vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I took a loan and make payments through an app. After XXXX payments there is now a convenience fee. I contacted them told them I didnt agree to that and it wasnt disclosed in the beginning. They told me there was nothing they can do because they are now getting charged that by their payment processor. I told them I understand and thats fine for new customers but it was never part of our agreement. Still they said there was nothing they can do but I told them you just cant change things in the middle of a loan like that. They still refused to offer any solution. I have a feeling they have done this to everyone and it isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consistent inaccuracies on my report are causing real harm. My score has been lowered, and future opportunities are slipping away because of incorrect information. Its exhausting to have to fight to prove that I shouldnt be penalized for errors I didnt cause.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have been hacked somehow in my bank account XXXX  times in the last XXXX months I have had my phone scanned by professionals to make sure nothing had been loaded into my phone and nothing had been I believe my back BMO Harris of XXXX has been hacked. I am XXXX XXXX XXXX and this has happened so many times in the past XXXX months ( since XXXX ) it has added up to over XXXX XXXX dollars has been taken and I am going to be changing banks. The bank has stopped the transactions and returned them to me just for them to do it again the next day. I have changed my email passwords and now I need help. I had a new account made with my bank and havent even used it yet and I woke up to my account over XXXX XXXX dollars negative in my account. I have done everything I am able to do. Every time I find my account has been hit it has been added to an apple pay wallet and it is in multiple cities so I can't pin point it to an exact state where this is coming from.

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 2025-01-10 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Hi, My name is XXXX XXXX. XXXX/XXXX/201. Last XXXX digits of my social is XXXX. A collection through Porfolio Recovery has been reporting on my credit report since XX/XX/year>. I have no knowledge of the account. I dont even have the account number to give to do a proper investigation on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I am in the process of getting a mortgage. I am currently on the XXXX payment plan which reflects a XXXX dollar payment amount. I submitted the form to Mohela requesting to change payment plans and enroll in the XXXX payment plan so that it will reflect a dollar amount other than XXXX. While it has been received, we are being told that they are not processing any enrollment forms at this time, and there is no timeframe for when they will resume doing so. I need this form processed as soon as possible please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I received a letter from NewRez via mail with a printed date of XX/XX/XXXX notifying me that I am no longer responsible for PMI and that my next monthly billing cycle would be adjusted and the change may take up to 30 days. 
The adjustment was not made on my next bill ( XXXX ) and it has also not been made for my XX/XX/XXXX bill. I called them twice in XXXX and XXXX times in XXXX, a total of 5 times and this is still not corrected. They assure me that the change will be reflected in XXXX, but I do not trust that will happen. They said I will not be reimbursed for the XXXX payment and I just made the XXXX payment, including PMI I am no longer responsible for because I do not want to be charged a late fee and deal with the implications that could have on my credit history because NewRez is not doing what they are legally required to do.

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 2025-01-10 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
I met a mortgage lender XX/XX/XXXX to be pre-approved for a loan to by my first home. I found out by the credit report that I have XXXX student loans. Even though I have only had XXXX student loan. I was told to reach out to Mohela. 
I do in fact have a student loan from Mohela for {$19000.00} which is seen on my credit report from XXXX XXXX XXXX XXXX XXXX However, my credit report also shows a student loan from Mohela for {$39000.00} reported XX/XX/XXXX on page XXXX. The account numbers were even doubled. The second time I called Mohela on XX/XX/XXXX, I was told that in XX/XX/XXXX Mohela had a " glitch '' that caused people to have a duplicated student loan balance. 
My mortgage broker put in a dispute with XXXX  about this situation. 
I called XXXX, XXXX, and XXXX. XXXX of the XXXX credit bureaus said they see the XXXX and they put in disputes. 
Mohela has been called XXXX times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in which each time I was transferred twice until I could reach the credit people. They told me that they have put in a claim and that it would take up to 30 days to be removed from my credit report and it has not. I have asked to receive a personal letter stating the {$39000.00} does not exist so I can buy a home but they did not. They said " some people '' had duplicate amounts. I will attach the letters they sent me. 
Today, XX/XX/XXXX per Mohela 's recommendation on their letter to check annualcreditreport.com it still shows the {$39000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam : We have been contacted by consumer XXXX XXXX XXXX XXXX above-referenced matter. In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported negative information regarding XXXX XXXX 's mortgage payment. This negative information resulted in your agency reducing XXXX XXXX XXXX XXXX by XXXX points. In XX/XX/XXXX, XXXX removed the negative information from XXXX XXXX 's file. 

Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Your agency must update his file and restore the XXXX points to his XXXX XXXX. 

Please immediately re-evaluate XXXX XXXX 's XXXX XXXX in light of the removal of the negative information and restore the XXXX points back to his credit score.

Thank you for your cooperation with this request. Should you have any questions regarding the content of this letter, you may respond to our offices in writing to the address above. Please include the intake number XXXX on any correspondence. Should you wish to speak with me, please call XXXX. You will need to provide the intake number when you call so that the matter may be properly routed to me. 

Very truly yours, XXXX XXXX For the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Telephone No. 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam : We have been contacted by consumer XXXX XXXX regarding the above-referenced matter. In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported negative information regarding XXXX XXXX 's mortgage payment. This negative information resulted in your agency reducing XXXX XXXX credit score by XXXX points. In XX/XX/XXXX, XXXX removed the negative information from XXXX XXXX 's file. 

Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Your agency must update his file and restore the XXXX points to his credit score. 

Please immediately re-evaluate XXXX XXXX 's credit score in light of the removal of the negative information and restore the XXXX points back to his credit score. 

Thank you for your cooperation with this request. Should you have any questions regarding the content of this letter, you XXXX respond to our offices in writing to the address above. Please include the intake number XXXX on any correspondence. Should you wish to speak with me, please call XXXX. You will need to provide the intake number when you call so that the matter may be properly routed to me. 

Very truly yours, XXXX XXXX For the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Telephone No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 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:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation