vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navient, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, and Navient whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a lawsuit coming from state of Texas in XXXX XXXX that accused me of owing a big sum of tax money from a property that I dont even own for {$17000.00}. I tried to send their letters back but they did not stop previously prior to sending me a suit last XX/XX/2023. The law office of Linebarger Goggan Blair and Sampson, LLP which is headed by a Lawyer named XXXX XXXX kept harassing me. They included my name in a lawsuit with people I dont know, I have no relation with and never knew or not a relatives of mine. I have never been to Texas let alone own a property to a state I never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: LEXISNEXIS
State: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency LexisNexis has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

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  * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: Nelnet, Inc.
State: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet ncial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Nelnet whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: MO

Complaint narrative:
Experian closed this complaint with the absurd explanation that they always try to push, STRAIGHT CRIMINAL

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 2024-01-15 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
XXXX XXXX has been destroying my credit for the last couple of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a 1099-C and also provide me a copy of that 1099-C that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over 30 days but they still are reporting on my credit report I demand Equifax XXXX and XXXX to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the three consumer bureaus Equifax XXXX XXXX and XXXX immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within 3 business days unless this has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2023 I sent Transunion a certified letter asking them to investigate a public record on my file because the reference number/ docket number was incomplete. On XX/XX/2023 I received the dispute results letter from Transunion which stated that the public record was accurate and verified. ( File number XXXX ) On XX/XX/2023 I wrote a response letter asking them to provide me a description of the procedure and to include the business name, address and phone number of the data furnisher who provided them the information, and if they could not provide the information then they needed to delete the information because there was no way they could confirm to me that they even did a investigation. About a few days later I receive a email from Transunion and they sent me a generic outline of how they conduct all investigations but did not provide me with XXXX  data furnisher information where I could contact the data furnisher.

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 2024-01-15 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: FL

Complaint narrative:
Credit acceptance has been destroying my credit for the last couple of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a XXXX and also provide me a copy of that XXXX that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over XXXX XXXX but they still are reporting on my credit report I demand XXXX TransUnion and XXXX to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the XXXX  and they were never mailed to me they were never emailed to me I was never provided with the XXXX  I requested I demand this be deleted immediately by the XXXX consumer bureaus XXXX Trans Union and XXXX immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within XXXX XXXX XXXX unless this has been deleted.

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 2024-01-15 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: FL

Complaint narrative:
Credit acceptance has been destroying my credit for the last XXXX  of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a XXXX and also provide me a copy of that XXXX that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over XXXX XXXX but they still are reporting on my credit report I demand XXXX XXXX and Experian to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the XXXX consumer bureaus XXXX XXXX XXXX and Experian immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within XXXX XXXX XXXX unless this has been deleted.

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 2024-01-15 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: Omega RMS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to XXXX XXXX XXXXXXXX XXXX . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I made a loan modification last year. I finally got caught up on everything now they have raised it over {$800.00} a XXXX. They said this was because of XXXX. Also, a small increase an insurance and taxes. Also, several payments are missing and they cant tell me where they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I have submitted my loan forgiveness XXXX  ago and was told my company was approved and to finish submitting my paperwork. I submitted it over XXXX XXXX  ago and not have heard anything back at all. In addition to that I have not been able to get statements from company, when I do get a statement it says that I have leas than XXXX XXXX to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello. On last XXXX, I disputed XXXX  life insurance charges that were fraudulent and all were resolved except for XXXX of them for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ). All the details were heavily noted in my account, as I spoke to XXXX  reps. 
The XXXX  XXXX must have read and comprehended XXXX  the notes and approved charges in a timely manner. I was told by XXXX of your reps that the XXXX  XXXX on XXXX  case just accepted the paperwork sent from the insurance companies WITHOUT weighing the whole premise of the case : i never signed XXXX  document with a wet signature. Of course the companies would provide " evidence '' of a document signed but it was NOT MY SIGNATURE. 
I spoke to a rep shortly after understanding the denial and was told to submit my signature and ask for the XXXX to take a XXXX  look. I was not given a time limit. ( You can listen to the call for this proof. ) When time permitted on XX/XX/23 and XX/XX/23, I provided a wet signature plus all the notices Navy Federal sent me, the XXXX application so you could see the signature did not match, and explanation to your XXXX center in the app just as I was instructed. To my surprise, I was told they would not do XXXX  and for me to contact the merchants. Of course, I contacted the merchants and they are XXXX  and passing the XXXX. This is why I got Navy Federal involved. 
I am writing you to assist with getting all my funds back since the reps are not on the same page and no one even took the time to contact a XXXX or even the dispute department. Sometimes cases are not XXXX and XXXX  and require a little more effort and critical thinking. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX XXXX. I have attached my XXXX  and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-15 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested XXXX XXXX to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. XXXX Transunion and XXXX. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation.

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.

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 2024-01-15 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-15 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief