vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax shows my name as XXXX XXXX XXXX XXXX and I am not and never have been a XXXX. I have asked for this to be removed a few different times over the years and they will not remove it. They are asking me to send them a copy of my social security card and I don't think that is an appropriate response. They can look it up on every credit report or credit file that I have ever had an XXXX  has never shown up on my name. They are the credit reporting agency and needs to do the work to keep their info correct. They also stated in the file I just received on XXXX that said I have a Bankruptcy, which I do not have. It says this on page XXXX XXXX of the report under hurting your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: LA

Complaint narrative:
I am writing to formally report what I believe to be a fraudulent debt collection scam involving a company calling itself " Unifin. '' Over the past XX/XX/year> and XXXXXXXX XXXX XXXX, I have been receiving unsolicited text messages from a company claiming to be a debt collector. 
They allege that I have an outstanding debt of {$9400.00} and include links within the messages, directing me to click on them if this is a mistake. I regularly monitor my credit reports through XXXX and receive yearly reports from all major credit bureaus. I have never seen any mention of such a debt, nor do I have any financial obligations of this nature. Additionally, I have never received any formal debt collection notice in writing, which I understand is required by law. I believe that this company may be attempting to scam me by acquiring personal information through these text messages and links. I have not clicked on any of the links provided, nor have I responded to the messages. I would appreciate your assistance in investigating this company and their practices. Below is the contact information from the messages I received : Company Name : Unifin ( according to the text messages ) Alleged Debt : {$9400.00}. Account/Order/Tracking number : Ref # XXXX Unsolicited text messages with links to click provided in the message : https : XXXXXXXX with a link to self service portal XXXX XXXX XXXX XXXX  The text is coming from # XXXX and in the message asking to call XXXX Thank you for your attention to this matter. I look forward to hearing from you regarding any actions or follow-ups that may be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXXXXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXXXXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, 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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Multiple calls asking for XXXX. Im not her, don't know her. Asked to be removed from Midland Credit services database and I get the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Dear Southern management, In response to the debt {$11000.00} you reported to the credit bureau on XX/XX/year>, I am contacting you to make the precisions below : In reference to the agreement I signed with the initial creditor XXXX XXXX XXXX I consented that any proceedings to enforce the guaranty agreement be brought before the court sitting in the judicial district or circuit in which the apartment is located to file an affidavit. 
I did not receive a call, nor a validation notice from you, Southern Management, to state the debt, the name of the original creditor, the amount and my responsibility with the initial creditor, I believe that XXXX XXXX XXXX, who is the initial creditor just made a default judgement for themselves to take money from me. I am writing you to let you know that I do not have any responsibility with the debt you are trying to collect according to the fact described below : I co-signed the student XXXX XXXX for an appartement within the XXXX XXXX XXXX XXXX located in XXXX, Florida to pursue a degree at the XXXX. She has not missed any payment, however, after she graduated, she was going through some XXXX XXXX, XXXX  issues, and she could no longer afford the rent, so she decided to move out with the consent of XXXX XXXX in the sense that they sent an agent ( XXXX ) to inspect the property and retrieve the key once she cleans up. XXXX did clean the property and dropped the key on the XXXX of XX/XX/year> as requested by XXXX XXXX. Upon reception of the key, XXXX XXXX made her sign a sublease to immediately terminate her contract with them, matter of fact XXXX XXXX paid the remaining balance. As a proof, XXXX XXXX cleared her account to XXXX balance ( Receipt and exchanged message and photos after cleaning up attached to the letter ). 
As far as the reported debt to the credit bureau, I found out after I was denied by VA for my home loan as an Active-Duty Military. With the information the lender provided, I called Southern management and had XXXX XXXX, she asked my account number and I politely replied I do not have it, and she said so I can not help you and hanged up the phone, I called her back again, and she said : As I told you I can not help you without your account number, I said maam I do not have it, she then asked my name and I spelled it for her and she said I do not see your name, so I dont have anything for you and then asked my social security for further verification, I said maam, I do not know what is going so I cant give you my SSI number and she hanged up the phone. 
In fact, I do not have an account that I am aware of with you. As stated, I do not have any responsibility with the debt you are trying to collect. 
In witness whereof this letter is written to Southern Management LLC to serve as a dispute against the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # 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 2024-10-11 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: FL

