vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted by Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, US Dept of Education with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$1200.00}, XXXX XXXX with a balance of {$2000.00}, XXXX XXXX with a balance of {$3700.00}, XXXX XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$3400.00}, XXXX XXXX with a balance of {$1900.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX XXXX with a balance of {$7100.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXXXXXX Hard inquiry from XXXX XXXX requested on XX/XX/XXXXXXXX Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX  requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry from XXXX Insurance requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX  via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXXXXXX

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$58000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX i requested my Early warning report through the online portal. i then called the company a few days later and was told that my identity was verified and my report was being processed. 

On XX/XX/XXXX i began to to worry because i haven't received anything. i called again and was told that due to sensitive information my report could not be emailed to me, so it was sent through the mail. 

It is now the XXXX and i have not received my report! i called today for an update and he customer service agent i spoke to was very rude to me and told me that it does not matter how much i complained about report. its not nothing he will do and i will have to wait. 

not my report is lost and somebody has my " sensitive information '' Early warning needs to be held accountable for this and i will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed in my credit report associate

d with fraudulent activity resulting from the Equifax data breach. As a victim of identity theft, I am invoking my rights under 15 U.S. Code 1681c-2 ( a ), which mandates the blocking of any information resulting from identity theft upon my request. Please block and delete the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please find attached any relevant documentation, including my identity theft report, to substantiate this request. I expect that, in accordance with federal law, all accounts and information associated with this identity theft incident will be permanently removed from my credit report. 

Thank you for your attention to this matter. Please confirm in writing once the accounts have been blocked and deleted. If you require further information to process my request, do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CashRepublic Holdings, Inc.
State: KY

Complaint narrative:
Omni financial personal loans is contacting my wife and daughter in attempt to collect a debt thats solely mine. The current debt I have with them is being managed by XXXX which is working on a settlement so I can settle my debt. I have no idea how they got my spouse number and my daughters number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : XXXX. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
XXXX. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$170.00} XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$24.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TN

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 2024-11-13 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.
State: VA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter from CMRE Financial Services , Inc., with the information on debt collection. 

XX/XX/year> - I sent a letter requesting information on the debt, as certified mail. # XXXX XX/XX/year> @ XXXX PST - I called CMRE Financial Services , Inc. to inform them that I had sent the letter, gave them the certified mail number, and asked them to stop attempting to collect the debt until I receive their written response. They confirmed that they would cease contacting me. 

XX/XX/year> - The letter was delivered to CMRE Financial Services , Inc. by XXXX, at the address they provided. 

XX/XX/year> @ XXXX PST - CMRE Financial Services , Inc. called and left a voice mail, attempting to collect the debt. 

XX/XX/year> @ XXXX PST - CMRE Financial Services , Inc. called to attempt to collect the debt. I informed them that I had sent a request for documentation, in certified mail, and have not received a response back. The operator told me that they had not received a letter. I told him they were calling me illegal and to not attempt debt collection until I receive a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom it May Concern, I am fling a formal complaint against Midland Credit Managment inc for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( XXXX ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Midland credit management continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16315-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate. 
Midland credit management is not complying with these legal obligations. 
Given these viclations and the harm this inaccurate reporting has caused to my credit, I request the following : 2. Stautory damages in the amount of XXXX midland credit management inc Statutory damages in the amount of {$5000.00} for midland credit management incs failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 
I expect Midland credit management incs to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: NY

Complaint narrative:
Capital Management Service is a debt collection agency that purchased a supposed debt they claim I owed to XXXX  XXXX XXXX and in the recent weeks have called my personal phone over 10 times ( sometimes twice a day ) without leaving any voicemail explanation.

The frequency and times of these phone calls are highly disruptive and have caused distress in my job performance. After asking the agent to remove my number from the call list she continued to ask for more information to verify my home address.

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 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I initially filed a refund request some time ago ( I believe it was XXXX ) in the amount of about {$1100.00}. I was told, at the time, that this would be processed in 90 days. That timeframe elapsed and, when I called, I spoke to an individual that had shared they " see it on their end '', but that they would " elevate '' the status and that I should expect to have it automatically deposited within 5-7 business days. That time also elapsed. I had called and went through MOHELA 's phone line and selected to speak with someone about " refund requests ''. This takes 60 minutes to get to an individual. After securing my information, THEN they share that my question needs to be addressed to a different representative and that I would need to be transferred. Instead of a direct line, I have to rejoin the queue and wait for 70 minutes for a call back. I join the call back list, wait 90 minutes, and call MOHELA back. I then get put on another call back list for 62 minutes. Once I receive that callback and share the situation to the person from MOHELA, they share that they need to transfer me to the same exact department because they can not answer my question themselves and I need to get ahold of a " senior representative ''. This requires me to rejoin another queue ( the same one before ) and now the time is 137 minutes.

MOHELA is being disingenuous with its o

penness and transparency by consistently breaching its own processing time, moving the " goal post '' of refund requests, setting up phone line options that do not lead to individuals that can address questions, not providing the direct phone line option for senior representatives which forces callers to have to unnecessarily go through extended wait times to get specific questions answered, and then places you through multiple transfers and multiple call back phone queues to the point that you have to attempt, again, on the next day and go through this process once more.

In my experience, it has been close to 5 months now of waiting for a refund request and being told incorrect and inaccurate information regarding processing times. I am contacting every agency I can to lodge complains at the mishandling by MOHELA and the incompetence in how they handle the loans they service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX  ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiries not authorized by me have appeared on my credit report, violating 15 USC 1681b ( c ) ( 2 ) and lowering my credit score. Please remove these immediately.

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