vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
XXXX, XXXX I started this process. 
- Through electronic relations, I requested the mortgage being reported to be reviewed. Inaccurate information, my x-husbands was to carry the weight of the mortgage for he lived in the house. 
- The credit report changed but still remained in the report hurting my credit. 

XXXX, XXXX I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; I was on hold for over 48 hours. While I remained on hold I used 2 other phones to engage in 3 separate phone calls lasting between 3-5 hours on hold. On hold the entire time never engaging in conversation to help resolve my situation. 

I have a court order document - proving my x-husband to be the sole responsible party in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Opportunity Financial, LLC
State: NJ

Complaint narrative:
Oop Financal Loan by XXXX XXXX is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. Oops Financial Loan should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am XXXX to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing in reference to the debt collection company, Midland Management , Inc. I formally disputed the debt and requested that the company validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, I have not received the necessary information and documentation to validate that the debt belongs to me and that the company has the legal right to collect such debt. The Federal Trade Commission ( FTC ) has made it very clear and stated that a mere photocopy of a bill does not constitute sufficient validation for debt collection purposes.

It is my understanding that under the FDCPA, Collection agencies are obligated to provide the following information to properly validate the debt : Verification of the amount owed.

Proof of ownership of the debt Evidence that you have the legal right to collect the debt.

As of the present date, I have not received any valid documentation or verification of the debt in question from Midland Management , Inc, despite the legally mandated request for validations and all my efforts of communication to properly validate the debt. I urge Midland Credit Management , Inc to comply with the FDCPA and the FCRA and provide the necessary documentation to validate the debt within the required time frame.

Due to midlands lack of efforts to properly validate this debt, I question the legitimacy of the debt and their ability to collect such debt. Midland Credit Management , Inc. have NOT provided me a copy of ANY original documentation which I requested in my previous written request required per FDCPA 15 USC 1692 and the FCRA under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA.

As stated, before the Federal Trade Commission ( FTC ) has made it very clear and stated that a photocopy of a bill does not constitute sufficient validation for debt collection purposes. A copy of a bill WILL NOT and DOES NOT give Midland Management , Inc. the right to collect this debt in a court of Law this has been stated by the Federal Trade Commission. You must be the owner of this debt. In addition, sense I have never entered into an agreement with Midland Credit Management , Inc they must have a Legal right of ownership to collect this debt. The Purchase agreement will establish this, and I have requested this information multiple times in my previous attempt of validation with Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter from American Coradius International LLC on XX/XX/2023 stating that I owe a debt to XXXX in the amount of {$110.00} I have never taken part in any transaction via XXXX for {$110.00}. Additionally, there is no proof of any transaction for that amount in my XXXX history. This is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 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: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
The Account amount I had with Affirm Inc was paid off on XX/XX/XXXX which I was confirmation I received from Affirm stating that the amount was paid off. And when I disputed this with XXXX since affirm did not update the amount as paid off and its still on my credit report. 

For the dispute I submitted with XXXX, Affirm had replied the information was accurate that theres still a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 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: NJ

Complaint narrative:
I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I applied for a SAVE application XXXX XXXX XXXX  The federal government told me my payment would be XXXX. I applied early, during beta, so Nelnet has had plenty if time to process my application. I connected my IRS account to Nelnet so they could I think my tax information from them. Which is a viable option. My AGI was listed from IRS as XXXX. The federal government said I qualify for XXXX. Nelnet kept asking for more information because like other friends I have, they are trying to scam me out of more money when the guidelines for SAVE are ONLY your AGI, which I provided. IT has been 3.5 months and Nelnet still hasn't processed my SAVE app because they are trying to find a way to charge me a huge amount. Which they have done to tons of my friends. I am fed up. This should have been handled a long time ago and the federal government told me 4 weeks to process or maybe a bit longer. 3.5 months is insane. Nelnet is worse than XXXX because thry even had my NAME WRONG. Great Lakes had my loan and never messed anything up. my name is XXXX XXXX and they keep sending me letters as XXXX XXXX. I am reporting them to the Ombudsman as well as they are treating me, a XXXX  with a XXXX like a financial mark toget as much money as they can from me. They sent me a bill for XXXX which is my old amount before SAVE. they can't get my name right, refuse to process my application and are trying to XXXX me over. As a XXXX XXXX XXXX XXXX XXXX I am done with the gross incompetence of Nelnet, their stall tactics to find a way to charge me as much money as they can, and their gross incompetence. My name was XXXX with Great Lakes who they received ny loan from. I demand also that I am credited with payments towards public student loan forgiveness a XXXX XXXXXXXX as it is their fault they have not processed my SAVE application. I want the Biden Administrarion to know the absolutely disgusting behavior I have endured under Nelnet. I demand my SAVE application be processed immediately and that my payment of XXXX be sent to me for XXXX asap. 

Attached are proof of dates and correspondence. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was given a check to purchase my computer and software for the company I thought I was going to work XXXX XXXX but it turns out it was a fake job interview and a fake job offer. I was sent a check from XXXX XXXX XXXX XXXX XXXX. I asked my " hiring manager '' why is the check from a different company name, I was told they are affiliated and they facilitated the check to expedite things since they were in CA and not XXXX where supposedly that is where the main company is located and that they were expanding to the USA. I was informed to deposit the check which I did. I told them I needed to wait a day or two for the funds to be available, the next day XXXX XXXX  the hiring manager said she would work on getting the software from XXXX XXXX, she then asked me to transfer {$500.00} to XXXX XXXX XXXX XXXX since the XXXX : XXXX XXXX  didnt work. I finally sent the {$500.00} via XXXX XXXX, then XXXX asked for another {$1000.00} for the computer to be purchased for my job, the bank wouldnt allow me to do XXXX  again so she told me to send it through XXXX XXXX : XXXX, XXXX XXXX. I sent a total of XXXX XXXX payments to XXXX XXXX and {$500.00} to XXXX so a total of {$2500.00}. Since the bank would allow me to do another transaction the same day XXXX tried again today at that point the check from XXXX XXXX was returned and I was overdrawn. I tried getting my money back from XXXX and XXXX but they just ignored me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was notified my mortgage payment is increasing on XX/XX/XXXX. Currently I pay XXXX / month, they notified me it's going up to XXXX / month. This is a XXXX dollar difference per year- they claim my shortage is XXXX. They are billing me more than the shortage. 

Also my property taxes are capped in WA at 1 % assessed value rates for the year. My rates right now are 0.92 %, but even if that has increased my total max tax payment theoretically in XXXX is lower because my assessed property value has decreased. The max is 1 % of assessed XXXX- which would be XXXX per annum and chase is quoting XXXX. They are projecting my insurance premium goes up by XXXX dollars a month - my premium is constant for the last 3 years. Nothing adds up. They say I can not recalculate this broken analysis before 2 months, which is how long I have to pay the shortage to keep my payment the same. 

They also claim they notify escrow increase in XXXX on their website. No such early notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NJ

Complaint narrative:
I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-10 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: NJ

Complaint narrative:
I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2023-11-10 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: TN

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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