vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: MD

Complaint narrative:
Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
4. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Former : XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Kiavi, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 we had an appointment for a home appraisal. Our XXXX said he's been in the business for over 25 years. 

He said he'd get the appraisal back to us in XXXX days. 

XXXX days later we received the appraisal report from our lender and I found so many inaccuracies and errors! Due to the low valuation, our lender said we would need to bring {$28000.00} to the closing table! 

Before we renovated the home, XXXX estimated the XXXX to be {$200000.00} but the XXXX gave us a value of {$160000.00}!!! Almost {$60000.00} less!! 

I knew something was wrong so I looked at all of the comp homes used in the report and there were homes on the XXXX XXXX as our home, but not used in the comp! He used homes that weren't even finished yet, homes with an incorrect address and just on a different renovation level for ours. 

I wrote up a report and asked for an ROV. They reappraised the home at {$190000.00} which meant we still had to bring money to the closing table..about {$7000.00}. 

However, I believe the home would have appraised for the amount they agreed to {$200000.00} which would have meant our equity would have covered our closing costs. 

I'd like someone to investigate this company because it cost us about {$7000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed disputes on my credit reports and the disputes are not being processed correctly and the identity theft paperwork is not being attached to my disputes according to the FCRA. I have called and the FTC report I have been filing is not being processed correctly. And I am not getting copies of the verification 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove the following hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 
Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've asked Equafix to update their system. In regards to my personal information. What they have in their system is wrong. The addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX, Experian and XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
On XX/XX/2023 I submitted a payment of {$3600.00} to the collection agency XXXX XXXX XXXX XXXXXXXX in order to settle the debt. Since this has been done I have received a new bill from AES Success for the debt, however there is now interest on the amount owed when I had 0 % interest from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and Experian just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up

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 2023-12-05 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
IN LIGHT OF RECENT INVESTIGATIONS BROUGHT UPON EQUIFAX, I FIND THAT MY CONSUMER FILE IS BEING IRRESPONSIBLY TAMPERED WITH.OVER THE PAST MONTH I HAVE MADE SERVERAL ATTEMPTS TO REMIND YOU OF THE DUTY PURSUANT 15 USC 1681 .IT APPEARS YOU'RE INTENTIONALLY AND WILLFULLY BEING NEGLECTFUL IN REMEDYING MY AFFAIRS .15 USC1681 E ( B ) ASSURES THAT IAM DUE, PROMISED ACCURACY IN MY REPORT BASED ON FEDERAL LAW. IAM MAKING THIS VAILD REQUEST ATTEMPTING TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT .15 USC 1681i ( A.5 ) SAYS THAT AFTER THE REVESTIGATION ALL UNVERFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THIS ACCOUNT WAS PREVIOUSLY DISPUTED WITHOUT BEING THROUGHLY INVESTGATED THUS I KNOW CAN NOT BE VERFIED OR VALIDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
For the last XXXX months, since XX/XX/2023, BEFORE my due date to make my first payment on my student loan, I have submitted ( 3 times now, once in XXXX, once in XXXX and another time in XXXX ) for a Deferment request as I attended part time ( XXXX credit hours ) school for the semester of Fall 2023. I have submitted official documentation from my school as proof of my enrollment as well. Not only do I not receieve confirmations, I only see a " we are processing your request '' banner when I check the progress of my request a week or XXXX after I submit. Then, that notice disappears, with NO track or record of my request in my Nelnet account either. Like I never requested anything. Then a few weeks later, I get a notice about my payments being late. I have tried calling numerous times, to be on hold for a long time ( XXXX minutes ) then the call dropping/ hanging up once it is my turn. I have tried to email them, as I realized last month this is affecting my credit score and continues to do so ( the last time I requested it was XXXX, this time I took screenshots and saved everything ). I just attempted to call them again as this is the third time my requests not only disappear, but doesnt go through. And again, affecting my credit score for the third month in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: KY

Complaint narrative:
My mortgage is through Loancare, specifically XXXX. The company they are owned by, XXXX XXXX XXXX, took their systems offline in XXXX of XXXX. Many people were unable to pay their mortgages. The company did not notify us that this was happening, but just took their website offline. 
The company finally came back online on XXXX and my mortgage was paid. I woke up on XXXX to find it has been taken out twice, and my checking account is in the negative by almost {$2000.00}. I am unable to contact anyone via Customer Service and I am unable to log into their website, as it is down yet again. 
I have read online that some people had their payments come out XXXX and 4 times. This company is horrible and is messing up people 's banking and budgeting, and likely holidays, and should have repercussions.

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 2023-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment. 

However, in XXXX  when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''. 

In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing. 

I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge. 

Now I have to deal with all credit bureaus to fix this issue. 

Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN? 
2. There is no communication with credit card holder there new account opened? 
3. What internal control bank has to monitor opening credit cards? 

Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: MI

Complaint narrative:
My mother and I were renting an apartment in XXXX from XX/XX/XXXX to XX/XX/XXXX, we fulfilled our lease, we went through many difficulties due to the pandemic, I had a XXXX in XX/XX/XXXX and my mother had an accident that left her XXXX in XXXX leg, But despite all the difficulties we had, we always fulfilled our lease, we left the apartment very clean and in very good condition ( I have the photos ), but after we moved out, they did not return the deposit and they wanted to find excuses to charge us things that we don't think is correct, in addition, they are charging us for not giving 60 days moving notice, we gave them 30 days moving notice following their instructions because we had already finished the lease and we were on a month-to-month basis ( we stayed an extra month ), The most unfair of all, and I think there should be some protection for people because this is affecting my life, is that they are reporting to my credit indiscriminately and without control, as follow : Collection Account MUTUAL MANAGEMENT SRVC Originally : THE XXXX XXXX In Collections XXXX Reported XX/XX/XXXX Origination Date XX/XX/XXXX Original Balance {$1300.00} High Balance {$2000.00} TOTAL DUE {$2000.00} They kept my deposit, and they sent me to collection for {$1300.00}, and now the collection company is reporting to my credit bureaus every month increasing without any control and limit like if I have a subscription with them, they started with {$1300.00} and increasing every month they are now reporting a balance today of {$2000.00} and they will continue. 
The situation here is that this is affecting my life, I am trying to find a place to live because I am not safe where I am currently living, and because I owed more than {$2000.00} to a renting company, they are denying all my applications and this is affecting my life because the amounts they are charging are not fair, and they are increasing however they want without a control and a limit, Not fair that renting and collection companies are indiscriminate doing this without a control and affecting lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America shared my nonpublic personal financial information with 3rd parties without my consent pursuant to XXXX and FCRA

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