vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I got letter in the mail about my Navy Federal account about my account of {$600.00} i was try dispute the amount on my account to reopen up my Navy Federal bank ion know where that amount came from im trying get this disputed and have my account back open conserve reference number : XXXX creditor account XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Please see the attached. I made two mortgage payments in XXXX since they pretended to never receive the first. When I contacted my bank for a refund on the first one ( that the mortgage co. did NOT give me any credit for ), they have now charged me an additional {$25.00} fee on that payment they claim we never made. ( That's an update since I filed my complaint with you ). So that's two {$25.00} fees they've wrongfully charged us now. Plus the auto pay was approx. {$63.00} more than it should have been in XXXX XXXX They are completely out of control.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 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: NV

Complaint narrative:
I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 
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 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 2024-12-10 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: NV

Complaint narrative:
I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 
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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
beginning in XX/XX/XXXX lvnv funding has called me 10 times a day and soon after falsely reported this debt as mine. They do not have my signature, my id or any other identifying documentation to prove this account is mine. LVNV funding is a factoring debt buyer company. 
I was a victim of the XXXX data breach and someone unknown opened a credit acct in my name. Account was fully maxxed out then abandoned in XXXX. I have repeatedly challenged the company and the credit reporting agencies to to provide proof thsi acct is mine and they cant but refuse to remove or stop harassing me with collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a {$3000.00} American Express ( Amex ) gift card from my employer as part of a bonus program. The card was activated on XX/XX/year>, and currently has a balance of {$2900.00} after one successful {$25.00} purchase and a few small authorization attempts. 

Since activation, I have had persistent issues using the card for online purchases and adding it to my XXXX account. XXXX is my preferred method of online payment due to its security, and it is also my primary financial tool for managing a small side business selling items on XXXX. I followed all instructions : entering my name, billing address, and card details exactly as directed. Despite this, every attempt to link the card or use it for even small amounts ( as low as {$0.00} ) has been declined. 

On XX/XX/year>, after another failed attempt to add the card to XXXX, I contacted Amex customer service. I was assured that the card should work with XXXX if all details were entered correctly, but it still does not work. According to the terms and conditions, the card should be accepted for online purchases and at merchants in the XXXX that accept American Express. I am unable to use the card in the ways I need, and this defeats the purpose of its intended functionality. 

I have spent far too much time trying to resolve this issue, and it has been extremely frustrating. The card is not functioning as expected, and I feel stuck with a balance I can not effectively use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
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: Shellpoint Partners, LLC
State: KS

Complaint narrative:
The Shellpoint XXXX property valuation was severely inflated - this XXXX agent stated that he was directed to list the XXXX value at {$600000.00}, although he originally set the value in the low {$420.00} 's. After obtaining XXXX more Shellpoint approved XXXX estimates AND XXXX Shellpoint approved impartial certified appraisals, we have submitted a XXXX Real Estate Contract dated XXXX/XXXX/XXXX for {$390000.00} that is well above the current certified appraised market value of {$350000.00}. This offer aligns with all FHA guidelines and requirements. However, Shellpoint has remained unresponsive to our efforts for more than XXXX XXXX months. We feel that we are being severely mistreated by this loan servicing company. They must be investigated, meanwhile we continue to pay for legal counsel. Our Foreclosure Judgement date is XX/XX/XXXX at XXXXXXXX XXXX. To complicate matters, I have been battling Multiple Myeloma XXXX for the past XXXX XXXX years. Last month I was diagnosed the XXXX XXXX has relapsed for the XXXX time, after XXXX XXXX XXXX XXXX and 9 years of XXXX, XXXXXXXX XXXX XXXX XXXX XXXXs. An aggressive treatment protocol begins next Monday, XX/XX/XXXX by my XXXXXXXX XXXX doctors. There is some life threatening side effects that occur 60 % - 80 % of the time, so I XXXX not survive. Our goal has been to resolve our mortgage loan obligation for either a loan modification ( that was ultimately declined in XXXX XXXX ) and then we were approved by Shellpoint & their client, XXXX ( aka XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX, our single point of contact at Shellpoint, informed our authorized advisor, XXXX XXXX, that from the very beginning, Shellpoint & their client, XXXX ( aka XXXX XXXX XXXX ), the most recent mortgage owner of several, were ONLY interested in Foreclosure. Meanwhile, they have been leading us to believe that we had a reason to hope for an approved short sale. Now my wife & I are afraid that I may die during this upcoming high risk XXXX treatment, BEFORE we are able to resolve our mortgage obligation. I do NOT want to leave this financial burden and further destruction of our credit rating, for my surviving wife, XXXX children and XXXX grandchildren! 

Please help us! We have come to understand that Shellpoint Mortgage Loan Servicing and their client, XXXX ( aka XXXX XXXX XXXX ) " DUAL TRACKING '' practices over the last more than 9 months are ILLEGAL, UNETHICAL and STRICTLY PROHIBITED! 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX # XXXX

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 2024-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
I have been receiving multiple calls from a blocked number and a man named XXXX claims to be a compliance officer with the state of Virginia. He informed me he is not allowed to share his license number. Unfortunately I gave him my home address. He gave me a number to call and a case number. 

The phone number of the company is XXXX. The case number is XXXX. 

The lady I keep speaking to goes by XXXX. She claims the company name is XXXX XXXX and they dont have a company website. She informed me that they are filing a lawsuit for collection of an old loan I took out with Speedy Cash. I HAVE defaulted on the loan so I thought this was legit, but I have not been able to track down who owns the debt right now. I have received nothing in writing from this company. The lady said they are filing the lawsuit imminently, but it can be settled out of court if I will pay {$1200.00} to them. I was told they are filing three allegations against mebroken contract, bad checks, and intention to defraud. Everything is sounding so real, but when I ask for verifying information from them or the compliance officer, I get nothing. The lady I spoke with took my SSN and DOB because she wouldnt discuss anything with me if I didnt give it to her. I feel so stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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 writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
some time in the year XXXX, i paid XXXX XXXXXXXX XXXX up to about {$12000.00} and i was still left in debt. I stopped paying them but never recieved and result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-11 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-10 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: OK

Complaint narrative:
I just discovered unauthorized inquiries on my credit report this morning, and Im completely baffled. These discrepancies appeared out of nowhere, even though I check my report regularly. I tried refreshing my browser, thinking it might be a glitch, but the problem remained. I demand that the documents Ive submitted be thoroughly reviewed immediately so this can be resolved, and I can stop worrying about it.

Company response to consumer: Closed with non-monetary relief