Complaint narrative:
I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # 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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Here is the translation : -- - Recently, I, XXXX XXXX, submitted two applications to XXXX for travel authorization requests for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. Both applications were mailed, containing payment checks from my office, XXXX XXXX XXXX. However, after sending the two applications, upon arriving home, XXXX realized while reviewing the scanned copies that the two checks had not been signed. Aware that unsigned checks should not be processed, as per the internal security procedures of all banking institutions worldwide, I resubmitted the two applications, this time with the checks properly signed. To my surprise and dismay, the bank processed the first two unsigned checks. This failure demonstrates a severe lack of security on the part of the bank for not verifying the signatures on the checks before processing them. Had I known that the unsigned checks would be processed, I would not have resubmitted them, thus paying twice for the same process. This situation caused significant inconvenience and unnecessary expenses. When I contacted the bank to resolve the issue, they refused to take any action.

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 2024-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Under the XXXX Administration back in XX/XX/year>, my student loan was forgiven. All my loans were consolidated under one account and Navient is still showing on my credit report. I would like the whole account removed from my credit report if I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
Well on XX/XX/2024 chime sent me an email stating that my account was being closed immediately with no warning or explanation. I reached out to Chime and was told that there were some discrepancies on my account and that they could not give anymore information. They also stated that my account was ineligible for a refund which was my money. I had funds in my checking and savings account, that they will not send to me and that my account was now at XXXX. My pay role has been going to chime for years. THEY TOOK MY MONEY AND LEFT ME WITH NOTHING. I have had to miss work do to not having gas in my car to get there and is not able to feed myself or my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: WV

Complaint narrative:
I need more time to pay without issues of threats of repossession. I have payments scheduled and will continue to make payments as money comes available to get caught up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a reinstatement quote from XXXX that the total due to reinstate must be remitted no later than XX/XX/2024. The reinstatement amount was {$9900.00}. On XX/XX/XXXX, PHH Mortgage received {$3500.00} from the Mortgage Relief Program of XXXX XXXX XXXX. 
On XX/XX/XXXX, I wired {$6400.00} to XXXX XXXX XXXX XXXX. Attached is a copy of the bank wire with the date and time. Also attached is a screenshot of the date and time XXXX XXXX XXXX XXXX XXXX sent the bank wire. The date was XX/XX/XXXX, at XXXXXXXX XXXX  I complied with the reinstatement letter which did not specify what time the funds must be on XX/XX/XXXX. 
On Friday XX/XX/XXXX, I received an email from XXXX that the payments were not posted to the account until XX/XX/XXXX and I had to pay the XX/XX/XXXX, payment in the amount of {$1400.00} and was threatened that if I didnt comply all payments would be returned. In an effort to get this resolved as soon as possible I complied and wired via XXXX XXXX {$1400.00} on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent a second email stating that since the {$9900.00} were not received on XXXX XXXX a NEW Reinstatement quote was processed on XXXX XXXX and the email stated : Also, the amount we received for {$1400.00}, on XX/XX/2024, is short by {$2800.00} to reinstate the account. Kindly send the remaining balance of {$2800.00} on or before XX/XX/2024, to avoid getting a refund for the initial amount we received. 
I received the email on XXXX XXXX  And was told to pay {$2800.00} in one day. The email also stated that their representative made numerous attempts to call me. 
However, I have kept a log of my most recent calls and PHH Mortgage phone number is not listed. 
It is apparent by their refusal to accept my payments, sending two emails threatening to return all the current payments sent and by adding additional costs not listed in the original Reinstatement that the actions are punitive and unlawful.

Company response to consumer: Closed with explanation