vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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:
I have contacted Equifax, XXXX, and XXXX XXXX XXXX on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that XXXX XXXX XXXX have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, XXXX XXXX XXXX is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-11 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX account number XXXX EQUIFAX : XXXX  XXXX account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Debt Collectors have been calling me frequently since late XXXX. My estimated debt is XXXX. Lately Ive been called right after XXXX am approximately 4-5 times a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX A Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-06-11 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: OH

Complaint narrative:
On XXXXXXXX XXXX2024 Mutual of Omaha reported an incorrect balance to the credit bureau 's. It was reported to XXXX also and I don't have time to wait for them to send me a copy in the mail then send to you bc it'll take 10 days.

Please do an out of cycle reporting and update this balance as soon as possible to ALL three bureau 's.

I will get my Attorneys involved if it's not corrected. Have no idea why you reported me owing more than I borrowed. You reported I owe {$120000.00} The correct balance is {$120000.00}.

I'm attaching copies of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I contacted MOHELA to discuss lowered monthly payments and they confirmed I would have a lowered monthly payment of around $ XXXX. However, they never actually instituted this new monthly payment delaying a " final '' decision for months. Now, they say I'm behind on payments and I can not even pay on their website. When I try to explore payment options, it just says they're moving me to a new loan servicer. I'm not getting my new monthly payment, I can't pay, and they say I'm behind on 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 2024-06-11 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: NJ

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding the unauthorized renewal of my XXXX XXXX policy. As a long-standing policyholder, I am disappointed by the recent decision to renew my policy without my consent. The reason provided for this renewal does not align with the terms outlined in my policy.

Key details about my complaint : Policy Details : Policyholder Name : XXXX XXXX Policy Number : XXXX Effective Date of Renewal : XX/XX/year> Issue : Unauthorized Renewal : XXXX XXXX renewed my policy without my knowledge or consent.

I did not receive any communication regarding this renewal.

The renewal decision contradicts the terms of my policy.

Request : I request an investigation into this matter.

I seek clarification on the basis for the unauthorized renewal.

I expect a resolution that aligns with the terms of my policy.

Supporting Documents : Enclosed, please find copies of relevant documents, including my current policy, State of New Jersey Temporary Evidence of Insurance and a copy of my NJ Driver License.

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

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 2024-06-11 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: AL

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.

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 2024-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX credit calls from Home Depot, XXXX XXXX, and Best buy.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
It is a XXXX acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from 2017 to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I made a dispute on a XXXXXXXX XXXX XXXX charge of {$350.00}. My account with XXXX XXXX XXXX was not active and they charged my account. Wells Fargo denied my dispute. They are caliming that they couldn't recover the money, but, that has nothing to do with me. I was charged for a service that was never provided and I used my debit card to protect myself. I want the Wells Fargo investigative report on the disputes I have made.

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 2024-06-11 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: MA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: MD

Complaint narrative:
Company sent a threatening email with my SSn in the subject line of the email. Company threaten to seize any account associated with my ssn, and threatened to send a team to collect my assets.

I was scared and forced into making a payment.

I contacted them and asked for proof they still have not provided any details pertaining to this debt. Copy of email sent on XX/XX/XXXX  at XXXX XXXX I am sending out a Quick Track Enforcement Team to your business and home address to gather an organized list of assets for liquidation. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time.

If no time is scheduled, they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account ( s ) as well as any account associated with your social security number as in XXXX XXXX, XXXX, XXXX, etc. If you wish to stop this process and place your account in good standing, communication is necessary.

IF CONTACT IS NOT MADE BY XXXX XXXX EST ALL ACTIONS WILL MOVE FORWARD. 

CALL TO RESOLVE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Rushmore ( the mortgage servicer ) reported a {$12000.00} reinstatement amount to XXXX  with a good-through date of XX/XX/XXXX. XXXX approved and paid that amount. XXXX also approved XXXX  months of forward mortgage payments from XXXX to XXXX. If those calculations were correct, I would not have had to start making monthly payments again until XX/XX/XXXX. 

Unfortunately, Rushmore is now saying that it made a mistake in its calculation and that the {$12000.00} only covered my account through the end of XX/XX/XXXX. Therefore, according to Rushmore, I have to make a payment on XX/XX/XXXX, as opposed to the date that I had expected ( XX/XX/XXXX ). This is an important distinction for me because I had multiple surgeries this year and am just getting back to work. The extra month is critical to allow me to get back on my feet and start making payments. 

XXXX  has already informed Rushmore that Rushmore can remedy its error. It simply needs to request a " shortage payment '' from XXXX. After receiving this request, XXXX would provide Rushmore with an additional monthly mortgage payment to be applied to my account.

But Rushmore has failed to make this simple request of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I have called many times to try and figure out why I am being charged for something I had already paid for

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 2024-06-11 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX  XXXX, account number XXXX XXXX : XXXX XXXX XXXXXXXX , account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-11 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-11 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"

Company response to consumer: Closed with non-monetary relief