vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I filed bankruptcy in XXXX the {$25000.00} debt I was told by the mortgage company had been XXXX. In XXXX I received paperwork that I still owed the debt so for 6 years I have tried to resolve the debt but I get no help from the mortgage company that now holds the debt maid numerous phone calls over this time .now I want to try and refinance the debt with another company but they tell me now the debt has ballooned to over {$54.00}. I have been attempting to get a payoff quote for the new mortgage company since XX/XX/XXXX of this year I have made 16 calls to them with nothing but excuses I have asked for call backs from a supervisor but no ever calls they are costing me interest points and interest I don't know what to do now hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As I was checking my credit I noticed multiple accounts that I do not recognize

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
This company refuses to close an inaccurate unverified account and is illegally reporting my information to third-party affiliates. I have filed a identity theft report as well as well as spoken with the company. 

The account number is : XXXX Date opened : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
I recently reviewed my credit report and came upon an alleged XXXX  XXXX Bankruptcy reporting on my consumer credit report. This is an error and LexisNexis has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court XXXX XXXX of Indiana notifying them of their potential violation of state and federal law by providing LexisNexis with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged BANKRUPTCY XXXX  XXXX DOCKET # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I was checking my credit I noticed multiple accounts that I do not recognize

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As I was checking my credit I noticed multiple accounts that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On my equifax report theres a dispute remark on my XXXX XXXX  account thats states dispute resolved-customer disagrees. I never disputed this account. I called XXXX XXXX and they said they never sent anything to equifax. Ive called equifax numerous times between XXXX XXXX XXXX. XXXX XXXX said they dont know why the remark is on there and they would remove the remark within XXXX hours cause its hindering me from getting a mortgage loan. Every time I called the rep states the previous rep didnt finish the request. Ive asked everytime to speak to a supervisor yet XXXX will let me speak to one. On XX/XX/2023 the remark was removed and replaced with a new remark stating Consumer disputes - reinvestigation in progress. I called again on XX/XX/2023 and asked why was the previous remark removed yet another remark added. I was told again the previous rep I spoke to didnt complete the request. This last rep I spoke to on XX/XX/2023 named XXXX said last rep didnt complete so he would complete the request and would take 72 hours to remove the remark. I asked will this remove the remark and not add another remark like the last time. He states no and gave me confirmation number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i recently disputed the inaccurate and incomplete items being reported on my credit report by TransUnion and XXXX and i need assistance in this matter, per 15 USC 1681 require that all information be 100 % accurate and complete before reporting. i have attached copies below

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 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I disputed my medical debt with XXXX and XXXX under the AARGON AGENCY INC and they both removed this debt from my credit report due to a violation of my HIPPA rights. XXXX is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to XXXX about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.

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 2023-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
XXXX This written correspondence is in reference to an account listed on my credit report that I did not open, and was opened up fraudulently. The account is identified as XXXX XXXX, with Balance of {$5000.00} USD. 

I have requested that the company remove this item from my credit report and disputed the account as fraudulent. CACi the collections company has only increased the balance on my report to now {$5000.00}. 

This account was opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My federal student loans have been serviced by three providers since the start of the COVID pandemic. Great Lakes to XXXX on XX/XX/XXXX, and then to XXXX at the end of the XXXX contract with the US Dept of Ed. On XX/XX/XXXX, I requested a refund of student loan payments made during the COVID pandemic. On XX/XX/XXXX, XXXX responded and refunded the {$2800.00} that had been paid to them since becoming my servicer. Their response stated that the additional money paid through other servicer would come from the Treasury after processed by the Dept of Education. After 120 days, I received a portion of this money from the XXXX Treasury - A check for {$10000.00}. This represents the money paid via XXXX after XX/XX/XXXX. I contacted the Dept of Education to request payment of the refund from payments made to Great Lakes between XX/XX/XXXX and XX/XX/XXXX - an amount of {>= $1,000,000}. I received a response to contact Great Lakes. Great Lakes now no longer services loan and I can not contact them. Ultimately my loans and payments were the property of the US Department of Education. I did not chose my servicers. I can not contact some past servicers. I am missing over {$62000.00} that an agency of the federal government owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was unable to login to my checking with the company Chime. I XXXX customer service and I was scammed from the person pretending to be Chime. He helped me get into my account and transferred my money to an email address and right there I thought things were suspicious, so I said this doesnt seem right Im going to hang up. He told if I do he will suspend my account, so I continued and he instructed me to wait for a form but the form never came and he said must be technical difficulties. 

I told this to Chime and they investigated and will not return my money of {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist offers a {$400.00} bonus when opening a checking account. But the online system did not allow me to open an account. It redirects me to go into a branch. When I went into a branch, they said they could open the account for me but I would not get the {$400.00} bonus as advertised. 

This is unfair and deceptive marketing. I have found several other customers online that have encountered the same issue.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt XXXX is using stall tactics by saying it isn't me but I provided proof that it was XXXX and Experian has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: DC

Complaint narrative:
I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXXAccording to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have to them to send me the original contract with my signature they still havent deleted it off 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
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. 
In addition the Certificate of Indebtedness the documentary evidence required to prove this claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX XXXX XXXX. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ). 
By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. This kind of activity is considered conspiracy racketeering. 
All of these issues suggest Securities Fraud. If this is not immediately removed from my consumer report, you cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
I told them I am out of a job and looking for work, but they continue to call my friends and family after I told them to stop. 

They said they would stop, but did not. Now my friends and family are angry and not sure what they can legally do about it. 

I have no money, no food and no job, I can't pay what I don't have. When I get a job, I will pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
These inquiries are fraudulent and do not belong to me. Please remove them under the law. I have included the identity theft reprot. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Its a wrong information on my credit and its damaging my credit and I want it gone

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Its a wrong information on my credit and its damaging my credit and I want it gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX has has five fraudulent inquiries on my credit file that needs to be removed, I did not check my credit for these inquiries to show up please remove these inquiries off my credit report they fraudulent I do have screen shots of those accounts transunion has 7 inquiries on my report that are fraudulent I filed this CFPB to have them removed and the two XXXX XXXX XXXX XXXX accounts thats on my credit report also needs to be removed those accounts are fraudulent, I did not open those accounts, and I will send a ftc identity theft report please do yalls job and not ignore this ftc complaint it acts the same way as a police report, I do have screen shots of those accounts

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank Mastercard obtained with a limit of {$800.00}. Payments due XX/XX/ for roughly {$30.00} submit week of XX/XX/ for {$60.00}, confirmation # XXXX. 

I have received correspondence from Citizens Bank stating that they have decreased my limit to {$300.00} from {$800.00}. 

My payment is less than 30 days late and a violation. Payment invoice received for XXXX XXXX All other months obsolete.

Company response to consumer: Closed with explanation