vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-27 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: GA

Complaint narrative:
They keep threatening me and my cosigners. We been getting non stop calls, emails, and mails. I sent a cease and desist letter to the company to stop all the calls and they are still blowing up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANNER CORPORATION
State: WA

Complaint narrative:
I had a banner Bank account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. XXXX obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: PA

Complaint narrative:
MOHELA took over my loans ( after that last shady XXXX  XXXX or whatever ended their contract- i did not get to pick MOHELA ) and despite me getting approved for standard repayment for an amount of XXXX ( that i am not struggling to afford. am not. NOT being the operative word. i CAN afford my payments ) and they six weeks later still have me paying graduated payment amount since XXXX. I asked them to distribute my payments at the suggestion of your organization using the same template to ask them to distribute extra payment to principal of highest interest, etc. Then i had a payent taken out with auto debit at XXXX ( again, i want it to be XXXX ) so eventually i call on XX/XX/XXXX or XX/XX/XXXX, spend an hour on the phone with MOHELA explaining that i want to give them more money, dept of ed said yes you can give us more money totaling XXXX/month. MOHELA said they need to " process this '' meanwhile interest is accruing becaue i cant pay down my prinicpal because i cant get the standard amount, and if i pay extra by just increasing the payment it's still just paying me ahead ( i'm ahead to XXXX XXXX XXXX despite my request to apply payments a certain way on XX/XX/XXXX. now today, XX/XX/XXXX, i get an email that my IDR plan request was submitted. BY WHOM?! not me!! i am not struggling, i will not be able to take advangage of PSLF, WHY WOULD THEY DO THAT. also, they put me into administrative forebearance for the next three weeks. why????? " Processing '' WHAT IS PROCESSING THE THING I NEVER ASKED FOR? now becasue of this an auto payment wont be pulled, interest will compound, and now they make more money off of me. because " processing '', XXXX and they know it. i literally have the money and they dont want it because they'll make less over the length of my loan. i will put myself through the poor house for the nexet two years to make sure they never get an extra XXXX  out of me. i want them to lose money on me since i call them so much they need to hire another custolmer service agent. two can play at wasting my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-10-27 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.

11. XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my 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 2023-10-27 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: Prosper Marketplace, Inc.
State: DE

Complaint narrative:
In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose

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 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email stating they are trying to collect on a debt I owe to my former landlord. 

i gave them a call on Friday XX/XX/XXXX letting them know that I do not owe any debt and asked them to validate the debt. I also let them know that my landlord and I settled this debt as part of our settlement agreement to resolve the unlawful detainer case they filed in court and that there was a clause in the agreement that was a general lease, releasing both parties I was initially faced with an illegal eviction attempt by XXXX XXXX. Realizing that my relationship with the landlord had become toxic, I decided it was in my best interest to leave the property. After some negotiations, we both entered into a settlement agreement in late XXXX. The terms of this agreement required me to move out by a certain date, in exchange for the cancellation of debt I owed due to XXXX back rent. The agreement also included other promises, like conduct in public forums and a mutual release clause. I fully complied with this agreement by XXXX, a fact confirmed by an email from XXXX XXXX, XXXX XXXXXXXX XXXX attorney, dated XX/XX/XXXX. 

Several months later, XXXX XXXX approached me, demanding payment for a supposed debt that had already been considered and released during our settlement agreement. This isn't just a breach of our agreement; it also constitutes harassment and retaliation. After I refuse to pay the amount, they demanded the matter was forwarded to a debt collection agency that contacted me on XX/XX/XXXX. On XX/XX/XXXX I called them and asked them to validate the debt. I also let them know that the debt that they are trying to collect on has already been settled and let them know that I will provide them documentation. I never received any validation of the debt from them, and I provided them a copy of the settlement agreement in addition to recounting the story to them about the timeline of event, and I never heard back from them. I noticed on XX/XX/XXXX that my credit report showed a debt account in collections by debt collection agency and they reported my debt to a collection agency. I have tried to reach out to the debt collection agency to speak to them about this matter, and they have refused to speak to me, stating that I have some attorney representing me, which is not the case, and they refused to speak to me at all about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Mohela has been horrible to work with. First, my Spousal Consolidation loan should be discharged. I am still having to make payments, although currently I am in forbearance.

Second - I have worked with them on the following dates to set up Income Contingent Repayment plans : XX/XX/ - dealt with XXXX and XXXX - stated Spousal Consolidation " should be discharged here soon. '' In addition, set up the ICR plan for my remaining loans. 

XX/XX/ - transferred from CSR XXXX to XXXX XXXX XXXX XXXX DID send me the form showing the ICR payment - I signed and returned. They denied ICR plan because they said I didn't submit the information. I just submitted the form AGAIN on XXXX XXXX XXXX 

I qualify for PSLF. HOWEVER, I can not make my payments unless they are at the lower amount. