vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I received an email on XX/XX/year>, about Student Loan Discharge based on XXXX XXXX XXXX. I was ecstatic. My loans were discharged based on an XXXX finding that the XXXX XXXX made pervasive and widespread substantial misrepresentations. The students loans were wiped out off my credit reports shortly after. The following month, I started getting notices from Mohela about my loans were approve for consolidation and to start making payments. I ignored it because I knew it was a mistake. After getting two or three more notices from Mohela, I called Mohela in XXXX and said, " this must be a mistake because my student loans were discharged ''. Mohela could not find any information on my loans being discharged in their records and said they do not know when their records will be updated. 

According to the XXXX XXXX XXXX XXXXXXXX  ( XXXX ), my loans were forgiving in XXXX, but Mohela consolidated my loans and started sending different and inaccurate bills to my address to start making payment. Mohela keeps saying they do not see my loans discharged in the system, and they do not know when they are going to see it. Currently, the loans are showing in my credit reports. I spent almost one to two whole workdays trying to resolve this issue, but nothing was resolved. Mohela has cost financial, mental, and emotional distress on myself. Please help resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: MN

Complaint narrative:
upon review of my credit report I noticed a few hard inquiries that I never authorized and that I'm completely unaware of..

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. Experian, XXXX, and XXXX need to remove the " XXXX XXXX '' CLOSED, negative accounts two in total from my credit report.

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from Experian, XXXX, and 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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: SC

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. XXXX, XXXX, and Transunion need to remove the " XXXX XXXX '' CLOSED, negative accounts XXXX in total from my credit report. 

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from XXXX, XXXX, and Transunion.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. XXXX, Equifax, and XXXX need to remove the " XXXX XXXX '' CLOSED, negative accounts XXXX in total from my credit report. 

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I have been a XXXX XXXXt and caseworker for XXXX XXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX of 2008 ( 16 years to date ). I have made well over 120 consecutive payments to Mohela and/or XXXX XXXX XXXX for over 10 years. They have forgiven XXXX of the XXXX student loans. 5 of the last 6 remaining loans have received XXXX payments and the XXXX has received XXXX payments, and have yet to be forgiven. 

I have received conflicting information. Letters I have received state that I have been delinquent in my payments. Further scrutiny on their part will reveal that this is not true. I have received a letter stating that payment is due with a payment schedule enclosed. Another letter I received indicates that my loans have completed a transition to Mohela who will handle my loans. Mohelas outgoing message indicates that my loan is in the hands of XXXX  and Mohela has no information. Upon speaking with a Mohela representative by phone I am told that my remaining loans are in a Mohela induced administrative forbearance, no payment is due, and they are possibly being reviewed for XXXX eligibility. When asked when I might hear from Mohela regarding loan forgiveness the representative stated she was told to say ; the end of summer. When pressed for a more specific or even ball park date for the end of summer the representative said, this is all they told me to say. 

My aim is to retire from my job as soon as I know my loans are forgiven. I have documentation showing over 120 consecutive payments being withdrawn from my bank account in payment for Mohela/XXXXA student loans. My employer for all 10 years has been XXXX XXXX XXXX ( a government institution and PSLXXXX eligible employer ). I am eligible for Loan Forgiveness by MohelaXXXX definition XXXX Please help me obtain confirmation that the last 6 of the 17 loans have been forgiven. 

Thank you, Most Sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late Credit XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX $ XXXX update to never late XXXX XXXX XX/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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX5 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXXXXXX XXXX XXXX XXXX is not reporting accurately. The account shows 1 late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not XXXX on XXXX or XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX  # XXXX is not reporting accurately. The account shows 1 late payment and in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, the account was not Late on XXXX  or XXXX XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately .Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
Company took more than 30 days to fix the errors on my report. These accounts are currently in litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
Company took more than 30 days to fix the errors on my report. These accounts are currently in litigation.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX DOB XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : 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 I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
This account was charged off on the following date XX/XX/year>. Sent that time this account has been updated as a charge off multiple times. This is an update in payment history this inaccurate information falsely manipulates the status of limitations. You have failed to properly investigate this account and your negligence has violated my rights. I sent the complaint out a few weeks ago about this issue and it still has not been resolved. I am demanding a deletion of the following account. 

XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/year>, i was recommended by Bank of America to apply for a Business Advantage Secured Mastercard Credit Card and was denied. regardless of any reason for being denied, i have the right to my credit. withholding access to my securities is securities fraud. Bank of America is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Bank of America is has discriminated against me on multiple applications and this will no longer be tolerated. they have used my social security number for the their own benefit and continue to violate my rights as a consumer. at XXXX XXXX i spoke with XXXX from bank of america on a recorded line, where he admitted bank of america was discriminating against me due to 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 explanation