vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
My federal student loans are serviced by MOHELA. On XX/XX/year>, MOHELA provided me with a letter through its servicer portal announcing that my account was being placed on " Administrative Forbearance. '' The letter did not explain the reason for the forbearance. The letter did not state the start or duration of the forbearance. The consequence of the forbearance on my progress toward Public Student Loan Forgiveness ( PSLF ) eligibility was not addressed in any manner in the letter. MOHELA did not provide me with a billing statement for XX/XX/year>. I then contacted MOHELA requesting that it provide me with the billing statement. MOHELA responded : " Your request to email the MONTHLY REMINDER TO DIRECT DEBIT BORROWERS sent on XX/XX/year> has been submitted. The document will sent via secure message to the email address on file. '' This response was not relevant to my outreach. However, MOHELA 's message continued : " Over the next several months MOHELA and Federal Student Aid ( FSA ) will be transitioning to a new loan servicing platform. Accounts will transition in waves each week over the next several months. MOHELA and XXXX will be reaching out to let borrowers know that their accounts will be transitioning to a new loan servicing platform. Your XXXX Transition scheduled to begin on XX/XX/year>. '' On XX/XX/year>, MOHELA provided me a letter through its portal that my loans had transitioned to a new platform. The letter provided no information about the end of the forbearance or the consequence of the forbearance on my progress towards PSLF eligibility. Also on XX/XX/XXXX, MOHELA provided another letter stating the forbearance would end on XX/XX/year>. This letter provided no information about the consequence of the forbearance on my progress towards PSLF eligibility. On XX/XX/year>, Federal Student Aid updated my PSLF eligible payments in its portal. The months of XXXX and XX/XX/year> were deemed ineligible due to forbearance. MOHELA provided no notice that its forbearance, the cause for which I had no part in, would result in the loss of two months ' progress towards PSLF eligibility. No remedy is being provided by MOHELA or Federal Student Aid to address MOHELA 's omissions when implementing this forbearance for its own convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: OR

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the 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 dispute by a consumer, an team of the 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. XXXX XXXX XXXX on my report is inaccurate, I reached out to the lender directly on XX/XX/year> and spoke with a supervisor Agent No # XXXX since this account has been closed and paid as to the terms and agreement they are unable to send me any information on this account I had mentioned the late payments on my report that are not accurate and they have no idea why and can not send me any verification to clarify this on my report, I ask that this be reverse to paid as agree remove the late payment since my account has never been late and is paid in full.

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 2024-12-07 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: OR

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the 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 dispute by a consumer, an team of the 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. XXXX XXXX XXXX on my report is inaccurate, I reached out to the lender directly on XX/XX/year> and spoke with a supervisor Agent No # XXXX since this account has been closed and paid as to the terms and agreement they are unable to send me any information on this account I had mentioned the late payments on my report that are not accurate and they have no idea why and can not send me any verification to clarify this on my report, I ask that this be reverse to paid as agree remove the late payment since my account has never been late and is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXX XXXX XXXXL Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent inquiries origination and identity theft. This fraudulent inquiries should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this inquiries that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent inquiries origination and identity theft. This fraudulent inquiries should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this inquiries that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
This claim arises from actions by XXXX XXXX XXXX XXXX XXXX ), a debt collection company, and an alleged law firm, regarding an alleged debt owed to the Cash Store in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others contacted me and my mother and claimed I had an outstanding balance of {$4300.00} via texts, phone calls, and other means. I informed her that this debt was already resolved and paid in full to another debt collector, XXXX XXXX XXXX XXXX XXXXXXXX. I also provided more documentation showing proof that XXXX XXXX XXXX closed the account already. Despite thisXXXX XXXX XXXX XXXX threatened that I had two days to pay them or they would take legal action in the form of civil judgements and claimed that I committed an attempt to defraud a financial institution with intent. 

I requested documentation proving their legal right to collect the debt, licenses and registrations showing they are a lawfirm and/or approved debt collector, and an itemized breakdown of the balance and fees of the alleged debt. 

XXXX XXXX, an alleged paralegal at XXXX XXXX XXXX assured me that if I paid them immediately, they would halt the legal action and reimburse me once I provided proof of payment from any previous debt collection agency. Acting in good faith to avoid legal action, I made the payment and subsequently sent them a copy of the paid in full letter from XXXX XXXX XXXX along with my bank statement showing the XXXX payment, and a " closed account '' statement from XXXX XXXX XXXX. Both of which prove that this debt had already been resolved. 

Despite my efforts, XXXX has repeatedly denied receiving the documentation from XXXX XXXX XXXX They have not issued a reimbursement for the payment I made to them, nor provided any paperwork proving their legal authority to collect this alleged debt, or an itemized breakdown of the alleged balance and fees ( Verification of Debt ) for about two weeks now. 

I have attached a copy of the paid in full letter from XXXX XXXXXXXX XXXX and my bank statement showing the XXXX payment which resolved this debt years ago. 

XXXX XXXX XXXX and their representatives potentially have made material misrepresentations of their legal authority to collect this debt, made threatening accusations and threats of legal action, materially misrepresented the amount I owed to the Cash Store, and illegally collected an already resolved debt despite multiple attempts to prove the debt was settled, and innapropriately threatened legal action and made accusations that I broke the law and would be charged for Attempt to Defraud a Financial Institution with Intent. 

Therefore, several provisions of the Fair Debt Collection Practices Act and several state laws have potentially been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
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 notice, which I have attached once more again for your record!

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 2024-12-06 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-12-06 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: GA

Complaint narrative:
I am writing to formally request that the following accounts be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these accounts from my credit file due to fraudulent activity or unauthorized use resulting from the breach of my personal data.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$140.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1700.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$360.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$360.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$410.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, XXXX : {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief