vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I received a check in the mail during the XXXX  crisis and was already encountering a major loss so I thought I would be able to pay in a timely manner. I wasnt able to pay in a timely manner due to me having a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was major XXXX  and when I finally was able to go back to work. I called to settle account or possibly set up payment arrangement because I dont want anything to happen and my love ones are left with my debt. When I called to settle or inquire about payment arrangement, I was transferred to a XXXX who literally had me crying over the phone ; she threatened to have me locked in jail for getting a loan that I couldnt pay back. She called me a criminal and I have never in my life done anything criminally ; not even a speeding violation. I tried to talk and explain my condition but she showed no empathy and told me that they will not settle and would only offer me until the end of the month to pay the full amount or that they will take me to the court. XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; in which I had sXXXX XXXX XXXX. After this call, my XXXX got worse and XXXX finally able to write about the XXXX  I encountered with this company. This company used predatory practices to target consumers when they needed assistance during XXXX XXXX  ; charging ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-10-03 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank froze my accounts on XX/XX/year> and never gave me an explanation why. This includes checking account, money market account, credit card, a commercial line of credit and online access to all of them. 

I have been in contact with the branch manager, and all the response I got ( verbally only, never anything in writing or email ) is that the case is being investigated by " Corporate ''.

This is causing me a long list of financial problems and hardship, as this was my main bank to conduct several real estate business initiatives; including rentals, mortgages, rehabilitation projects, utilities, etc. 

Other than branch representative I have tried contacting their customer service representatives, their fraud department hotline, etc. and nobody can answer. 

On top of that, they are assessing me a late payment fee for non-payment of interests on my commercial line of credit, when I can not make any payments since it is frozen. 

It has been over a month of this now, and they are not even answering my emails or phone calls anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
This company is reporting a an account that is not mine - I have tried to get this situation handled with the company on several occasions and it has been unsuccessful!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Park Hill Holdings
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

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 2024-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I had emailed and also called Naviant back in XXXX to get the Misconduct Discharge Application. Every time I asked for it they refuse to send me it and say my loan doesn't qualify. I know it does due to the project on predatory student lending site laying out due to the fact that my account falls under the XXXX XXXX XXXXXXXX case. I attended XXXX XXXX during the alloted time frame. Which the ruling stated that all loans should be discharged due to predatory lending. I unfortunately did not keep the emails due to just now finding out I could file a complaint about their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I was charged a past due fee of {$28.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from XXXX, XXXX, and Equifax. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ).

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from XXXX, Experian, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( XXXX XXXX. XXXX ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( XXXX XXXX. XXXX ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( XXXX XXXX. XXXX ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies that persist on my credit report despite previous attempts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies that persist on my credit report despite previous attempts to resolve the 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 2024-10-03 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute my student loan account due to violations of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g. FERPA is a federal law enacted in 1974 that protects the privacy of student education records and applies to all public and private elementary, secondary, and postsecondary schools that receive federal funding.

According to FERPA, educational institutions are required to protect the privacy of student records and provide students with the right to inspect and review their education records. Furthermore, any disclosure of personally identifiable information from these records requires the written consent of the student, except under certain legally specified conditions. Under FERPA my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not believe the debit being reported on my credit is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
American Financing refinanced my home without my knowledge and permission. XXXX was allowed to approve loan for over {$100.00}, XXXX ( cash out ). for a man with a XXXX score. The total amount was over {$200000.00}. My XXXXusband and falsified the application so the loan could be approved without my knowledge and caused my family to lose our home. I did not discover the amount of the loan and the false information that was provided to get approval. I am not sure how many other families have been destroyed in the manner of mines. This situation also cost me my marriage due to the deception that my XXXX  husband did as well with XXXX XXXX. We have had many sleepless nights and pure XXXX  from what did to my family. I believe they should be held accountable for their actions and shut down to ensure this will never happen to another family. American Financing should be responsible for the payment as well since it was given purposely and caused the destruction of a family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
My mother was contacted by XXXX referencing case number XXXX about being served a legal letter that was intended for me, XXXX XXXX. My mother lives in New Hampshire and I live in Indiana. When I called the number I spoke with XXXX XXXX who stated she was with XXXX and XXXX and they were the legal representatives for Check into Cash for which I owed a debt of around {$1200.00}. I stated I would need to see the payment options, to which she stated there were two, one of which would involve me paying legal and attorney fees for around {$3000.00} or I could make two payments for the {$1200.00}. I stated I would have to make two payments as I'm not currently employed but I would need to see this in writing first. I was sent a Stipulation Agreement by XXXX XXXX with the same company and when I looked over the information I noticed they had my name listed as XXXX XXXX and this debt is from XXXX. Also stated on the call that the debt was listed on my credit report and was in a specific status as recently as XXXX. Neither of these are true. There is nothing from any of the three credit bureaus stating I owe this money. I believe this debt to be time barred and these companies, XXXX and XXXX and Check into Cash to be using abusive tactics by contacting family members and threatening legal action to sue in a state I'm no longer in by means of a state I've never lived in to try and collect on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
This company was selected to assist in the closing of my home on XX/XX/year>. Throughout the entire process, their staff was unprofessional. I was asked " did I read '' my disclosures bc I asked a question. It was also mentioned to me that staff had not taken a lunch as to indicate there were too many concerns/issues and that the process was taking too long to their liking. 

After the sale, an issue arose with the XXXX XXXX with my property. I informed my attorney and he reached out to the title company. He informed the title company that XXXX of XXXX  on my deed and commitment were incorrect. The title company replied that they only insured XXXX of the PINS and has not provided any other feedback regarding the matter. 

The issue is that the Deed and XXXX both have XXXX XXXX. Therefore, there is some acknowledgment that XXXX XXXX  were to be insured. 

How did XXXX XXXX  transfer the DEED? Who provided the PINS to be insured by this title company? Who provided those XXXX? Who is responsible for confirming the XXXX. To my understanding the title company is to research and insure the title of the home being bought. 

I need answers from the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have a {$250000.00} CD with Citibank. On XX/XX/year> an interest deposit was credited to the account in the amount of {$930.00}. On the same day the {$930.00} was transferred to a closed account of mine at Citibank, this was not the account I instructed them to apply the funds. 

Citibank will not correct the error ; I just want the funds deposited to an XXXX account at Citibank, they refused. 

They informed me that I will be receiving a letter regarding the transaction.

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 monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: NV

Complaint narrative:
First Advantage screening used the inaccurate reporting on my XXXX credit report to deny my tenant screening application. I have told them the following information, and provided my ID showing my name and they have said that they can see the name is not mine on the original creditor 's application, AND there is no social security number on the XXXX reporting - how is this legal? They're using information that is not mine to deny me a residence. They refuse to remove it from the screening report. 
The account info they are using from XXXX that is not mine : XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted XXXX about the account in question. They also acknowledged this is inaccurate, along with the account reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? 
I want this removed immediately. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I have identified several accounts on my latest credit report that I believe are inaccurate and were added without my authorization.

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