vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX  of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, 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:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt.

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, 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:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.

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 2022-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This is fraud. Someone used my identification and used it to obtain a car. I became aware of this when I tried to go get a car and I was advised that I owed.

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 2022-03-15 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2022-03-15 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days days of XXXX, 2022, which is the date they received it [ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me.

3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IA

Complaint narrative:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

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 2022-03-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Pursuant to 15 USC 1681 ( i ) I required Experian to send me the description of the procedures of the reinvestigation of the furnishing of inaccurate information that I disputed on my consumer 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 2022-03-15 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: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 
This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character, pain & suffering and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Equifax this DEMAND TO COMPLY in a letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Delivery is expected latest by XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Equifax and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Equifax a written dispute in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Equifax failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When I called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Equifax willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Equifaxs violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority.

Equifax is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Equifax which has put my family through extreme hardship this past year. I am demanding the deletion of 2 closed charged off accounts, 2 inquiries and 1 collection account immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand for Compliance letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: MO

Complaint narrative:
I have been trying to get this company to validate the debt they said i owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at XXXX - XXXX XXXX XXXX XXXX XXXX account # XXXX has been sending me a collection notice for {$410.00}. I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have applied for PSLF. I am cute let eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to XXXX, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( Aidvantage ) and all parties have Nj answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: WA

Complaint narrative:
My name is XXXX XXXX, I am writing on my own behalf, there is no third party involved. On XX/XX/XXXX, I submitted an FTC report for numerous fraudulent and unverifiable accounts and inquiries on my credit report on Experian 's website. There were 7 inquiries that were apparent as fraudulent, including- XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX  / XX/XX/2022 XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 I wrote a letter to Experian, and sent them my FTC report including proof of identity on XX/XX/2022 that included all of the above inquiries that are fraudulent and unverifiable. The problem is their are still numerous fraudulent inquiries and credit accounts on my credit report that are drastically effecting my ability to operate in commerce. The following inquiries, Experian removed from my report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXXXXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 HOWEVER, the fraudulent inquiries : XXXXXXXX XXXX / XX/XX/2022 XXXX / XX/XX/2022, and XXXX XXXX XX/XX/2022 including the unverifiable debt amounts attached to these accounts are still furnished on my account. Not only did I never give the above companies permission to furnish my account, but these are debts claimed to be owed by me, are furnished on my report and are entirely fraudulent. Experian has yet to make the changes to my credit report as requested. Due to this identity theft allowed and perpetuated by Experian, I am violated. I still have not allowed XXXX nor XXXX furnish my report and post a credit account on my report. Numerous laws have been broken, and my rights have been violated as a federally protected consumer. Unfortunately this has disturbed my ability to operate soundly in commerce due to high revolving debt form these accounts, AND the numerous recent inquiries on 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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing is the loan servicer of my primary residence mortgage and the investor is XXXX XXXX. I fell behind on my mortgage because I ran out of money. In XX/XX/XXXX, SPS offered a loan modification but I could not afford the amount. In XX/XX/XXXX, I got a new job paying 45 % and could finally afford the mortgage. Shortly after in XX/XX/XXXX, I began making monthly payments. I applied 3 times for a new loan modification but have been rejected every time even though I can now afford the payments. I am about {$65000.00} behind on payments and requested for SPS to balloon the payment at the end of the loan so I could have an opportunity to become current but they refuse to do so. I don't know what else to do and I need to keep my home to live in with my wife and kids so I am asking for help. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are

listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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