vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
These are unauthorized inquiries ; I received alert when I woke up I noticed that this inquiries was added to my account approx at XXXX. I would like this XXXX deleted as I stated before theyre unauthorized XXXX  ( XXXX ) both dates XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Collection put on credit report listing XXXX. XXXX has no record of bill. I do not use XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I'm a victim of crypto defi wallet scam. A lady friend on XXXX XXXX XXXX introduced me this URL XXXX which is a fake flatform because First they asked me to pay {$34000.00} for the profit tax and 2nd They asked me to pay {$95000.00} for the identity verification before I can withdraw my money and after I've paid that amount they asked me again to pay {$70000.00} for the manual verification. 

On XX/XX/year> another incident happened, an online web site XXXX is offering for funds recovery but it's also a scam. Their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I paid off the remaining balance on my student loan. When I made the payment on XX/XX/XXXX, I overpaid my student loan by ~ {$190.00}. 

I have contacted Nelnet ( the federal student loan servicer ) to inquire about receiving my refund. Nelnet confirmed that I overpaid, however, they are unable to give me any information about when I will be sent my refund. It is now almost 60 days past the original overpayment. I have called Nelnet repeatedly, but no one on their end can provide an accurate answer as to when I will receive my funds. 

As of the week of XX/XX/XXXX, I received a {$9.00} refund from Nelnet. I am still short {$180.00}, and trying every means possible to resolve the issue. As the servicer for the US Government 's student loan program, Nelnet is not providing the customer service commensurate with the responsibility that the federal government has granted them as the loan servicer for the student loan program. If the tables were reversed, I would be charged late fees and incur penalties for not making payments on time. However, when I have effectively lent the US Government 's student loan servicer {$180.00}, I will receive no interest or recompense. As a concerned US citizen, I urge you to make amends and help me receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
Dear CFPB, I am writing to lodge a formal complaint against One Main Financial regarding their use of caller ID spoofing tactics in their debt collection practices. The calls I have been receiving are masked to appear as if they are coming from my boyfriend 's work cell number, a known contact in my phone. This has persisted even after blocking the number and deleting the contact. 

Such deceptive actions violate consumer protection laws and have caused significant harassment and distress. I believe this conduct is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and take appropriate measures to address this illegal activity. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
According to 15 USC 1681b The law states that You have to give them written consent to furnish your information and or obtain your information to be reported on your credit report. Well I have not given them any type of permission.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
i recently reviewed a copy of my consumer report and noticed LVNV Funding LLC has committed identity theft and gained access to my credit profile without my permission. LVNV Funding LLC is attempting to collect a debt that was a result of identity theft, This Debt was attached to a XXXX XXXXXXXX card that i did not open. XXXX  XXXX sent me a letter on XX/XX/year> saying that account would be removed. I have attached that document for immediately deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-06-26 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to bring to your urgent attention a series of distressing events involving a joint account held by my son and me at Citibank. The details are as follows : We received an email notification from Citibank stating that a check for {$1000.00} was deposited into our joint account. However, neither my son nor I deposited this check.

Upon receiving the notice, we immediately contacted Citibank to report that we did not make this deposit. We were advised that the funds would not be released.

Following this, several other transactions occurred back-to-back, including additional deposits and withdrawals.

My son began receiving threatening text messages from an unknown individual, who claimed they would harm him and our family if they did not receive the money. 
XXXX XXXX XXXX XXXX XXXX was alone in XXXX XXXX at the time, and the situation caused him extreme distress. The person sending the messages claimed to be tracking his movements via his phone. 
Subsequently, the individual was able to deposit over {$4000.00} and withdraw {$2000.00} from his savings account.

We advised Citibank that these transactions were fraudulent and requested that the funds not be released. Despite our warnings, the fraudulent activities continued, including deposits of fake checks and transfers via XXXX and XXXX XXXX. 
Given these alarming circumstances, I request an immediate and thorough investigation into the fraudulent activities on our account. Additionally, I urge Citibank to take all necessary measures to ensure the security of our funds and personal information.

This situation has caused significant emotional and financial distress, especially considering my son 's condition and his vulnerability during the time he was alone. I trust that Citibank will handle this matter with the urgency and seriousness it deserves.

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue at your earliest convenience.

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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
SPS says I signed paperwork saying that they was modifying my loan and changed it too a balloon, I been in my house over 17 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: MD

Complaint narrative:
In 2016, I obtained a loan from Lendmark Financial for {$8300.00}. Despite making numerous payments totaling {$23000.00}, my balance remains at XXXX due to some payments being late. As a single mother working as a waitress, I have faced financial challenges, including losing one of my jobs due to inflation. I have continued to make payments out of concern for my credit score, but Lendmark Financial has reported my account as deliquent and their daily calls to my workplace have become harassing. I believe Lendmark Financials practices are unethical and unfairly target vulnerable individuals like myself. I am seeking assistance in resolving this issue and ensuring that companies like Lendmark Financial are held accountable for their actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yes Online Inc
State: TX

Complaint narrative:
Awhile back I made a dispute for Dynamic Legal Recovery dab of XXXX XXXX. 
I gave them the supporting documentation to prove my case and that the information reported is incorrect. How can I have this issued resolved and my record cleared. How can I have this issued resolved and my record cleared because it continues to hinder my future employment with the Federal Government. I transitioned out of the XXXX back in XXXX  from XXXX and currently reside in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: CA

Complaint narrative:
During the year 2019 after my mother died, my car was broken into and my information was stolen out of my car. With so much going on I did not think that this would happen to me but I did in fact file a police report and report this to the insurance. Now we are a couple of years later after getting denied several times I checked my credit report to see why am I getting denied for EVERYTHING. Once I ran the report I saw that this car was on my credit report and also a charge from XXXX was on my account as well. This have been on of the most devastating times of my life and I can not do anything with my credit because of this repossession and this is not something that I would have allowed to happen. I hope that you can help me with removing this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief