vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Liberty SBF
State: NC

Complaint narrative:
The attached True and Lawful Affidavit explains the circumstances of how Ive been victimized from fraudulent and deceptive trade practices and swindled out if thousands of dollars on an alleged account of which I was not loaned money nor goods nor services nor ANYTHING OF VALUE by this pretend lender. This account was paid in full by the US Treasury per the law. Im prepared for litigation should they deny the Truth. I advise that all supervisors immediately submit this claim to the CEO, COO and its attorneys on retainer along with the Accounting department so that they may immediately confirm the validity and accuracy of my Claim in this BILLING ERROR DISPUTE. This creditor can NOT validate any debt alleged to be mine. I have incurred significant damages from their deceptive practices and debt claims. I want a quick resolution. This claim will also be served via mail. This pretend lender solicited me as a consumer and approved my truth promising to forgive a loan but did not. They are equally responsible for any alleged loan if not fully responsible as they were to do Due Diligence knowing what was needed and approvals. Their employee XXXX XXXX advised and instructed to submit the application. I have recordings of her instructions. I followed them as the leaders and the knowledgeable experts who would not mislead, nor deceive. Furthermore there is no money to loan nor any debt. They have already been paid by US Treasury from Federal Reserve practices of GAAP. THEY ARE ALL COMMITTING what appears to be FRAUD. I have also repeatedly asked to stop XXXX and send printed statements and allow for mail in payments for transparency and accountability. They have violated my every right by not accommodating my needs. The loan could never be in default because its already paid in full however they wont accept any payments regardless unless drafted from a checking account. Law requires any negotiable instrument. Finally theyre accounting is sub par. I have repeatedly received several notices of default when the account was already in current status paid as agreed. The rep, XXXX XXXX, pleasant and helpful, on a recorded line said that it was a system error and my account was in good standing. Yet the error lasted for months with me receiving false default notices. I complained by email and certified letter to no avail with no responses whatsoever. Shut this business down unless they can truthfully signed the attached affidavit of the money-loan debt validation. Not a request to verify my name and SSN on an account and the debt amount. This is a true challenge to validate a money loan was made to me from Liberty SBF. They have been asked numerous times to do so but have NOT. and CAN NOT. I BELIEVE THIS IS FRAUD FROM DECEPTIVE TRADE PRACTICES HIDING BEHIND TRADE SECRETS. THERE IS NO MONEY EXCHANGE HERE BECAUSE THERE IS NO MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed several items with all XXXX bureaus and two bureaus have verified and deleted incorrect items and updated neva information. Yet, Experian has not chose to do so. I have higher scores with two other companies and direct results from evidence and disputes. Experian has also blocked me from disputing several accounts because they have been disputed already. In accordance with the FCRA new laws in credit reporting. Negative items over two years without proper documentation and validity of account shall be 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ive recently checked my consumer report and noticed that there were a few unauthorized inquires that I did not apply for nor gave consent to anyone, these inquiries are fraudulent and needs to be blocked and removed according to 15 usc 1681c-2-a ( blocking information resulting from identity theft ) also this dropped my credit score where on of my credit cards limit dropped due to my score decreasing from those inquires in question, Inquiry 1.XXXX XXXX XX/XX/2023 Inquiry 2.XXXX XXXX XXXX  XX/XX/2023 Inquiry 3.XXXX  XXXX XXXX  XX/XX/2023 Inquiry 4.XXXX  XXXX XXXX  XX/XX/2023 according to fcra 15 usc 1681n- willful non compliance-15 usc 1681n ( a ) ( 1 ) ( a ) any actual damage sustained by the consumer as a result of the failure damages not less than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Hello, I would like to report fraud on my credit report. There is an inquiry by One Main Financial from XX/XX/2022. This is fraudulent activity. I did not engage in any business activity with the company and am not a customer. This is a false report that should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I have a FHA mortgage with Midland Mortgage. I applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads several months of delinwuency. As the guidance shows, the mortgage company should not report a delinquency for those months. Therefore all months from XX/XX/2022 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. 

The CFPB was extremely helpful in getting this corrected.

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 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MA

Complaint narrative:
To whom it may concern, I have contacted the company Penn Credit and requested a debt validation letter about 6 weeks ago and still have yet to receive it. I never received written notice from the above company and found them through a 3rd party so this request is vital as I do not believe I owe this debt. 

They have not been able to verify the debt nor verify they have the right to collect on that alleged debt. 

This is very important to me as a hold was placed on my car registration and I legally am not able to drive it and when it is parked on the street, I am been given countless tickets. It is very difficult to have only one vehicle to drive between my wife working full time and I working full time and having a XXXX year old daughter. 

I do not know where to turn but have read online that filing a complaint may help. Any assistance that could be provided will be greatly appreciated. 

Thank you in advance for your help. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXXXXXX 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Tesla, Inc.
State: CA

Complaint narrative:
their advertising clearly states that a {$1300.00} destination charge in included in their advertised price. They are saying it clearly states that the {$1300.00} is in addition to their advertised price but I pointed out to the immediately below where it says " includes {$1300.00} destination fee '' it says " excluding taxes and other fees '' so that if XXXX line says its included and the next line says it excluded, then they can't possibly think that excluding both from their advertised prices makes sense. 

I can't possibly be the first person that thinks that " includes '' and " excludes '' actually do mean the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This is my 3rd attempt trying to get Experian to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail.

Again please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the 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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC
State: OR

Complaint narrative:
I filed a dispute & they refunded my money & the same day they refunded my money they also blocked my account and the new debit card they sent me. I have called multiple times and they hang up on me & are very rude. They will not allow me to access my account to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: OK

Complaint narrative:
I am writing to urgently draw your attention to a serious discrepancy regarding my student loan payment count, which directly affects my progress toward achieving XXXX XXXX XXXX XXXX ( XXXX ). My trust in the systems in place has been deeply shaken, and I am compelled to seek intervention and guidance from the Consumer Financial Protection Bureau to rectify this matter promptly. 

Background : In XXXX, I acted in good faith and consolidated my loans under the Income-Driven Repayment ( IDR ) waiver. To my astonishment, this action resulted in my payment counts decreasing from XXXX to XXXX. Since then, despite my continued employment in a public service position, the count has stagnated at XXXX for several months. 

Actions Taken : To address this discrepancy, I have been assiduously submitting my employment verification forms monthly, expecting the counter to reflect the accurate number of payments I have made. Unfortunately, these attempts have proven fruitless, leaving me in a precarious situation with looming uncertainties. 

Current Situation and Concerns : The payment pause, instituted due to unprecedented challenges our nation faced, is set to end shortly with payments resuming on XX/XX/XXXX. I find it deeply concerning, and frankly outrageous, that as we approach this deadline, I still do not have an accurate representation of my payment count. If I have already reached the required XXXX payments, it would be unjust for me to be obligated to make further payments. 

Request : I am requesting an urgent review of my payment count and demand its rectification before the pause ends in XXXX. An accurate payment count is crucial to ensure I, and undoubtedly many others, can confidently navigate our financial responsibilities without undue burden or stress. It is essential that borrowers can trust the systems in place, and as of now, this trust is significantly diminished. 

Furthermore, I kindly request a written confirmation of the review and the necessary steps taken to ensure my payment count is accurate. 

Conclusion : The XXXX XXXX XXXX XXXX program was established to recognize and reward those who have dedicated a significant portion of their careers to public service. The integrity of this program hinges on the accuracy and transparency of its processes. My situation, regrettably, has been marked by opaqueness and a lack of clear communication. 

I sincerely hope that this matter is given the prompt attention it deserves. It's not just about rectifying an individual 's payment count but ensuring the very credibility of a program that thousands rely upon. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Sincerely, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems Attention : Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Derogatory Account in My Name ; Victim of Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your immediate attention a concerning matter regarding my identity and the fraudulent activities associated with it. I have recently become aware that a derogatory account reported by XXXX XXXX, under my name, is a result of identity theft. I hereby request your cooperation in resolving this issue promptly to prevent any further harm to my financial well-being. 

Unfortunately, I discovered this fraudulent account when I received notification from XXXX XXXX  stating that my account was delinquent. However, I have never opened an account with XXXX XXXX, and I am not familiar with this derogatory entry or its associated activities. It is evident that I have fallen victim to identity theft, wherein someone has unlawfully been using my personal information for their own financial gains. 

In light of the above, I request your immediate attention to address this matter and conduct a thorough investigation into the fraudulent account reported by XXXX XXXX. I kindly ask you to take the following steps to assist in rectifying my situation : 1. Verify and investigate the existence of the derogatory account under my name. 
2. Clearly communicate with XXXX XXXX  regarding the fraudulent nature of the reported account. 
XXXX. Request XXXX XXXX  to provide evidence supporting their claim. 
4. Promptly remove the derogatory entry from my ChexSystems report. 
5. Provide me with a corrected and updated ChexSystems report reflecting the removal of the fraudulent account. 


I kindly request your support in resolving this matter as soon as possible. As a victim of identity theft, I have also taken several additional measures to protect myself, such as filing a police report and notifying the Federal Trade Commission ( FTC ). Enclosed is documentation confirming these actions. 

Please provide me with updates regarding the progress made in resolving this issue and keep me informed of any further steps required from my end. I appreciate your understanding and cooperation in assisting me during this challenging situation. 

If you require any further information or clarification, please do not hesitate to contact me via the above-stated contact details. I am available at your convenience to provide any additional information that may aid in the investigation. 

Thank you for your urgent attention to this matter. I hope for a swift resolution to clear my name and restore my financial stability. 

Yours 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