vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : Account Name : XXXX XXXX  Original Lender : XXXX XXXX XXXX  XXXX XXXX Name : XXXX Date Assigned : XX/XX/2023 Original Balance : {$1000.00} Current Balance : {$1000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXXXXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I originally purchased my home mortgage through XXXX XXXX. A few months ago, they sold my mortgage to Lakeview Loan Servicing LLC. Well when they transferred the loan, they completely messed up the transferring of funds. For one example, I had made a separate payment of {$10000.00} strictly towards my principle while my mortgage was with XXXX XXXX. Now that Lakeview Loan Servicing LLC has it, at first they completely neglected that payment altogether. I contacted them probably 15 times trying to get this straightened out. Now they took that {$10000.00} and applied it towards the monthly payments which is not the same at all.

Doing that virtually turned my {$10000.00} into {$1500.00}. I have tried calling, emailing, and every other form of communication with them but they are either completely incompetent or they know exactly what they are doing and are stealing money from me. 

I would be so grateful for help in this matter. 

Thank you, 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 2023-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I called to pay my account in full in XXXX of this year. I made the payment with a representative over the phone and specified it was to be paid in full. I was charged a late fee after paying everything in full which has no accrued late fees and interest. I tried to call on XX/XX/2023 to resolve the situation. I dialed the phone listed on the bill and when I choose 0 for representative it stated the call could not be completed as dialed.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX  ; XXXX, {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX {$3400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX XXXX {$6500.00} XXXX OF XXXX  ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer 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 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Collection account from XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX  falsely reporting to XXXX and Trans Union.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: 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: TN

Complaint narrative:
I need my final official letter showing I qualified for PSLF! I have been in the PSLF program since XXXX. I submitted my final PSLF form on XX/XX/XXXX. On XX/XX/XXXX my loans were showing a XXXX balance on the Mohela website. On XX/XX/XXXX my account on Federal Student Aid had a XXXX balance and in early XXXX my credit reports showed my loans as " paid in full '' with a XXXX balance back dated to XX/XX/XXXX. As of the writing of this complaint I still do not have a letter showing my employment by employer with the associated number of qualifying payments. I also do not have the official congratulations letter that states I qualified for Public Service Loan Forgiveness and my loans were forgiven because I qualified for PSLF. I need the official documentation that proves I qualified for PSLF and my loans were forgiven through PSLF. I have emailed 4 times and called twice regarding this matter and am still being told to wait due to a " glitch. '' Today I got a response to my most recent complaint that states : " Thank you for contacting MOHELA. We sincerely apologize for any inconvenience, we are currently working on generating those letters. As soon as it is available we will send it out to you. " It has now been neatly 3 months since my account XXXX. I need my letter!

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: Problem with a credit reporting 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:
Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Greeting, I am XXXX XXXX XXXX XXXX XXXX 
I was XXXX XXXX for almost XXXX XXXX  my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a XXXX XXXX on XX/XX/XXXX for which I am in XXXXXXXX XXXX. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX  XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The Loan, Account Number And all Related Debts And Credits Related to XXXX XXXX XXXX XXXX XXXX Account # XXXX Have Been Transferred To XXXX XXXX XXXX XXXX XXXX! I no longer own this debt or its credits, The XXXX XXXX XXXX XXXX XXXX Owns : Navy Federal CR Union Acc # XXXX Via XXXX Filing # XXXX Through New York On Public Record In 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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an ins agency charging me for an old policy and a current policy that is not due until XX/XX/2023. I disputed the charges, contacted the credit card company and cancelled my card. The next day they let the charges go through again. That was the point of cancelling the card. They told me to tell the merchant but they still should not let charges go through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, Equifax, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.

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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and Expiran. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.

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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX on XXXX stating that the name of the company is Citi Financial XXXX With a XXXX XXXX phone number of XXXX. I returned the call and the asked for me but by my past married name that I havent carried since 2012. I had a feeling it was a scam collector. Upon reverse look up, it is not attached to any legitimate business, the person said they were collecting for a XXXX XXXX which Ive never done business with, and read off my address that I lived at over XXXX yrs ago. Threatened to have the sheriff come arrest me for fraud after I asked for copies of the paperwork I signed to incur the debt as I have no recollection of any business between myself and the named company. Then proceeded to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I opened my email this morning XXXX an seen there was a account opened from Frost Bank which I don't open.

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 repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XX/XX/2022 i received an email from " Kikoff Company '' promising me that my Credit Score will increase Very fast if i agree to pay them {$8.00} per month. After my first payment my Credit Score was Decreased instead and without any other activity in my Credit Report. I emailed them immediately few times ( since they don't provide a phone number ), but i haven't received any response except their monthly emails about my due payments. After few months i checked my Credit Report and i found out that they reported me late payments to ( XXXX, XXXX, XXXX ), that i owe them {$1000.00} and my Credit Score kept Decreasing. I am sure that they Defraud many people besides me. " Kikoff Company '' proved to be a Fraudulent/Criminal Company .

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I purchased a set of tires and had them installed on XX/XX/2023 at the XXXX XXXX, XXXX XXXX location. I also purchased an oil change. I used Affirm to pay for the majority of the tires. I then see a similar loan for {$420.00} set of tires for XXXX XXXX, XXXX, XXXX, XXXX location. I have disputed this with both Affirm & XXXX. XXXX can not produce any proof of me picking up the tires although they claim i did. Also they couldnt provide any XXXX XXXX on it. At this point if i dont pay for the false loan my credit rating will suffer. What other recourses do I have?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-08-08 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: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2022, I sent a letter to TransUnion Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, TransUnion is not following through and doing its part in maintaining correct and complete credit file 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 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not allow me to cancel my subscription. I signed up for a free trial. I was billed once. I then tried to cancel it. It appeared to be cancelled. It was not. I then got a new card- and they will not stop trying to pull money from the old account. I get emails and text notifications. They will not stop. I try to go to their web page to cancel- it won't even let me get to a page now to cancel- just a page to update my payment information. I do not want to use this service. It's borderline harassment at this point.

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