vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
In XXXX, I made an attempt to pay off my loan, not realizing I was entitled to XXXX loan forgiveness. I have spoken with Mohela several times over the last XXXX months, each time being reassured the money would be refunded within 60 days, but each time this doesn't happen and a new request must be made. They claim to be doing something each time, but each time it appears that nothing happens. They are giving me the runaround.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 
Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me : MIDLAND CREDIT MANAGEMENT XXXX {$1200.00}, MIDLAND CREDIT MANAGEMENT XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A XXXX 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 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 2024-04-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2024-04-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I checked my credit profile and saw some inquiries that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
WHILE TRAVELING TO XXXX XXXX I LOST MY CELL PHONE ON THE PLANE. 
WHEN MAKING PURCHASES IN XXXX XXXX, my credit card picked up something unusual and texted me to approve a transaction. Well, obviously i couldn't approve because i didn't have phone, and i tried to do instant verification and it didn't work either ( don't know why. ) I had all of my money in my chime account and no way to buy my flight home. i received the same XXXX answer over and over on the phone for over XXXX hours while on XXXX they did not help me at all and did not care, couldn't offer any solution or alternative ( even though i could access the app, had ID, could provide any information about myself to verify account. ) In the end by a family members generosity i was able to get a flight home, but had to sleep in the airport the last XXXX XXXX  because my card stopped working altogether. I will admit I did get hot with the person on the phone, because of the condescending manner in which they spoke to me. I was suppose to receive follow up on this, which I did, that the account was closed, but I never really was told why. Well, in the midst of all of this I noticed fraudulent activity on my cards ( one specifically was an {$1100.00} hotel bill that i used a different card to pay XXXX, XXXX  have receipt as proof. ) They will not allow me access to look at any of my transactions/statements, which I need to verify all of my transactions. I also am applying for below-market rate housing opportunities and they are specifically requesting bank statements from a time period I do not have. I have asked them OVER FIVE TIMES to please send my statements at least so I don't loose this affordable housing opportunity. And radio silence. Chime is TRULY a terrible company, with no regard for quality customer service, just cheap phone operating

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX  XXXX, Acct # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
They keep lying to you and sending me these types of letters. Each time I submit I send in who I am. This is a serious violation and it should take o e day for them to clear up. Apparently the credit bureau do not read my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website has the car price at XXXX. I get to the dealer and now the car is XXXX. No explanation. The website states that there was no accidents but on the passenger side front was damaged but painted over. The main problem is the option charges that I was signed up for and was never explained nor given the option to decline. Now they want me to pay XXXX a month, when I traded in my old XXXX where on the contract says it was sold for XXXX. I have been trying to contact finance of the dealer but he is either sick or not in. Buyers beware! 
Don't leave until you get everything explained. Save you a lot of time and money. Watch out for OPTIONAL gap contract. Windshield protection, both XXXX, service contract XXXX, I am going with XXXX for this, much cheaper. Also an XXXX fee for XXXX and you can do it for XXXX with labor

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 monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: Affirm Holdings, Inc
State: TX

Complaint narrative:
company overcharging me and hitting up my credit report. I been paying, and they sent me to collections and charge-offs. I been paying for products that don't work, from XXXX. They won't acknowledge that the company sold me bad products. 

Resolution stop attacking my credit report and I paid off my chargeback and collections accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
this company " XXXX Credit Collection Service '' that represents XXXX XXXX XXXX who is reporting this item on my credit report after XXXX XXXX XXXX instructed them to stop collection activity and close account on XX/XX/2022 By continuing to report this item on my credit report is a collection activity. Im also requesting them provide proof that they as a third company to report this account on my report without giving me any prior notice as the law states... PLEASE DELETE ACCOUNT from all XXXX credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
Tsc contacted me on XX/XX/24 regarding a missed medical co pay to my child 's medical office. The representative did not say it was a recorded line and was calling on behalf to collect a debt. I clarified I was just made aware of the issue on the XXXX the day before with my child 's medical office that they have an insurance bill error over the phone with their biller rep and my insurer on the phone line to confirm with me. Due to the error and the address error my child 's med office had I never received any notice of this uncollected balance as I always assure all balances are paid. My child 's XXXX XXXX said I would be contacted by their office Wednesday the XXXX to clarify the only balance I have is {$18.00} for another service date. The TSC rep stated the bill was for XXXX my child but did not say or provide who the original creditor was and or for nor when they received the account to justify an up charge of {$10.00} although I have that info from my child 's medical office that it was XX/XX/24 they sent the balance out for a collection. The TSC rep demanded I pay {$55.00} and I stated the balance the office stated was {$45.00} and it's what shows on my child 's account. The rep then stated I owed {$55.00} due to fees and I said well I'd like to await for a call back from my child 's office manager wed as I was just informed on XX/XX/24. He demanded I pay the {$55.00} and he stated he would add interest daily and report the sum to my credit until paid cause I just admitted I had notice when I stated I was just informed XXXX hours prior. I do not owe TSC anything. He then stated pay your bills and hung up on me!. He called me again and I stated I invoke to be further contacted by his co TSC as instructed per my attorney for they do have collection violations committed by TSC. Per my attorney this representative already violated FDCPA laws, and I will pursue legal action for the illegal conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX. I tried disputing an inaccuracy on my Experian credit report, from a company : XXXX XXXX XXXX XXXX, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; XXXX. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my Experian credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : XXXX also XXXX. Due to this falsely remaining on my Experian credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that XXXX provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my Experian credit file.

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 2024-04-02 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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:
This account is reporting to the consumer reporting agencies as late. I was not late on this account. I want to ensure that the consumer reporting agencies receive my letter with no interference or stalling.

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 2024-04-02 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: TN

Complaint narrative:
This account is reporting to the consumer reporting agencies as late. I was not late on this account. I want to ensure that the consumer reporting agencies receive my letter with no interference or stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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