vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, I hope this letter finds you well. 

In accordance with the Fair Credit Reporting act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 section 604 A states : that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B states : a credit may not a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Statebridge Company
State: MD

Complaint narrative:
I received a letter from Statebridge saying I needed to XXXX to bring my loan current and that the outstanding due was XXXX. The company had previously been talking to me about what was due pursuant to a notice of foreclosure action. The action requires the bank to allow pay off. The bank refused payment and said I had to go through an attorney they hired and that I would have to pay fees and the due amounts were now XXXX. I sent a check for the XXXX. I then spoke to the attorney and offered to provide payment wire. They refused and said they would only allow me to pay XXXX despite the amount due was XXXX. And the principal balance due was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against TransUnion for the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as per the Fair Credit Reporting Act ( FCRA ). My dispute, sent on XX/XX/XXXX, requested an investigation into the following items : 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 Additionally, I disputed two inquiries from XXXX on XX/XX/XXXX and two incorrect addresses on my credit report. To assist in verifying my identity, I enclosed a copy of my photo ID, social security card, and a recent bill reflecting my current address. 

However, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response indicates a failure on TransUnion 's part to recognize a dispute initiated by the consumer, as mandated by the FCRA. The Act explicitly states that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I am providing copies of my dispute letter and TransUnion 's response as proof of my attempts to rectify the inaccuracies on my credit report.

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 2024-01-19 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: CT

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.

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 2024-01-19 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: CT

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$350.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-01-19 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: VA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment XXXX debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, Trans union XXXX and XXXX requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes

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 2024-01-19 00:00:00
Product: Credit reporting 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:
Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment XXXX debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, XXXX XXXX Equifax and XXXX requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I signed up on XX/XX/XXXX for the Chase Bank XXXX bonus through a link provided to me by my Mom, it included a bonus for checking, savings and doing both. I met all criteria to receive the bonus but was met with resistance from customer service and the branch manager at my local chase location. 
It was brought to my attention that a bank bonus code was processed on my account in XXXX, although I did not meet the criteria nor did the XXXX account receive a bonus. The previous account was closed for more than 90 days when I applied for a new account in XXXX. The wording in the fine print of the bonus specifically states that I am ineligible to receive a bonus, if I had received one to my account in the last 2 years. NOT that a code cant be processed on my account within the last two years. My account in XXXX NEVER received a bank bonus. This wording is incredibly misleading. 

This process has been incredibly frustrating and time consuming for me, as the only incentive for me to switch my checking account over was the bonus that Chase was offering. Not to mention, my multiple visits over to my local location to speak with someone, just to be told that the manager is not in and that I would have to return on a later date. In total, I spent 5 hours of discourse on the phone or in person to try and get this issue resolved. After spending this time, the branch manager stated she would reach out to her upper management for help but she never followed up with me. 

Hoping to find some resolution with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: KY

Complaint narrative:
In the fall of XXXX  my loan interest rate had been paid off through XXXX. When it switched to MOHELA I asked for an updated info from XXXX  regarding my account as well as the payments processed through PSLF. At this point, I did not receive such items as my account was closed. When MOHELA received my old loans, I started gaining interest again. No one responded to my inquiries. As of this week I paid my monthly student loan on XX/XX/XXXX but on XX/XX/XXXX they said I was overdue which affects my loan forgiveness payment options and also incorrect. I feel that this company is untrustworthy and I am out of options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-19 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:
I will send a letter in the mail in XXXX of 2023 stated that my information may have been affected by the Equifax data breach I also received the email from XXXX XXXX XXXX advising me of this information to so now I'm taking the time out to write you all because I just had XXXX XXXX in XXXX and I wasn't able to get it done before then because I was losing my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Byrider Franchising, LLC
State: AL

Complaint narrative:
I was never notified of the bill of sale of the vehicle, so who is to say you are charging me the correct amount. If you can not provide this information, I will reach further with my communication on getting this debt removed from my credit report. There is no actual proof that this is the correct balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I NOTICED UNAUTHORIZED HARD INQUIRES ON MY REPORT OR I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME. REMOVE ALL FRADUALENT ACOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I want to repair my credit repair and get back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
I was placed on an administrative forbearance by Mohela despite my request to not be put in it out of fear my last few payments for PSLF would not count. I proactively called numerous times and was assured each time ( see call history below ) that these would not impact my payments counts. I have waited three months to have my chart reviewed, they have finally updated the payment count which is now at 121 ( 120 required for PSLF ) but they have not counted the payments during the forbearance ( XX/XX/XXXX, XX/XX/XXXX ) and have marked them " ineligible '' resulting in leaving me at a count of 118 and not sending my application off to Federal Student Aid for final forgiveness. I am now stuck in this limbo where I am not accruing qualifying payments due to the forbearance but they will not remove the forbearance. This is illegal and something needs to be done. This is my livelihood. 

XX/XX/XXXX XXXX XXXXXXXX spoke to XXXX XXXX requested my ineligible payment in XX/XX/XXXX be moved to qualifying as I made a payment in XXXX, stated he would have this changed requested Forbearance be removed. Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX She stated forbearance is in place XXXX thru XXXX. I requested ineligible payments be moved to qualifying. She stated she put a note in my chart. Transferred me to supervisor ( XXXX ) was on hold for 2 hours and she never picked up. Session key XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX addressed the ineligible payments due to forbearance, stated the " IDR one count adjustment will take care of that ''. Should hear something by XX/XX/XXXX Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX re : status of student loans. Suggested I submit page 1 before my chart gets assigned to someone- this was completed same day ( XX/XX/XXXX ) Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX : told her I noticed my payment counts were updated to 118 and stated this was incorrect as the " ineligible '' payments should count as well. Was told it's still being processed despite the documents section showing " processed ''. Was told again that the ineligible payments will not count against me Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX : received online message of processed paperwork with nothing changed. 
XXXX XXXX XXXX XXXX XXXX XXXX  spoke to XXXX. Asked to speak to a supervisor, was transferred to an answering service that disconnected me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief