vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: MO

Complaint narrative:
My request for the recertification of my repayment plan was denied based on wrong information - MOHELA send a denial letter claiming that I had a parent plus loan and was not eligible for an income-based repayment plan. 

However, I do not have a parent plus loan and have been on the PAYE plan XXXX XXXX. The one student/graduate plus loan that I do have, I confirmed remains eligible for an income-based repayment plan. The letter and the MOHELA website contained no dispute information or how to challenge them on this specific type of error. 

I had to call in and wait for over an hour to speak to a representative, who was very kind but could not provide me any resources on how to dispute this other than her working for a half hour to manually withdraw the decision and send it back through the system, since she also confirmed that the decision made no sense and was a mistake. 

If left alone, this would have meant that I was kicked off my repayment plan, and would also no longer be eligible for PSLF, as I have XXXX years left of repayment. Compared to my experiences in the past where the Department of EducationXXXX XXXX XXXX XXXX and approved the recertification of repayment plans which went very smoothly, MOHELA having control over this process is a disaster much like the rest of their take over has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery wont stop calling me. They call me multiple times a week and sometimes even multiple times a day. It is from different XXXX area code phone numbers. Ive blocked them as theyve come in but they continue to call. I do not owe any debt. I would appreciate it if they stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I checked my credit report because I saw hard inquiry for capital one credit card I didn't apply for. An account was opened without my consent or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally report an incident of identity theft that involves a fraudulent account on my consumer report. This account is associated with Jefferson Capital Systems account number # XXXX Date of Initial Contact : XX/XX/XXXX On this date, I wrote a letter to Jefferson Capital Systems requesting validation of the alleged debt pursuant to 15 USC section 1692g. I did not receive any response from the company after waiting a reasonable time of 30 days. 
Date of Follow-Up Contact : XX/XX/XXXX After receiving no response, I sent a follow-up letter to Jefferson Capital Systems exercising my rights for validation of this alleged debt. Again, I did not receive any response from the company. 

Jefferson Capital Systems has not provided any validation of the alleged debt. Additionally, they do not have any permissible purpose to pull my credit or furnish my private information on my consumer report. 

I am reporting this fraudulent account as a case of identity theft pursuant to the following statutes : 15 U.S. Code 1681q Obtaining information under false pretenses ( Fair Credit Reporting Act ) 18 U.S. Code 1028A Aggravated identity theft ( Identity Theft and Assumption Deterrence Act of 1998 ) Summary of My Actions : Sent initial validation request on XX/XX/XXXX with no response. 
Sent follow-up validation request on XX/XX/XXXX with no response. 
Verified that Jefferson Capital Systems lacks permissible purpose for their actions. 
I request the CFPB to investigate this matter and take appropriate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

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 non-monetary relief
Consumer complaint received 2024-05-29 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: IL

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 non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
XX/XX/scrub>XX/XX/2024 Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

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 2024-05-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to disability and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are lying. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except XXXX. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to XXXX and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: KS

Complaint narrative:
The balance for my mortgage loan through XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for TransUnion and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from XXXX XXXX XXXX ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and TransUnion, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

TransUnion File ID Number : XXXX XXXX Dispute Number : 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 2024-05-29 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: KS

Complaint narrative:
The balance for my mortgage loan through XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for XXXX and Equifax XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from XXXX XXXX XXXX ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and XXXX, Equifax, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

XXXX File ID Number : XXXX Equifax Dispute Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX called me to which I responded I refused to pay, and to cease communication. onXX/XX/XXXX I received a letter DatedXX/XX/XXXX in the mail purposing a payment plan collection letter. I emailed the company they were in FDCPA Violation 15 USC 1692c Communication in connection with debt collection. Due violating federal law,, I would like the company to remove all negative reporting from my credit report with XXXX, Experian, and XXXX. Failure to do so will result in a lawsuit against XXXX XXXX XXXX, XXXX. Upon review of the letter I was sent. XXXX XXXX XXXX, XXXX is not currently licensed to pursue consumer debt in the state of CALIFORNIA.

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 2024-05-29 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: TN

Complaint narrative:
I have pulled my most recent credit report and noticed inaccurate and invalid information on my consumer 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 non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit is trying to sue me for a {$1200.00} debt that isnt mine I then closed the account when I found out and they told me it was closed then the summons came.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MS

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 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 2024-05-29 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:
Please assist in deleting these items from my credit report within 4 days after you receive this notice. I am willing to accept the deletion of these unauthorized and erroneous items instead of pursuing legal action for the violations committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America immediately Stopped all communication when I gave them proof on there own letterhead of Breach of Fiduciary Duties, and Grand Larceny, they would not give me there bond, Insurance. they hung the phone up several times on Me. 
Not being accountable or responsible for their willful wrongdoing. This was done over 45 Times. They are a Holding Company with the name Bank attached. Operating in financial affairs. On going battle since XX/XX/XXXX. So I'm asking for CFPB to do that which is Right and Equitable. Enforced The Law XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have All Dates 121 pages.

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 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I believe the account is invalid. LVNV FUNDING needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. LVNV FUNDING XXXX and LVNV FUNDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: KS

Complaint narrative:
The balance for my mortgage loan through Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for XXXX and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from Bank of America ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and XXXX, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

XXXX File ID Number : XXXX XXXX Dispute Number : 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 2024-05-29 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The Milestone credit card account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my XXXX XXXX report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. Milestone did remove the account but has not removed the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
XXXX XXXX XXXX This account does not belong 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 non-monetary relief