vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MS

Complaint narrative:
I am a victim of Equifax Data Breach. This information needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: KS

Complaint narrative:
I requested a refund request for payments made during the pandemic. My loan balance increased by approximately {$900.00}, reflecting the refund amount requested ; however, it's been over 1 year and I still have not received the refund from Edfinancial. I have contacted customer service many times since trying to get additional information and my refund. Most of the time the response is akin to " We'll look into this '' but I have yet to receive any actual useful response or information. I have verified they have my correct name and address several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
Identity theft report # XXXX lists the following fraudulent accounts I found on my Experian consumer report : XXXX XXXX  acc # XXXX, XXXX XXXX XXXX acc # 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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX Atte : Capital One Dispute XXXX XXXX Dear Transaction Dispute Department. 


I am writing a letter to dispute a charge that was made to my credit card Savor ending # XXXX by XXXX  XXXX XXXX XXXX car dealer, located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

On XXXX the XXXX I purchased an XXXX XXXX XXXX XXXX at the same location above and I met with Owner and/or Manager XXXX XXXX XXXX . 

I told XXXX that I was interested to purchase an XXXX XXXX XXXX that I saw in his car dealer web site for the price of {$270000.00} ( Please see XXXX Report enclose ) I put my old vehicle as dawn payment ( price owned in the XXXX XXXX XXXX was {$6800.00} ) XXXX XXXX XXXX gave me a price value for my XXXX XXXX XXXX - {$6800.00} = XXXX. 

I met with the financial Manager XXXX XXXX XXXX that he said that the price for the XXXX XXXX XXXX will be {$27000.00}. 
Plus, Taxes XXXX Government certificate. {$250.00} -Government Fee {$96.00}, = Total Amount of XXXX XXXX credits for my XXXX XXXX was XXXX. ( Please see contract. ) XXXX XXXX XXXX wants to charge me for my tag {$290.00} but, I stated that I was using my own and to do need for transfer. 


THE XXXX XXXX XXXX XXXX XXXX PROBIDED BY XXXX XXXX ON YOUR INBOX. 
WHERE IN THIS CONTRAT SAID THAT THE VEHICLE WAS {$31000.00} WITH XXXX XXXX DOWNPAYMENT. THAT IS INCOREECT. 
XXXX XXXX Finance manager XXXX XXXX overcharged me WITH hiding fees without disclosing anything XXXX XXXX. 
XXXX XXXX charged me with predelivery fees with an amount of {$980.00}. 
XXXX XXXX charged me with XXXX XXXX Destination and Handling {$990.00} in a used vehicle. 
XXXX XXXX charged me for inspecting the vehicle and adjusting with an amount of XXXX. 
On XX/XX/XXXX, I contacted the dealer to go over the contract and make some adjustment due to that the {$4000.00} was not adjust onto the original price for the vehicle {$26000.00}. 
On XX/XX/XXXX, I contacted XXXX XXXX more than twice ; he stated that he will made the adjustment. 
On XX/XX/XXXX, I contacted and Spoke with the XXXX XXXX owners and XXXX XXXX XXXX he said that he would investigate. 
On XXXX the XXXX, I contacted the dealer again and spoke with manager XXXX, he stated that the owner was not available and he was not aware of those charges. 
They charged me what? I almost got into a car accident due to one of my tires exploded. please see pictures. 
I met with XXXX XXXX XXXX and the XXXX XXXX services manager changed only two back tires not the front. Please see pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has a policy of approving transactions on expired cards if they are a subscription. this is Fraud as Amex is approving unauthorized charges from a merchant that doesnt have current account information ( I.e. incorrect expiration date, incorrect CVV ). In talking with their reps - we all agree I didnt authorize the charge and American Express assumed I wanted them to go through. I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
Recently Experian has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Experian permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Experian duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX until current day of XX/XX/XXXX I have not been able to make a payment to XXXX Serviced by Loancare. 

My mortgage payment of XXXX can not be processed due to the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX XXXX out of commission. Multiple calls to their toll free number at ( XXXX ) XXXX have given a recording that reps are are not able to access account information. In addition to no access to account information the chat bot for the site states the following " LoanCares systems are temporarily offline. Due to this, the servicing systems are currently unavailable and the customer service center is temporarily closed. We apologize for any frustration or inconvenience this may cause. We encourage you to try back another day. Thank you for your patience. '' We are needing to make out mortgage payment and also have delayed the closing on the sale of our home due to this. 

No contact, no email regarding a breach or estimated restoral of services, and I have gotten emails form this company to apply for a new mortgage loan.

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 2023-11-29 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: NJ

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-29 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: WV

Complaint narrative:
I recently started a XXXX XXXX XXXX XXXX XXXX, so I signed up for the Public Service Loan Forgiveness ( PSLF ) program. To do this, I was required to consolidate my loans and be placed on an income driven repayment plan ( IDR ). My loan servicer was changed to MOHELA. Ever since my loan servicer was changed to MOHELA, I have had nothing but issues including being told blatantly incorrect information that contradicts information on this website ( department of education ). First, MOHELA denied my IDR application with because " you do not qualify for the repayment plan you requested '' with no further explanation. When I called to ask about this, they also provided no explanation and forced me to verbally submit a new IDR application for the SAVE plan, instead of the PAYE plan I originally requested. Second, because I had to submit this new application, I was told my account would be placed in administrative forbearance until XXXX or XXXX of XXXX to allow them to process this new application AND that no payments would be due, no new interest would accrue, and these months would count towards PSLF. Well, that wasn't the case because a week later, I was notified that I had a payment due for XX/XX/XXXX. I called again and was told that I have a payment due because I am not on an IDR and that my original application was denied. I explained that I was told that I would be put in administrative forbearance, but the individual I spoke to told me that my interest would accrue and my payment would be due and that the payment would not count towards PSLF because I was not on an IDR. See the problem here? MOHELA is completely incompetent at handling my and many others student loans. Finally, I was told that for my account, they can place a new administrative forbearance until XXXX while they review my new IDR application. Who knows if my interest will accrue or these months will count towards PSLF? Their system is very unclear with communication and what exactly will count as eligible payments, interest, and PSLF. I will be filing a complaint with the consumer financial protection bureau, and contacting my representatives and senators as well. This is an outrageous company to be dealing with and causing me undue stress as I attempt to get PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.

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 2023-11-29 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-11-29 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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XX/XX/XXXX 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 2023-11-29 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: GA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2023-11-29 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: NJ

Complaint narrative:
Recently Equifax has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Equifax permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Equifax duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief