vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I just recently Looked at My Credit Report and XXXX XXXX XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I also attached evidence XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiry has no permission purpose to be on my credit report. Delete this inquiry due to Violation of 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am enrolled in the SAVE program. I understand due to the ongoing court cases, individuals enrolled in SAVE have been put into forbearance. I have tried to log into my account so I can make payments and avoid interest accruing, but the system will not let me log in. Wait times on the phone are over an hour, and when I requested help via email, I received information back, but the information did not address my specific issue. I have now started accruing interest that I tried to avoid and I have one more year left before I should qualify for the public service loan forgiveness program. I just want to maintain my good standing and be able to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took my dog to the vet and made a payment on my card for {$530.00}. Long story short I did not receive the service that I paid for. I went to dispute the charge but they tell me I cant dispute it because they cant dispute a charge for misdiagnosis. I repetitively told them its not for misdiagnosis, its because i did not get the services i paid for. Ive set multiple emails and called multiple times with nor resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Subject : Cease and Desist Demand To Whom It May Concern at AmSher Collections, I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with XXXX, account number ending in XXXX. This demand is based on significant legal grounds and discrepancies in your claim. 

1. **Incorrect Address : ** The address listed in your correspondence is not one with which I have any association. I have never resided at or been affiliated with that address in any capacity. 

2. **Inaccurate Debt Reporting : ** According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), you are obligated to ensure the accuracy of reported information. The alleged debt amount has discrepancies. I contacted XXXX and was informed that any device in question is to be shipped immediately. Furthermore, the amount claimed has been disputed, is not as was stated as {$1800.00}, as your notice states. 

3. **Fraud Investigation : ** A fraud investigation has been initiated due to the alleged application process demonstrating characteristics of an adhesive contract, constituting a breach of the Truth in Lending Act ( TILA ). I have alerted XXXX to these concerns directly. 

XXXX. **Unauthorized Collection & FCRA/FDCPA Protections : ** As per 15 USC 1681b ( 2 ) and the Fair Debt Collection Practices Act, I do not authorize or enter into any agreement for collection of this alleged debt. Your current actions may violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

5. **Licensing Violations : ** It has come to my attention that you are not licensed to operate or collect debts in either the state where I currently reside or any states where I have resided. This constitutes a further violation of legal standards governing debt collection practices. 

Given these circumstances, you must immediately cease and desist any further attempts to collect this alleged debt until these issues are resolved and validated to adhere to federal and state legal standards. 

Further contact must only occur if it involves documented proof of validation of this alleged debt, and any errors or fraudulent activity must be rectified before any attempt to collect is initiated. 

Failure to comply with this cease and desist demand will leave me with no alternative but to consider all legal remedies available, including reporting to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
I contacted XXXX as well as representatives from these companies, but they are not providing any assistance. The law ( 15 USC 1681b ) that applies in this situation has been ignored. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX my credit on XXXX XXXX. XXXX Access my credit on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear sir or madam I just reviewed my credit report and Ive noticed theres some hard inquiries on my report which Ive never authorized neither given any permission to any company to use my information without my knowledge. Ive also submitted an Identity theft report with the FTC and here is the FTC report # XXXX there is no permissible reason or purpose that these companies are reporting my information according to [ 15 U.S.C. Ss 1681b ] here are the companies XXXX XXXX XXXX  and the other inquiry is XXXX. I am contacting your company to have these companies inquiries delete from my credit report and I would like to initiate a block of information according to [ 15 U.S.C Ss 1681c-2 ] effective immediately as these companies are prohibited me from taking care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not wish to have these multinational companies just take advantage of me. Thank you for your time, support and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PENNYMAC has been taking {$2100.00} from my account and the sending me a refund check ten days later. Every month. 
I have called them to correct this and they swore that it would stop. 
When they remove my money. It leaves me broke every month. 
I now own my home and have no mortgage. 
Please make them stop removing money from my Loan # XXXX i moved and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: LA

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 nephew, who's XXXX  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 2 out of 3 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Dear RADIUS GLOBAL SOLUTION, I am writing to formally request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I am exercising that right. Please provide the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A copy of the original signed agreement or contract that created the debt ( if applicable ). A detailed breakdown of how the debt amount was calculated, including any fees, interest, or other charges. Proof of your authority to collect this debt ( if you are a third-party collection agency ). Please note that you are required to provide this information within 30 days from the receipt of this letter. During this period, any further collection activity must cease until the debt has been properly validated. If you fail to provide the requested documentation or if this debt is found to be inaccurate or unverifiable, I expect the debt to be marked as " disputed '' and removed from my credit report. Please send the requested information to the address listed above. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to file a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report.

To facilitate Experians verification process, I included a copy of my photo ID, Social Security card, and a recent bill with my current address. 
I received a response from Experian dated XX/XX/year> stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation upon receiving a consumer 's dispute regarding the accuracy or completeness of any information in their credit file. Experians refusal to investigate my dispute constitutes a clear violation of these legal obligations.

I am providing a copy of my original dispute letter, proof of delivery via USPS certified mail, and Experians response as evidence to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Mass. Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I am wrongly being charged an amount of {$710.00} for a account that was in my name seven years ago that was supposed to be canceled and the authorized user without my knowledge kept it open changed the billing address to their address and their number is the only phone number on the account. The only thing on this account is my name and my social, and they racked up debt for nonpayment, the Cell phone company sent this to collections and they are coming For me to pay this persons debt that on the account shows that it is their phone number and their address, and they fraudulently used my name over the phone without my knowledge, though they were an authorized user on the account this account was supposed to be closed In XX/XX/XXXX this person did not cancel out their line and kept it open for seven years and I just recently on XX/XX/XXXX of XXXX noticed a charge on my account. I did not get any notifications that I owed this company money nor did I get any information that went to a collections agency for me to prevent it hitting my credit This should be sent to the person responsible that was on the account using it at their address. I have documentations showing that I have never lived at that address and I have never had XXXX  since XXXX Or any lines associated that I was actively using at this company this was all under the authorized use, her phone number and her address and her email. she fraudulently used my name and my social. I spoke with the phone company and they said that they would send me documentations thru email and they never have also they said that they can not help me any further, even though they know that her line and her address are on this account. They are still going off the fact of their policy, which she was an authorized user, the address on the account was XXXX XXXX XXXX in XXXX Ohio. I have attached documents showing that I have never lived there and my address for XXXX and XXXX and XXXX to show I lived over an hour from that address on file of this debt. Regardless or the t mobile policy I should not have to pay a debt I had no knowledge of or had no notification of having to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a call and I was inquiring about the debt and the DOB and street information they presented me was incorrect. So they would not tell me anything else about the debt they say I owed. I asked them to send me the contact with a wet signature and they apologized and said they had the wrong person. A manager or so he said apologized. It was real scratchy. Im concerned

Company response to consumer: Closed with explanation