vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Macys DSNB is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer 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 explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PLEASE REOPEN MY ACCOUNT. 
I NEVER CLOSED IT. 
EMAIL : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by CFPB, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 
I suspect that you would have no issues removing the aforementioned information in a timely fashion.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.

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 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
I am a victim of identity theft. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on accoun # XXXX and that you take all appropriate steps to remove information about this account from my credit files immediately. Your company has been notified on numerous occasions that the above referenced account is a result of Identity Theft as well your company has received multiple FTC Identity Theft reports referencing acct # XXXX.The Notices your company received also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

If your company, BEST EGG, fails to comply with federal regulations you will be required to appear in a court venue local to me, in order to formally defend yourself. I have already filed a complaint with the Consumer Finance Protection Bureau ( XXXX and the Attorney Generals office ( XXXX ). 
Failure to respond satisfactorily regarding this matter will force me to move forward with legal action against your company to the full extent of the law and I will sue for the maximum amount allowed in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Theft/Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XX/XX/XXXX, I reviewed my credit report through my checking account and saw that my credit score had decreased. After further review, I saw the company CRM al known as Credence Resource Management reported I had a past due balance for XXXX  without verifying whether the debt was actually mine. I reported this to the 3 credit bureaus, the identity theft department of the FTC and fraud department at XXXX XXXX XXXX XXXX XXXX XXXX removed the derogatory mark from my credit report in XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Credence Resource Management in response to my request to verify. The account is inaccurately linked to me. I never opened a XXXX account for service nor am I affiliated with the address ( in XXXX, Texas ) linked to the services installed that are past due. I am a victim of identity theft and as such I have opened another case with the FTC/XXXX. I also contacted AT & T again regarding this matter and I have fraud alerts from XXXX, XXXX and XXXX and credit freeze on my credit report. Credence Resource Management has not performed due diligence in verifying the debt is actually mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX, XXXXXX/XX/XXXX Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXXXXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Event : XXXX I had a mortgage company check my credit. They made a single " hard '' inquiry thru XXXX XXXX XXXX... .which was approved by me to do. My issue is that i have a membership with Experian online ... and i had a XXXX credit score before the inquiry ... and they dropped me XXXX points to a XXXX after the inquiry. Nothing else changed on my credit. I have 4 open accounts and am never late with payments. I called Experian twice and the reps said they agree ... ..a lot of points for a single inquiry ... .but they can not help ..because it is controlled by an algorithm they can not access or change. I was about to trade my car in... but this drop in score will adversely affect my interest rate now. 

Respectfully

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth in Lending ACT. CPS didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. 

I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Caddis Funding, LLC
State: FL

Complaint narrative:
This is my 3rd time filing a FCPB complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. 

I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point.

I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The previous lender was XXXX XXXX XXXX until XX/XX/XXXX. XXXX  XXXX XXXX transferred the loan to Mr. Cooper. Prior to the transfer XXXX  XXXX XXXX granted me a forbearance. On XX/XX/XXXX XXXX  XXXX XXXX sent documents that the mortgage loan is approved for a partial claim and to return the documents by XX/XX/XXXX. The forbearance is for the period of XX/XX/XXXX until XX/XX/XXXX in the amount of XXXX The forbearance was executed on XX/XX/XXXX and returned to XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX accepted this document and filed the subordinate mortgage note in XXXXe County Clerks Office on XX/XX/XXXX. The lien is for XXXX and is payable to the Secretary of Housing and Urban Development. Mr. Cooper will not honor the subordinate mortgage lien that was offered, accepted and filed by XXXX XXXX XXXXXXXX and HUD. They continue to say I owe them XXXX Mr. Cooper has been provided with a copy of the subordinate mortgage note and proof of filing but won't honor it. On XX/XX/XXXX, Mr. Cooper sent me a letter that said " Per the XX/XX/XXXX call notes, you refused to pay the funds needed to book the modification, stating that you did not owe the post modification payments. As a result, the modification offer was rejected. The Partial Claim was not booked so there is not a second lien owed to Housing of Urban Development ( HUD ). The account is currently due for the full reinstatement amount. The amount to reinstate the loan is {$11000.00} ''. There is a lien filed and it is owed to HUD. Mr. Cooper representatives called me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanded that I make a payment of XXXX over the phone without any documentation. They would not accept any other form of payment. They stated that was the amount owed for the months of XXXX and XXXX. And I agreed to cooperate in completing the loan modification and if I did not cooperate that modification would be denied. Mr. Cooper has never provided me with any such documentation. In addition, pursuant to RESPA I have sent two " Qualified Written Requests '' to Mr. Cooper one on XX/XX/XXXX asking for the document they refer to as an agreement I signed that says I am required to make two mortgage payments over the phone in order for the modification to be approved. And another on XX/XX/XXXX disputing the " Escrow Review Statement '' where Mr. Cooper is claiming there is an escrow shortage. To date neither of the " QWR 's '' have been acknowledged or answered. My house is under contract and is ready to close. I am unable to sell my property because Mr. Cooper Fraudulently claims they are owed XXXX In additionally the payoff letter is also incorrect. The payoff letter is from XX/XX/XXXX thru the present. The subordinate mortgage lien covered the period from XXXX. Mr. Cooper is also wrongfully claiming escrow advances of {$4100.00}. The only payment made by Mr. Cooper for escrow is a tax payment of {$1200.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I got a copy of my credit report and discovered that National Credit Systems had put a collection on my credit report.

Company response to consumer: Closed with explanation