vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: NY

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 15 USC 1681. 
CREDENCE RESOURCE MANA has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy. 
15 usc 1681 S-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. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
please delete this account thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I had text and calls with XXXX XXXX XXXX, I did escalate to Mr. Cooper head of legal. XXXX PRODUCE THESE TEXT RECORDS I did CC the Mr. Cooper board and advised them to the fact XXXX is not appropriate or capable bankruptcy management software as demonstrated because of human error and no check for errors or balance. 

Line by line review of the last XXXX  month and claims XXXX are needed. To start and make fixes I am owed {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates LCC was attempting to collect a debt from my XXXX XXXX XXXX by threatening legal action. I called them and spoke to someone ( a debt collector ; although they claimed to be a law firm I was unable to speak with the lawyer on the paperwork ) about setting up a repayment plan. They requested I send them payment immediately to which I told the representative I would not pay them without a written payment plan agreement, which they never sent. Instead I received a judgement against me from my local court for several XXXX dollars over the amount Portfolio Recovery Assts. claimed I owed, and several more XXXX dollars over the amount of the original debt. I was never notified of a hearing date, and despite offering to pay was never sent a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
In spite of having a fraud alert on my accounts and my credit having been frozen for over XXXX years, Edfinancial services gave out XXXX loans to someone who has stolen my identity. The first loan was issued in XXXX 2024. I believe XXXX of the loans were for {$870.00}, and XXXX was around {$1400.00}. I need these loans and all the information affiliated with them deleted and removed form all credit bureaus. I need all student loan accounts that are in my name completely shut down as I have never had a student loan. I have filed a report with the police as well as the Federal Trade Commission Edfinancial services has been unhelpful- when I spoke to them they informed me that I will have to submit paperwork to get this fraud and identity theft reported and they would send me an email link as well as a paper form to complete this request. They have sent me neither, nor have they followed up with me in any way. I am hoping that you can help rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I'm not sure who can answer this. During COVID I had utilized the COVID forebearance and at the end of the forebearance agreed with Rocket Mortgage to just add the missed payments to the end of the loan. Fast forward to now, I am applying for a HELOC and I have a lein that had been placed on my home for the amount that we had put into forebearance. I was under the impression COVID forebearance could not negatively affect you in any way and we arranged just to extend the loan until paid off. I am very upset about this and it completely caught me off guard. Neither Rocket Mortgage or HUD would help me. They each said I had to discuss with the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: PA

Complaint narrative:
I was renting a month to month building on my property a carport and the company I was renting from I decided to cancel and that was in XXXX and on XXXX XXXX XXXX the company cancelled the contract with a amount due and this company Debt Co is trying to charge me double and they said it was for another bill but that doesnt even make sense because the the next payment would even make it that much and I kept being threatened by associate that I if I didnt sign the paper allowing permission to go on my property then they would charge me XXXX and I have all this in email correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: SC

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 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: SC

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 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to bring to attention a collection account that was reported on my XXXX XXXX report in the month of XXXX by Jefferson Capital SY. The account is attributed to XXXX, with an alleged opening date of XX/XX/2023, and a balance of {$4200.00}. 

I want to emphasize that I have never opened an account with XXXX or any other service carrier, as I have been part of my family 's plan for as long as I can remember. It is impossible for there to be an account under my name with XXXX. Additionally, I can provide evidence to prove my whereabouts on the day the account was supposedly opened to prove that I was not the one who opened this account. 

I have never received any communication, either by email or mail, from Jefferson Capital SY regarding any attempt to collect a debt. This collection has taken me completely by surprise as I am certain that I have never engaged in any business with XXXX, whether in-store or online. 

The response I received regarding a dispute I submitted through XXXX XXXX was that the information in question was deemed accurate ; however, this situation is now raising suspicions of potential identity theft. 

I want to highlight that my credit has been frozen for a couple years, and it was only temporarily unfrozen several months ago for employment purposes. This recent development has led me to believe that there may have been unauthorized activity on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit bureau took away all my credit scores and credit reports.

I contacted to them and they keep transferring to me one department to another and not resolving my concerns.

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 2024-04-08 00:00:00
Product: Credit reporting 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:
I am filing this complaint against XXXX, TransUnion, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, TransUnion, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, TransUnion, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, TransUnion, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, TransUnion, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, TransUnion, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, TransUnion, and XXXX immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of XXXX, TransUnion, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Equifax for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, XXXX, and Equifax are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, XXXX, and Equifax are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, XXXX, and Equifax that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, XXXX, and Equifax have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, XXXX, and Equifax have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, XXXX, and Equifax immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account.

The continued inaccurate reporting of this account is a clear violation of XXXX, XXXX, and Equifax 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2.

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I took out a small, private student loan of {$3300.00} on XX/XX/XXXX. I have been making payments since XX/XX/XXXX, when the interest accrued made my loan balance {$5000.00}. I have been making consistent payments of the minimum amount, yet my payments did not affect the principal of this loan until XX/XX/XXXX. My payment amount is now {$52.00} a month and I truly think I have paid way more than I should have on this loan in interest and fees but the lender can not do anything at all to help me, aside from telling me to shop around for a private loan refinancer in order to lower my current 10.93 % interest rate. Is there any way that you can negotiate this for me and help me get rid of this loan once and for all? 

Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> - XXXX - XXXX XXXX from Chase Security Department called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to Chase, using my name, SS no. with a XXXX address. I said, No I did not create any Chase credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to Security Department of Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with Employee XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to Chase, with the XXXX  address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, XXXX. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on XXXX  and XXXX  to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but may consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as Chase, or other bank. I said no. That's when I challenge him that you closed the application for Chase, and now you're giving an example to move my XXXX balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real Security agent or not. He talked to me fr more than 30 minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from XXXX  he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE : XXXX XXXX ACCOUNT NO. XXXX BALANCE : {$5800.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE {$24000.00} XXXX XXXX  ACCOUNT NO. XXXX BALANCE : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief