vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
I am writing to formally request that the unauthorized credit inquiries listed below be blocked and deleted from my credit report. My personal information was compromised due to a data breach, and these inquiries were made without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block these unauthorized inquiries from my credit file and remove them entirely. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute a recent late payment action that has been reported on my account and reflected on my credit report. There has been an error, and I would like to thoroughly review my account to fix this situation. 

Date of Late Payment : XX/XX/XXXX Reference : Extension Tax Assessed {$57.00} Date of last contact XXXX XXXX XX/XX/XXXX I have been a diligent and responsible customer of XXXX for over three years. Throughout this time, I have consistently maintained timely payments on my account. However, it has recently come to my attention that a late fee has been recorded on my account and subsequently reported to the credit bureaus.

Upon thorough review of my records, I am confident that there has been no legitimate reason for a late payment to have occurred. I have not received any prior notices or communication indicating any outstanding payments or issues with my account ; my account was on autopay for over 3 years, and I never missed one payment. Even when speaking to XXXX representatives over the phone and applying for a lease extension, I was not notified that the extra tax charge on the lease needed to be paid separately. Furthermore, I have diligently maintained a record of timely payments, as my account was on autopay for the entirety of my association with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC # : XXXX Dear Experian Credit Bureau , My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with Experian, fraudulent accounts remain on my report, contributing to a significant decline in my credit score, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

Fraudulent Accounts to be Removed : 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 XXXXXX/XX/XXXX It is your legal obligation to correct these inaccuracies. Case law such as XXXX v. Experian Information Solutions , Inc. and XXXX v. Experian affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. Experians failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I want Barclays Bank Delaware, EIN XXXX, to remove charge off from all 3 of my consumer credit reports or I will seek monetary damages as a federally protected consumer. This is a debt that is not mine, that Ive been trying for years to get removed.

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: MA

Complaint narrative:
I try to get help for unpaid XXXX account which was send to collection agency and For more than XXXX  year no able to renew my license because this. I lost house job I went for leg XXXX and I need my car be able to drive and get my drive license back again this take my way to live and I cant live like this anymore over charge me.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of unfair debt collection practices. The company RESURGENT/LVNV FUNDING is knowingly furnishing false and misleading account information in my name to XXXX XXXX XXXX XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After more than XXXX years, in XXXX of this year, XXXX, a bill payment company, denied me access to their XXXX XXXX. XXXX was the agent of Pentagon Federal Credit Union. XXXX first said that the reason for the denial was that I had a prior XXXX  XXXX XXXX. When that was shown to be an incorrect statement, they then said that the reason was that I had not provided a correct home address. A Pentagon Federal Credit Union disabused them of this notion. For the third reason, XXXX said that I was contacting them maliciously, although I have never sent any email to BillPay, and no such malicious contact was documented by Pentagon Federal Credit Union.

As may be seen in the attachments, I have asked them to document their claim, but both Pentagon Federal Credit Union have refused to do so. I notified Pentagon Federal Credit Union and XXXX XXXX XXXX, that I had withdrawn XXXX XXXX agency to handle my financial information including the creditors and the amount that I paid them, and they have refused to revoke the agency. I demanded that the information possessed by XXXX XXXX XXXX, be turned over to the Pentagon Federal Credit Union, and both XXXX, XXXX and Pentagon Federal Credit Union have intentionally refused to provide me the requested information. I asked Pentagon Federal Credit Union to provide specific information regarding the handling of my XXXX complaint, and they have refused to do so. Full documentation of my complaint is on the PDF file and the Word file attached to this complaint. 

Both companies actions have interfered in my financial affairs and prevent me from making an adequate presentation of my complaint to your offices. As this matter may go further, I am asking that the information that I have requested from both XXXX, XXXX and Pentagon Federal Credit Union be provided to me.

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 2024-11-15 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: WA

Complaint narrative:
When the Biden administration implemented the qualifying payment recount policy for PSLF applicants in XXXX, I was one of the lucky ones who benefited from this recount. I received notice from MOHELA that I qualified for forgiveness in XX/XX/XXXX. But with the recount of qualifying payments, I had actually paid off my loans by their count in XXXX. I paid {$200.00} a month on my loans throughout most of the pandemic, seeing the payment pause as an opportunity to finally reduce my overall balance. By MOHELA 's own documentation, I overpaid my student loans by nearly 30 payments. At {$200.00} a month, I was owed an overpayment refund of close to {$5000.00}. 

I got two {$200.00} refund checks in XX/XX/XXXX for a total of {$400.00}. I reached out to MOHELA to see why there was a discrepancy, but didn't get much information. I started working with the state of Washington 's student loan ombudsman who began contacting them on my behalf in the summer of XXXX. Since then, the ombudsman has jumped through several hoops to try to help me get my full refund. This resulted in one more refund check of {$800.00} sent to me in XX/XX/XXXX ( almost a full year since the first one ). While greatly appreciated, this was still wholly inadequate, as I am still owed more than {$3500.00} in overpayments. 

The WA State ombudsman has now escalated my complaint to the state version of the CFPB. Both offices now have the official payment records from MOHELA. The ombudsman herself reviewed them and created spreadsheets to calculate my payments and what I am owed. According to her calculations, I was owed a {$4900.00} refund for overpayments. After subtracting the {$1200.00} in refund checks that MOHELA has already sent, that means I am still owed {$3700.00}. 

I am now more than a year and a half into the process of trying to get my full refund from MOHELA with no end in sight. I am worried that with a new administration taking over in XXXX, I will never get the money I am owed. 

I am hoping the CFPB will be able to help me finally get this refund. I was a XXXX for 16 years and diligently paid every student loan payment on time and in full for every one of those years. I am grateful my years of service finally resulted in loan forgiveness, but I paid more than I owed and I think it's more than fair that I get the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Commencing on or about XXXX XXXX to XX/XX/year>, I fell victim to a multi-layered scam operation run by a clone company of TRADE NATION which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( XXXX ). 
I was contacted by girl, and I told her that she was under investigation and that they were stealing her identity. At first, she told me she will help me to get the money back, I told her since " Trade Nations '' were investigating and was a fraudulent company. Then the scammer changed her name, because I knew she was a con artist. After that, she contacted some people in my business as well. I was on video chat with her, where it was exactly her, like on the pictures, so I know that this is a real person. 
Ever since I said that IRS want me to say that I want to want to pay my taxes, and they want to know where does it going to. I told her to do the same, so we can bring this fraudulent company " Trade nations '' down, and get the money out. Then she changed her name again. I asked " Trade nations '' who do I wire my taxes to, and they kept delaying. After that, this lady got back to me again asking me if I paid the taxes, and when I said I've been trying to, but they won't get back to me, she asked for a screenshot as a proof. 
Then, she said that she has a choice to ignore me or blackmail me. The scammers wanted me to pay my taxes so I can release my money out. 
When I started to trade with them, they let me withdraw some amount of money, just so they can convince me that this will work. 
She was convincing me that she wants to help me to get my money out.

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 2024-11-15 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: ID

Complaint narrative:
On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX # XXXX XXXX XXXX XXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
On XX/XX/year> I sent out a notice of " Revocation of POA '' and " Cease and Desist '' XXXX XXXX have fail to comply with either notice and still continues to communicate. XXXX XXXX also continues to use false, deceptive and misleading representation concerning alleged debt. This is a violation of the FDCP.

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 2024-11-15 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: GA

Complaint narrative:
On XX/XX/year> I sent out a notice of " Revocation of POA '' and " Cease and Desist '' XXXX XXXX have fail to comply with either notice and still continues to communicate. XXXX XXXX also continues to use false, deceptive and misleading representation concerning alleged debt. This is a violation of the FDCP.

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 2024-11-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage placed forced order insurance on my account amd added an escrow account to my loan upon the transfer of my mortgage to their company. I contacted them immediately to advise I pay my own insurance and sent them proof. They confirmed it was received and have refused to correct the issue since their knowledge of it in XX/XX/year>. They are now reporting me delinquent, and I am in danger of foreclosure.

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 2024-11-15 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:
MY INFORMATION WAS INVOLVED WITH THE EQUIFAX DATA BREACH. THERE WERE FRAUDULENT ACCOUNTS LISTED BELOW OPENED IN MY NAME. THE ACCOUNTS ARE 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am a victim of unfair debt collection practices. The company RADIUS GLOBAL SOLUTIONS LLC is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

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