease of use 2 ) Access Mr. Cooper 's back-end servicing tables and query for excess late fees. Then cross reference to recent automated payments that have been stopped. Research for Mr. Cooper anomalies and root cause Mr. Cooper errors. Examine for thematic issues. 3 ) Have Mr. Cooper perform e
xtensive UAT testing for loans being serviced transferred to their system PRIOR to the service transfer. Have those results submitted to the CFPB ( or OCC if applicable ) prior to being allowed to move forward with the service transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I HAVE CONTACTED UPSTART MULTIPLE TIMES ASKING FOR HARDSHIP ASSISTANCE AS SOON AS I HAD A CHANGE IN INCOME AND INCREASE IN EXPENSES DUE TO XXXX LOANS. I HAVE NEVER BEEN LATE. I WAS TOLD TO CALL FOR ASSISTANCE IF STRUGGLING TO MAKE PAYMENTS AND I KEEP BEING DENIED. I APPLIED XX/XX/year> AND WAS DENIED AND WHEN I CALLED AGAIN I WAS TOLD TO TRY AGAIN JUST TO BE DENIED AGAIN. THEY ARE STATING I HAVE EXCEEDED THE AMOUNT OF TIMES ASSISTANCE CAN BE GIVEN AND THEY WILL NOT REFINANCE THE CURRENT TERMS. THEY ARE NOT WILLING TO HELP. THEY ARE CALLING ME MULTIPLE TIMES DURING DAY AND DO NOT OFFER ANY OPTIONS FOR PEOPLE IN DISTRESS OR TO AVOID NEGATIVE CREDIT REPORTING.

Company response to consumer: Closed with explanation