vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Open Date : XXXX, Amount : XXXX Account Number : XXXX Payment Status : Charge-Off / PAID CHARGE-OFF I am requesting the 1099 form from XXXX XXXX XXXX XXXX  and I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( 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 could fax, mail, or email in fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) and a copy of the 1099 form from the account listed above. Under the FCRA, unverified accounts must be removed. 

Promptly DELETE all information if you are unable to provide me a copy of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 non-monetary relief
Consumer complaint received 2023-10-29 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: FL

Complaint narrative:
This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The decrease of XXXX points on my credit report is a very poor evaluation of my credit performance and incorrect. Immediately, this needs investigation and my report should be restored. Thank you in advance for your attention into 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2023 I got emails from XXXX about new derogatory mark on my credit report. 
As it turned out that was collection account opened by Credence Resource Management LLC on total {$110.00} pointed as past due XX/XX/2023. 
I have never got any letters ( debt verification one ) from Credence Resource Management LLC related to this debt. I don't know information about that debt, who original creditor is. 
Moreover, as XXXX  XXXX resident I didn't get any notices that some original creditor sold the debt to third party ( collector ). 
This unlawful actions from Credence Resource management LLC breach my right to dispute the debt ( if it exist ) and damage my credit report which in turn gets worse my financial stability.

I don't exclude that Credence Resource Management LLC use false and fake information as fraud tool to made me pay off non existing financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Send me a copy of any subpoenas or any summons that was sent to any company in association with this case in addition send me a copy of the subpoena or summons that was filed in or around XXXXXX/XX/2021 send me a copy of any and all correspondence you received from XXXX XXXX or any other attorney in reference to this mortgage This is a cease and desist order stop sending my personal information my responses or any other information to anyone who claims to be my attorney they do not have my authority to do so and I want a copy of what they sent you instructing you to forward my information to them versus me the homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: FL

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. 

XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
If this is a duplicate inquiry that means you never sent me a hard copy by XXXX Postal Service of your response as requested in XXXX of XXXX  you sent a cashier 's check payable to XXXX XXXX for {$2200.00} Did the pay on that check instruct you to place a stop payment on it yes or no Send a copy of the letter notice message you received from XXXX XXXX or any other person telling you to stop payment on his check for {$2200.00} send a copy front and back of the check showing that XXXX XXXX or any other individual negotiated that check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: TX

Complaint narrative:
XXXX XXXX I disputed XXXX XXXX for account not belonging to me. Account was not taken off credit profile.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Send me inquiries on this mortgage including but not limited too subpoenas or summons you received from any individuals or law firms between XX/XX/2015 and present In addition send copies of any summons and subpoenas or inquiries you initiated to any law firm or individual Including but not limited to homeowners insurance, flood insurance carriers or the tax collector in XXXX XXXX or any other location

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I originally submitted a trip delay insurance reimbursement request to my Chase United Visa Credit card at the end of XXXX for a trip delay for my family of 4 to XXXX at the end of XXXX ( before 60 days ) when we were stranded in XXXX instead. We had to purchase two hotel rooms in XXXX, couldn't cancel our hotel in XXXX, purchase food in XXXX for the day that we were there, and then had to purchase four train tickets the next morning to XXXX because there were no available flights. This was during the XXXX XXXX XXXX XXXX XXXX. 

Our credit card, which was used to purchase all four tickets, has trip delay insurance coverage, which I read all the details about, and we are entitled to reimbursement for our four travelers for a total of {$1300.00}. 

I have provided mountains of documentation, including all receipts for all expenses and proof of purchase via credit card statements. 

The credit card insurance provider, for 2+ months now, keeps waiting 1-2 weeks each time something is submitted, and then they ask for another document each time stating something that was previously not requested has not been provided. This has happened for at least four iterations In the last one, they asked for a document that I already provided. 

It has become clear that they are purposely delaying and making it as difficult as possible in the hope that I will give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet Employees ( Men and/or Women ) It is against the law for employees to abuse securities instruments and misuse entrusted property to create fictitious debts, sold those debts to other companies only to come back stating that the Grantor and Sole beneficiary of the estate owes that company who bought the debt. 

Employees do not have a written agreement signed by myself where every alive and living in the creation of God Almighty Creator were present. Employed at Nelnet werent given written consent or authorization by me to report, false and inaccurate information to consumer reporting agencies so they can profit from doing so. I have the proof that the information is inaccurate and is not true, otherwise these employees must admit or deny whats listed in this audit. 

Payments for the accounts, the terms and whether or not the account is current : Credit Reports are made up reports containing security backed instruments that are sold for profit and gain. 

Non of the payments amounts are the same and does not add up. Employee at consumer reporting agencies are stating that the payments are paid up as so called agreed but theres still debts listed with terms of 300 months for {$0.00} a month. This would proof of having 300 months for these employees to benefit off my sweat equity while I suffer financially and are literally being plundered as well as stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

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 XXXXXXXX, has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: FL

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. 

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 XXXXXXXX, has violated my rights. 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My family has received endless marketing emails from Experian after signing up to freeze our credit reports. I have no way of unsubscribing through an email link or from my account when logging in. I want them to stop sending me spam emails disguised as credit alerts that I need to them pay for. The latest marketing email I received was XX/XX/2023, & the companys automated email accounts do nothing when replying to unsubscribe. More needs to be done to reign in these overstepping credit companies. They are just too morally faulty to operate independently as they are.

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 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
Prior to the creation of the new SAVE repayment plan, my loans were on the PAYE income-driven repayment plan. I saw the alert that I should apply for my loans to be switched to the new SAVE plan so I went through the process on the website of my servicer, Mohela. It directed me to apply for SAVE through my account on XXXX. I did so and the status on XXXX correctly stated that I had applied for SAVE. However, I just received a message today from Mohela that states my loans have all been switched over to the Level ( standard ) repayment plan and that I owe over {$1600.00} a month, after previously owing {$0.00}. I looked online for answers and it appears many other borrowers are experiencing the same issue with Mohela and no one has found any resolution with them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation