vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: OK

Complaint narrative:
My information was misused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction.

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, 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 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NH

Complaint narrative:
A telephone conversation with a representative of Ed Financial Services was made by me at XXXX to ( XXXX ) XXXX explaining that I received PSLF forgiveness after my accounts had been transferred to XXXX XXXX but that my credit report still showed active accounts with Ed Financial to the sum of $ XXXX. When I provided my information ( SS.number ) they had no record of any debt. 

In speaking to XXXX, the PSLF servicer, I was told that Ed Financial had not reported the loans closed in turning them over to XXXX and the recorded debt remains. I asked to speak to supervisor and was refused. I was told to contact the 3 credit bureaus and dispute the records there. I was told that a " ticket '' would be issued on the account if information surfaced. I asked for a reference number and was told there wouldn't be one. 
I asked if I would be contacted in the event an error was found and told, " I might be '' Only my name was asked. I was not asked for any other contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Kikoff Inc.
State: GA

Complaint narrative:
RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : KIKOFF LENDING LLC- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

KIKOFF LENDING LLC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VP of XXXX XXXX XXXX XXXX contacted me with an unsolicited email wanting to engage to offering to adjust my mortgage rate that was just taken out with XXXX XXXX and after mortgage close was sold to XXXX Bank. I asked him to call me to provide information as to how a reduction in my rate was possible through XXXX XXXX when my Mortgage was no longer with XXXX XXXX. I was asked to " authorize him to review my XXXX XXXX Account '' before he could provide further information. Prior to providing information he did a " Hard pull on my credit report '' WITHOUT MY AUTHORIZATION. 

The tactics of XXXX XXXX were very suspect from the initial contact, the tact that was taken was very to be very " Slick '' in convincing a consumer that they were offering a no cost solution to adjust mortgage rate since mortgage was less than 3 months old which I already knew was a complete lie and he was attempting to have my mortgage refinanced as a new mortgage with XXXX XXXX which I had no interest in doing. 

At no time did I engage to start a process in a refinance of my existing mortgage and yet he did a hard pull on my credit without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
On XX/XX/2023 I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
Dpt EdXXXX knowingly, will fully and fraudulently withheld pertinent information to suite there own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX XXXX a living breathing woman hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported.

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 2023-12-26 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:
Im begging you please remove this to the 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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP
State: CT

Complaint narrative:
They continue to call, don't say a word and hang up. Multiple times a week from different numbers. They've called while in bankruptcy after repeatedly telling them to stop. They've called today XXXX times XX/XX/2024. They specifically timed a certified law suit threat to come to me on XXXXXXXX XXXX  this year expected me to sign for it thinking it was a gift. Again and again they harrass, I tell them to stop because they are in violation of the Fair debt collection practices act and they ignore it and call from another number. I've blocked XXXX different numbers just this year from them because they continue to harrass. They continue to try to get verification on my name, which I refuse to give.

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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received demand letters from " Fair Collections & Outsourcing, XXXX XXXX XXXX. XXXX, XXXX XXXX MD XXXX '' demanding and attempting to collect a debt to my name for the amount of {$1600.00}. I informed them in writing that this is erroneous and it is not mine. 
While overseas last year ( XXXX ), I had my phone in which I had stored all my personal information, including bank accounts, XXXX. accounts with passwords, compromised and thousands of dollars worth of charges were made by foreign entities, primarily from XXXX. I was not successful in conveying all that occurred with the above captioned entity and I began communicating with XXXX. I explained verbally the whole situation and I was assured they would earnestly try to help me. Today, XX/XX/XXXX I received a form letter by XXXX, informing me that the " debt '' remains on my record and advising to speak directly with FAIR COLLECTIONS and OUTSOURCING. My credit record, in the mean time, has gone from Exceptional to Fair. I do not know what these {$1600.00} are for and I am seeking your assistance in restoring me good name and credit.

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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
For the last couple of months dating back to at least XX/XX/2023 I have been getting REPEATED phone calls for a woman who does not live in my household. The man is extremely rude, has yelled at my wife and calls constantly. I have told him countless times that the woman he is looking for is not at this number and to STOP calling me. He still keeps continuing to call and harass me about this woman. I have never used this company or requested any information from them and no one in my home has either. The most recent phone call was today XX/XX/2023 at XXXX where my wife got on the phone with him to tell him that we would get our attorney involved if he kept calling us. He then proceeded to yell at my wife telling us that we should just keep blocking his phone number then. We looked up the phone number and it belongs to a company called Tower Loans located in XXXX, IL.

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 2023-12-26 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:
On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been XXXX for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.

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 2023-12-26 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been homeless for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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 2023-12-27 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: FL

Complaint narrative:
After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXXXXXX 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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
Since XX/XX/2023 fradulent charges have been made against my checking account on a monthly basis. I do not recognize, or have any relationship with, the company described on these charges. I tried calling the number provided on the transaction only to find it is a fraudulent operation as they attempt to get personal information, refuse to identify who they are, and hang up when questioned. Here is the information provided on the transactions : XXXX  XXXX XXXX Location : XXXX XXXX XXXXXXXX Having no other recourse I repeatedly contacted my bank ( on or about XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to dispute the charges and stop payment on any future transactions from the company. Each time I called the bank i was given credit for the charges and assured that future charges would be stopped. However, the recurring charges continue ( most recently on XX/XX/2023 ). Here is my bank information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I called today and am being told that they can not stop payment on future transactions by this company. It seems my only option is to go through the difficult process of closing my account and opening a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: GA

Complaint narrative:
Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you

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 2023-12-26 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: GA

Complaint narrative:
Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you

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 2023-12-26 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage account, which was originally with XXXX XXXX XXXX and has now been transferred to NewRez. I have noticed a significant discrepancy in my escrow account that has left me puzzled and dissatisfied with NewRez 's handling of the situation.

Initially, with XXXX XXXX XXXX, my escrow amount was approximately {$660.00}. However, upon reviewing the documents provided by NewRez, I discovered a XXXX document that indicated an escrow amount of around {$660.00} for upcoming months. To my surprise, when I proceeded to make my mortgage payment, the system displayed a much higher amount, approximately {$760.00}. 

In an attempt to seek clarification and resolution, I reached out to NewRez through their online messaging portal. Unfortunately, the response I received from the agent was far from satisfactory. The agent stated, " I can not find the other analysis that changed the payment, '' which left me feeling both frustrated and confused. 

I then questioned the agent about NewRez 's responsibility for providing timely information about any increases in my monthly payment. Regrettably, the agent 's response was disheartening as well. They informed me that the escrow analysis had been conducted by my prior servicer and was sent to me by them. NewRez is not responsible for you not having received that from your prior servicer.

In an attempt to escalate my concerns, I utilized the " Contact Us '' option on the NewRez portal and submitted my question. However, it has been more than five days, and I have not received any response from them.

In a final attempt to gain clarity, I called NewRez today to inquire about the increased payment amount. Unfortunately, the information provided was limited. The representative I spoke to indicated that the escrow details were inherited from XXXX XXXX XXXX and increased to {$760.00}, but they could not provide any specific details or explanations. Additionally, I was informed that it could take up to 60 days to recalculate the escrow, leaving me in the dark about the reasons behind this increase.

My escrow account primarily covers insurance and property taxes, which, when divided monthly, should amount to approximately {$660.00}, based on the details I have from my insurance and property tax records. I remain perplexed as to why NewRez has increased my monthly payment without providing a clear and satisfactory explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation