vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 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 an 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 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are late payments for account -XXXX XXXX XXXX ( XX/XX/2020 ) -XXXX # XXXX ( XX/XX/2020 ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions
State: FL

Complaint narrative:
In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with FJS Global, Future Judgement Solutions, XXXX XXXX XXXX, and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied XXXX XXXX XXXX Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank XXXX XXXX credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I obtained a loan with cashnetusa. XX/XX/XXXX. XXXX was delinquent. Loan PAID IN FULL XX/XX/XXXX. XXXX has refused to remove item from credit report. Claims debt was sold to XXXX party. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX contacted : XXXX XXXX XXXX. Claims no knowledge of debt. 

XXXX has filed collection on crefit reports with XXXX and XXXX. After several complaint filed with both agencies, XXXX claims they are original holder of debt. XXXX and XXXX refuse to remove item from credit. Recently reported as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 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 an 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 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 2023-10-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today I received a call from someone claiming to be light stream finance. They had a legit looking form and I completed it. Then they were disputing my accts and got me XXXX on my bank acct. So they asked me to cash app them the XXXX to a XXXX XXXX and thats when I realized I was being scammed. I hung up and called my back and cancelled the disputes. Also blocked the number from my phone. XXXX ( XXXX ) XXXX Here is XXXX of the numbers they called from. The form also had the actual light stream logo so it looked real. The man called me back on a different number and threatened that if I didnt send HIS money to him on the cash app tag $ XXXX that he will call my bank and get double that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
First- wait times are over XXXX hrs. no matter when you call. 

called at XXXX XXXX XXXX XXXX XXXX, was told ( automated ) that they were not available at this time. When they are open until XXXX XXXX XXXX according to their website, and recorded message. 

i am trying to get the expended loan repayment. i was told on XXXX separate occasions that they would place me in that program. i am now in the XXXX repayment, and the amount is too much for me. 

the company in NELNET. i did make my first payment this month, without getting it corrected, because I don't want to be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
I have sent several disputes via mail, online and over the phone due to identity theft. Equifax and XXXX have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. Equifax and XXXX are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to submit a formal complaint regarding the mismanagement and lack of communication surrounding my home equity line of credit ( HELOC ) tied to account number XXXX, initially opened by my late grandfather, XXXX XXXX XXXX XXXX. 

Key Points of Concern : XXXX ) Successor in Interest : a XXXX Bank of America has formally recognized me as a Successor in Interest, granting me the right to information and actions related to this loan. 

XXXX ) Payment Attempts : a ) On XX/XX/XXXX, I made XXXX significant attempts to clear all dues : i ) I visited a Bank of America branch to wire funds but was denied. 
ii ) I overnighted a personal check, which was returned because it wasn't certified funds. 
b ) On XX/XX/XXXX, I sent a cashiers check for {$4500.00}. Despite exceeding the due amount, the check was rejected and returned because it was not the " exact amount. '' I was never told the exact amount. 
c ) I did not receive a formal reinstatement amount until XX/XX/XXXX. 
d ) Full payment was sent via overnight mail on XX/XX/XXXX. 

XXXX ) Inadequate Communication : a ) I have not received any formal foreclosure notices as mandated by Florida laws. 
b ) Monthly invoices did not specify the need for " certified funds, '' nor was I informed of this requirement separately. 

XXXX ) Frivolous Fees : a ) A reinstatement calculation letter dated XX/XX/XXXX included {$2300.00} as foreclosure and attorney fees. 

XXXX ) Personal Hardships : a ) As previously mentioned, I am the sole caregiver to my XXXX son with learning disorders, among other personal challenges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am a victim of identity theft i have included documents of my reports and submissions of filing for identity theft off identity theft by gov is well as other sources CFPB and submission to the actual FBI of my hacked personal information that has caused me a lot of issues I am trying to clear up my credit report so please erase all inquiries that I am requesting as they have not been authorized or applied by meThis has been a violation and this is unlawful and unauthorized and is consumer violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/31, Chase Bank happily accepted a potential customer 's pertinent information, such as XXXX, XXXX, Address, etc., to be entered into their systems and open a credit product. 
I'm sure they were elated at the new account opened. 

At no point during the process did they match the entered SSN to existing accounts ( security check XXXX -- does this person already have accounts with us? ). Had they, they'd have noticed a mortgage, investment, checking, savings, credit card and auto account. By simply matching this input and asking the customer to sign in to their properly secured account via XXXX, this mishap wouldn't occur. 

Additionally, Chase accepted a home address that the customer hasn't resided at in XXXX years - because, reasons? 

I sure hope the executives at Chase are pleased with their eagerness to allow accounts to be open to report to investors, mind you, it's harder to pay for the credit card bill than it is to open an account. 

XXXX XXXX  business practices that are SO SIMPLE TO AVOID!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company IC System has continuously called my phone while I was working, I expressed to them that I can not get calls at work and that if I continue I would report harassment, the man on the other end called me a XXXX and said to just pay your bills and you would not have this problem and hung up in my face. I tried calling the number back and every time I would explain to someone what happened they just tried to move on from the conversation, this was insanely disrespectful and this is no way to run a company. This account does not 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 explanation
Consumer complaint received 2023-10-31 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: The Savings Group, Inc.
State: MA

Complaint narrative:
On Monday XX/XX/XXXX, I saw two credit checks on my credit report that I did not recognize but it was too late to do anything. On XXXX morning I received a call stating that I applied for an auto loan refinance with 'rategenius ' and that they had pulled my report and were calling me to follow up. I informed them that it was not me and they said that the info came from rate genius and I would have to follow up with them. I followed up with Rate Genius and informed them that my identity was stolen and asked them to provide me the authorization they claim they received from me to give my social out to different companies. They claim that this is proprietary information and they are unable to share it with me. They refuse to take the credit checks off my report and refuse to provide me with any evidence that I provided authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
I have disputed XXXX XXXX XXXX numerous times since XXXX  on my Experian credit file and continues to remain. I called XXXX XXXX and they have an incorrect name associated with my social security number and refuse to tell me how to speak with anyone in accounting and will only give me a customer service number. I have spoken to Experian countless times on this same issue and the only thing I am told is that all they can do is dispute it, despite me asking them to request the file and see that the name associated on the account is not 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 explanation
Consumer complaint received 2023-10-31 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: Snap Recovery, Inc.
State: NY

Complaint narrative:
On XX/XX/2023, I received notification from XXXXXXXX XXXX informing me that a derogatory mark had been placed on my credit by Snap Debt Recovery. I have no knowledge of the basis for this mark or why it was posted without proper information. On XX/XX/2023, I initiated contact with Snap Debt Recovery and expressed my lack of awareness regarding any outstanding debt or claims against me. Despite attempts, including my letter dated XX/XX/2023, I have not received any correspondence or verification from Snap Debt Recovery as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g et al, specifically sub section ( b ).

I am requesting that Snap Debt Recovery provide the following information to substantiate the validity of the claim being made : The name and address of the original creditor, The account number and the amount owed. 
Verification of a valid basis for claiming that I am required to pay the current amount owed. 
The total debt amount, along with information on when it was sent to collections. 
Details on the method the creditor used to attempt debt resolution before collection. 
The amount of interest accrued since the debt was sent to collection. 
Any additional fees and charges associated with the debt. 
I also want to invoke my right, pursuant to 15 USC 1692d 806, to cease and desist all calls and direct contact with me immediately, as outlined in the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation