vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: NV

Complaint narrative:
A XXXX XXXX back when I tried applying for a home through a financial institution, I was denied because of my credit. When I pulled my credit I noticed there were XXXX inquiries that was not authorized or initiated on my behalf. I tried disputing with all XXXX credit bureaus and I was told to go through the original creditor. I sent letters trying to disputing with the creditors and still got any results. The inquires that are reporting on my Experian are ... ... Inquiry : XXXX XXXXXXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) when I tried disputing these inquires with the XXXX credit bureaus again, I was told to make a CFPB complaint in send in the report and or XXXX XXXX XXXX XXXX XXXX alongside a picture of my ID and proof of address. As of told XX/XX/XXXX, I've yet received the satisfaction of these inquires being removed or even a reinvestigation of my disputes.

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 2022-11-15 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: IL

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2022-11-15 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: IL

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I have sent several complaints to CFPB and CFPB isnt addressing the violation of Respa violations that have occurred by the new servicing company SN Servicing. 

SN servicing has refused to provide me my Amortization and has lied to the courts stating I didnt pay my mortgage payments as of XXXX of XXXX. I made payments and used their system which can be detected through their own software as well. I was also informed by their own employee that the board members didnt want my loan and were going to force me into a foreclosure. How is it legal that this is even allowed and why isnt CFPB allowing this to take place. Its illegal whats transpiring. I want CFPB to be held accountable for what they are illegally allowing to happen. I have been paying on my mortgage since XXXX and I loss my father in XXXX and my brother in XXXX from XXXX. Its a XXXX shame that this is allowed to transpire. We give billions away of tax payers money to XXXX and other countries but law abiding citizens are getting XXXX  by mortgage companies and our own government. This needs to hit air ways and the public needs to be informed of what CFPB is doing to consumers. This is stealing..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
This company calls me multiple times daily, once even interrupting me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2022-11-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 

Certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
To whom it may concern As a XXXX protected Consumer, I have been VIOLATED by AFFIRM. Affirm has been trying to collect a debt not owed for XXXX now. Even if affirm assumed that the ALLEGED debt was valid that DOES NOT give Affirm the right to VIOLATE me I have copies of my call log that shows PROOF of affirm calling me continuously ( more than XXXX times ) inconveniently to annoy me even while I am AT WORK which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). AFFIRM has also VIOLATED me by furnishing my private information to XXXX  parties when they charged off this ALLEGED debt which is a violation of XXXX XXXX XXXX ( XXXX ) which states UNDER FEDERAL LAW a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency and a XXXX-party collection agency IS NOT XXXX of those XXXX. I request that you show me a contract I signed with AFFIRM and a NOTARIZED Accounting ledger showing that I owe you a debt. This is not me saying i won't pay because I happily will but according to my CONSUMER RIGHTS I have the RIGHT to validate ANY ALLEGED DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with Capital One. After sending in my Police Report and other affadavits to XXXX XXXX, XXXX and XXXX and has now put this Creditor on, as Charged off as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I had a XXXX XXXX card with XXXX. First National Bank of Omaha took over card. Never had a late fee or interest payment in a decade or more with XXXX. As soon as First National/Omaha took over card had fees every month. Finally went to Post Office and was told First National was returning my bills as undeliverable even though I sent them back in their return envelope. So then they'd charge me late fees and interest.

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 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: MN

Complaint narrative:
This company sent a bogus statement for verification of a debt I did not owed and even though it is disputed during the investigation. They continued to report it to credit reporting agencies. Please sent an attachment of that statement to consumer finance bureau on my request. The statement does not have my name, SSN nor any identifiable information but for some reason you linked it to my credit report. This is fraud and violation of FCRA laws. 
Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service that render service. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NV

Complaint narrative:
A few months back I tried applying for a Home loan through a financial institution and was denied. Upon me pulling my credit report I noticed there were inquires that were not initiated by me or authorized on my behalf. The inquiries are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing through Equifax and was told to I needed to contact the original creditor. I reached out to the creditor and got no help. I again contacted Equifax and was told to submit a CFPB complaint and or police report and or FTC report and send it in with a copy of my ID and proof of address. It is XX/XX/XXXX and I yet received a satisfactory of my disputes Ive submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of time
s. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acount name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After having to have my credit run, I discovered that I was a Victim of Identity Theft. I contacted the Creditor and the Credit Bureaus and sent in a Police Report along with other affadavits. XXXX XXXX was then changed on my Report as Charge Off as Bad Debt. This Debt is not mines and I should not have to have my Report tarnished by it.

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 2022-11-15 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX FRAUDULENT CHARgED MY CARD FALSELY MY CARD COMPANY IT NEW IS NOT SURE WHAT TO DO IN THE MEAN TIMES I AM OUT {$2000.00} My account was bought from XXXX XXXX XXXX  and it was charged to them but they sold my account to Comenity  and they are not sure what to do?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NY

Complaint narrative:
XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. XXXX, Equifax, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the XXXX when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and XXXX. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a manager. XXXX closes at XXXX XXXX  XXXX and XXXX took it upon himself to cut off the phones to the customer service line at XXXX XXXX. I was unable to call in and speak to a manager to get my concerns addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I received a Kohls credit card that I never applied for. I spent almost an hour on the phone with Kohls and was told the card was opened with an online application on XX/XX/2022 and they could not provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1   ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( 1  ) ( A ) and 611 ( a ) ( 1  ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15  U.S.C. 1681g  ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1  ) [ 1681h  ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611  ( a ) ( 1  ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}

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 explanation