vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This CFPB complaint has been filed to request pursuant to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft stating a block takes place when : a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by theconsumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 


My information was sold and bought Illegally because I was a victim of the Equifax Data Breach. I want these items deleted immediately. I am attaching proof that Equifax Credit Reporting Agency has admitted fault and In fact that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports immediately upon receipt of this complain according to the law : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: SC

Complaint narrative:
I am formally disputing this collection because I have never had an account with the company. This account that is in question listed under XXXX XXXX XXXX. account number XXXX with a balance of {$2500.00} and an open date of XX/XX/year> does not belong to to me. The erroneous reporting is a direct result of identity theft caused by a data breach that I was exposed in.The legal basis for my dispute under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. and 1681c-2 ), I have the right to dispute and request the immediate removal of any information resulting from identity theft. This section of the law also mandates that credit agencies block all fraudulent accounts from appearing on my consumers report upon receiving proper documentation.The FCRA explicitly states that once a credit agency ( TransUnion ) has been notified of an account resulting from identity theft, it must take action to block or remove fraudulent accounts the information within 4 business days. Please send correspondence to my email XXXXXXXX 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I am filing this complaint against MOHELA for improperly handling a payment made to my student loan ending in XXXX. On XX/XX/year>, I made a payment of {$2600.00} - the exact amount stipulated as the online payoff amount available in my loan details on XXXXXXXXmohela.com. I explicitly directed my payment it to be applied to loan number XXXX. Despite this clear intent, MOHELA took it upon themselves to reverse a portion of the payment and then allocate portions of this payment to other loan accounts without my authorization. 

As a result, loan number XXXX still shows an outstanding balance of {$0.00}, which I have now ( again ) paid. MOHELA 's actions contradict the terms of my loan agreement, which allow me to direct payments to a specific loan. I did not approve or request the reallocation of any portion of this payment to other loans. 

I am seeking the following resolution : - Reversal of any payment amounts improperly allocated to loans other than loan number XXXX. 
- Confirmation that the entirety of my payment has been applied to loan number XXXX to fully satisfy the balance. 
- A refund of any excess funds remaining after loan XXXX has been paid off. 
- Written confirmation that loan number XXXX has been paid IN FULL MOHELA 's failure to follow my explicit payment instructions has caused unnecessary confusion and concern. I expect corrective action and adherence to the terms of my loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am filing this complaint because Bank of America refused my request for a goodwill adjustment regarding two late payments on my Bank of America Alaska XXXX credit card account. These late payments have caused my credit score to drop by nearly XXXX points, from XXXX to XXXX, which has severely impacted my ability to secure housing near a medical center where I must relocate for XXXX  treatment. 

The late payments occurred during an extraordinarily difficult time in my life. I was diagnosed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which requires XXXX medical consultations and preparation for treatment at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . While I had autopay systems in place, the overwhelming stress of this diagnosis caused me to unintentionally miss verifying the payments. 

I submitted a goodwill adjustment request to Bank of America explaining my unique circumstances, including my long history as a loyal customer and my previously spotless payment record. Despite this, Bank of America refused the request, claiming they can not make goodwill adjustments anymore due to regulators. They provided no further explanation or evidence of this restriction, nor did they offer an alternative resolution besides applying for another limit increase, which would be denied due to the credit score decrease from this situation. 

This refusal has created significant hardship. The drop in my credit score is preventing me from securing housing near the medical center in XXXX XXXX XXXX, where I need to undergo XXXXXXXX XXXX XXXX XXXX. Furthermore, Bank of America reduced my credit limit from {$35000.00} to {$600.00}, limiting my ability to cover living expenses during treatment. I used to take enormous pride in my outstanding credit score, and now the stress from all of this is compounding on an already unthinkable situation. 

I am asking for the CFPBs assistance in encouraging Bank of America to reconsider its position and make a goodwill adjustment by removing the two late payments from my credit report. This adjustment is critical to restoring my credit score and enabling me to find stable housing during this challenging time. 

I have attached documentation to support my complaint, including my original request to Bank of America, their refusal letter, and medical documentation confirming my diagnosis.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate request despite receiving the necessary verification documentation demonstrates a failure to meet this obligation. 
XXXX lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. 
To support my claim, I have attached copies of my original dispute letter and TransUnion 's response.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX did not provide evidence of working with my insurance company, in XXXXXXXX, to resolve a payment. 

They just sent it to a debt collection agency.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Dear [ Recipient Name or To Whom It May Concern ], I am writing to formally file a complaint regarding improper handling and reporting of a vehicle repossession debt, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, including 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Failure to Remove Debt Balance After Sale : After my vehicle was repossessed and sold, the balance of the debt was not adjusted or removed as required. Despite the sale, the remaining balance has continued to be inaccurately reported. 

Resale of Debt and Duplicate Reporting : The original debt was subsequently sold to another lender, and both the original and new debts are being reported on my credit file as active, resulting in a duplicate entry that significantly impacts my credit score. 

Lack of Proper Notice and Validation : I have not received proper notice, validation, or documentation of the debt 's accuracy from either the original creditor or the subsequent debt buyer. 

Violations of Consumer Protection Laws 15 U.S. Code 1681b : Credit reports must be accurate, and lenders must have a permissible purpose to report debts. The duplicate reporting of this debt and its inaccuracies violate this requirement. 
15 U.S. Code 1681n : The continued reporting of incorrect debt balances and duplicates suggests willful noncompliance with the FCRA. 
15 U.S. Code 1681o : At the very least, the handling of this debt reflects negligent noncompliance, causing significant harm to my credit standing. 
Uniform Commercial Code ( UCC ) 9-610 and 9-611 : The sale of repossessed property requires creditors to provide notice of sale and ensure commercial reasonableness. If proper notice was not given, this could constitute another violation. 
Impact on Credit and Financial Standing These actions have resulted in : Significant damage to my credit score. 
Denial of credit opportunities due to the false portrayal of my financial obligations. 
Emotional distress caused by the financial uncertainty and frustration of dealing with repeated inaccuracies.

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 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
MRS BPO LLC apparently took over my debt owed the XXXX through XXXX. I am currently enrolled in a debt consolidation program due to financial hardship/unforeseeable life circumstances. The collection agency has been harassing my family member ( s ) and providing privileged information to them about a debt i owe. According to Fair Debt Collection Practices Act ( FDCPA ), the collection agency violated several rights of mine. They texted/called my father multiple times in a harassing manner, they identified themselves as a debt collector and they disclosed personal details of my debt to my family members. 

I have several screenshots proving this violation of my rights and the harassment of my family. The most recent harassment/violation occurred today XX/XX/year> at XXXX XXXX. I contacted the company themselves and told them that they violated my rights and that i would press harassment charges if they continue to harass my family.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Our original goal was to update my spouse 's name on her Citibank Costco Anywhere Visa Credit Card from Citibank. We have had this credit card since XXXX. 
Per Citibank & Costco, we were to go into our local Costco, update her name there first then contact Citibank to receive a replacement card. We went to our local Costco at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and quickly updated their information with the updated last name. 
The same day, I requested a replacement card from Citibank through their automated service. This takes 5-7 business days. 
After two weeks/10 business days, we did not receive a replacement card. 
I attempted to use their automated service 3-4 more times before calling them on/around XX/XX/XXXX to speak with someone to issue a new card. 
The person I spoke to put a rush delivery of 1-2 business days on this request. Unfortunately, it never arrived and I have then chatted with Citibank via their online support through Citi.com numerous times to request a replacement/new card with the most recent times on Friday XX/XX/XXXX and Thursday XX/XX/XXXX. 
After every contact, they verify my address, answer a few questions as to why this is taking 1, 2 and now 3 months for a replacement card and " send '' a replacement card with either rush delivery or normal delivery but has never arrived. 

Separate from this, an address update request was unfortunately automatically & incorrectly updated by USPS to Citibank on/around XX/XX/XXXX. This was due to my father in law moving out early in XXXX, putting a notice into USPS and because his last name and my spouse 's maiden name are the same, they incorrectly thought her mail should go to XXXX and notified Citibank of this. I don't believe this is still a problem, but could have been an issue on our first request. This was updated around XX/XX/XXXX on Citibank 's website so all addresses on our account with Citi are the correct mailing address going forward to today.

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 2025-01-09 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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