vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America XXXX Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I have been reaching out to Exeter Finance for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion violated FCRA, FCBA & TILA

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 2024-01-01 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: NY

Complaint narrative:
The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I applied for the SAVE repayment plan for my federal student loans through my loan servicing company Mohela. I received documentation that I qualified for my repayment plan to switch from my current IDR to the SAVE plan. Mohela provided the documents to show that my payments would change drop from {$310.00} to {$87.00} starting XX/XX/XXXX. I made my first payment for my IDR for the {$310.00} amount in XX/XX/XXXX and then had my loans placed in administrative forbearance for the month of XXXX per Mohela. I received correspondence on XX/XX/XXXX that my next payment is due on XXXX for the amount of {$310.00}. I am a XXXX and am already having a hard enough time getting through paying my bills, keeping a roof over my head and food on the table that is why I applied for the SAVE plan to drop my payments. It is frustrating not being able to get through to a anyone at Mohela to inquire about the delay in payment plan change when I have all of the paper documentation on file to show that I went through the proper steps to get approved for my loan payment to be changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have struggled since XXXX to work under the Public Service Loan Forgiveness Plan. Recently, Mohela has taken over servicing the loan. I have attempted multiple times to request for Mohela to correct the incorrect information they have about the number of payments I have made under PSLF and the number of payments remaining and Mohela continues to leave incorrect information, tries to get me to not make payments on my loan and also to not reflect the payments I have made. I have THREE payments remaining of the XXXX. For XX/XX/XXXX, XX/XX/XXXX and the FINAL Payment on XX/XX/XXXX, the FINAL payments are XXXX, XXXX and XXXX. I believe that Mohela is acting in bad faith with multiple borrowers and they are trying to keep people in debt when we have worked very hard under the PSLF program. Mohela sent me the attached letter in XX/XX/XXXX showing I had 8 payments remaining as of XX/XX/XXXX. Then in XX/XX/XXXX, they sent me a letter showing I had 8 payments remaining and again in XX/XX/XXXX showing I had 6 payments. I made 5 more payments during the period of XX/XX/XXXX to XX/XX/XXXX and have THREE payments left on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Mohela keeps trying to change the payment amounts or tries to have me pay nothing, tries to defer me and sends inaccurate information. I would like CFPB to prevent Mohela from acting in bad faith toward borrowers and correct the number of payments I have made under PSLF which is XXXX. On XX/XX/XXXX, I will be making my XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Lost my phone and there were PayPal purchases on PayPal account totaling XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized inquiries on my Equifax credit report that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: MS

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an auto loan account with Account XXXX XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with XXXX XXXX XXXX, requesting a thorough investigation into its origin and legitimacy. 

I am pleased to inform you that XXXX has independently verified my claim and has agreed with my decision. They have taken immediate action to remove and block this account from reporting on my credit report. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with XXXX XXXX XXXX, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of Experian and XXXX in resolving this matter. 

I kindly request that each credit bureau investigate this dispute and take appropriate action to ensure XXXX XXXX XXXX complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to XXXX XXXX XXXX, along with any supporting documentation related to this case.

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 2024-01-01 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: WI

Complaint narrative:
Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with XXXX, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with XXXX, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2024-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XXXX, XXXX  I sent out proof of verification letters to XXXX, XXXX, and XXXX, the account in question is ProCollect Inc. I have not been updated on this process even though I have disputed this account that is not mines. 

The following tracking numbers for proof of delivery for this letters are : 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 explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Block, Inc.
State: IL

Complaint narrative:
Afterpay hired a XXXX XXXX collection agency called XXXX. I've repeatedly asked XXXX  to stop emailing and to only communicate via usps. They still emailed. After filing a complaint I've learned that they have given the debt back to afterpay who started emailing. I ask them to stop emailing and send validation via usps to address on file. However they are still emailing. This is a clear violation of the fair debt collection act.15 U.S. Code 1692c - Communication in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied and was approved for the American Express Hilton Aspire card. They had advertised XXXX bonus points once approved with a minimum spend. 

After I reached the minimum spend and was not compensated I messaged them. They said I was not eligible for it ( they did not disclose this after I was approved ) Extremely misleading especially for a card with such a high annual fee. I had never applied for this card before and have received a bonus from another American express card but it was the platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I filed for an adjustment for my student loan one month before repayment. I turned in all the forms and filled out the necessary information with the customer service agent. I was told I qualified for a XXXX dollar a month payment and the first bill came out stating that I owed over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

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 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems XXXX Inc ( TSI ) contacted me using US mails on XX/XX/2023. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation contained their symbol, which violates the Fair Debt collection practices act [ 15 usc 1692 ]. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ].

These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. 
On XX/XX/2023 I requested the following : *The principal amount you claim I owe you. 
*An explanation showing me how the amount was computed. 
*Copies of contract and/or application which proves I agreed to pay you the alleged amount. 
*General Accounting ( GAAP ). 
*Proof you are not violating HIPPA LAWS. 
*Valid copy of license for debt collection in the State of Arizona XXXX 
To which TSI could not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.

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