vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Around 6 months ago I had a current banking account and I had my money I worked for deposited on the account and I had XXXX deposited Around XX/XX/2023 and they closed my account and told me I had to wait for my money and I waited and they have no phone number to call so I sent emails and finally today they answered me telling me they will not hive me the money that was deposited on there I was selling on XXXX and had my earnings being deposited and now they said they are keeping them can you help me they have no right to keep my money that I worked for thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: NY

Complaint narrative:
I hereby submit this complaint in response to the recent investigation. I disagree with the findings and request complete accuracy. I am dissatisfied with the efforts made to rectify the reporting of information on my Experian report. Consequently, I seek further clarification on the following items in question within my Experian credit report : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023. As previously stated, pursuant to FCRA section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report # XXXX You are granted fifteen ( 15 ) days from receipt of this correspondence, in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless otherwise notified. Failure to verify within this timeframe constitutes non-verification, necessitating prompt deletion as per Section 1681i ( a ). Kindly inform me, pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, upon the erasure of the mentioned items. Subsequently, please furnish an updated copy of my credit report to the aforementioned address.

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 2024-02-17 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-17 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} DEPT OF ED/XXXX  XXXX Balance : {$6900.00} DEPT OF ED/XXXX  XXXX Balance : {$3300.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1600.00} DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$830.00}

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 2024-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Selene Holdings LLC
State: GA

Complaint narrative:
The current company Selene Finance purchased our loan of a remaining balance of {$34000.00} and never notified us that they were the new service provider and XXXX XXXX did not tell us they were no longer the mortgage servicer in fact they corruptly placed the house into a fraudulent foreclosure listed an attorney as our representation someone who we don't know & never retained. Then after trying to make sure that the fraudulent foreclosure was stopped, we received information via us calling the old servicer saying that Selene was the new servicer. At that point no one sent us Nothing in regard to the change of servicer. Not only did Selene acquire the loan for what we were told {$28000.00} they are trying to charge us {$310000.00} a balance that is not owed and they can not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Auto loan at XXXXXXXX XXXX XXXX XXXXXXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Auto loan at XXXXXXXX XXXX XXXX XXXXXXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$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 explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am Calling in question the The illegal Collection accounts reporting on my Jefferson Capital System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am Calling in question the The illegal Collection accounts reporting on my XXXXXXXX XXXX XXXX # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
I have overdraft protection with ocean first bank up to {$900.00} the first time they refused to pay my overdraft and sent all payments back ad NSF they did refund fees the second time they paid the places and charged me more overdraft fees I can not afford these fees an explained to XXXX and the manager I am unemployed waiting for my social security this XXXX but they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Tenant filings appear on my credit report. These filings are not my fault, as court papers were wrongfully filed during my time in low-income housing. At that point, I had no income, which meant I had no rent to pay. Somehow, apartment numbers got mixed up, and I received court papers that were not intended for my apartment. This situation persisted for months until management resolved the issue. I never owed any money, and I was never evicted from the property. Despite this, these filings are hindering my progress and preventing me from advancing in life.

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 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I believe I am a victim of consumer fraud, theft of securities, theft by conversion, theft by coercion/under duress, unjust enrichment, deprivation of due process, discrimination and the list goes on. I believe NAVY FEDERAL ( any and all derivatives ) has been committing these unlaw crimes against me since the day we have been in business together due to my lack of awareness and competence at the time of signing our agreements. I have brought this matter to their attention on numerous ocasions by way of email, paper mail, phone call, even their app XXXX XXXX, but they either deflect or ignore this matter, assuming nothing will be done ( I assume ) or maybe because NAVY FEDERAL and/or its agents believe they're above American Constitutional law, not sure, but no one is bigger than Law. I have provided NAVY FEDERAL lawful tender, being restrictive endorsed bankers acceptance and/or registered/asset-backed security. Lawful tender has been specially deposited into Navy Federal 's possession, making NAVY FEDERAL holder in due course of the obligations that needs to be fulfilled. NAVY FEDERAL never fulfills the obligation, and proceeds to resubmit these exact issues to this estate every month. I believe Navy Federal is stealing these securities and trading them on the secondary market WITHOUT making my estate Whole, those assets are MDA Trust Res and needs to be returned to the rightful owner IMMEDIATELY! The securitized assets are valued up to about {$500000.00} USD, NAVY FEDERAL have every original issued security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed a fraudulent account. Please remove XXXX XXXX XXXX from my credit profile, I am not responsible for the alleged debt as I have no idea who this company is and I have never entered into any type of agreement with this company, this is fraud.

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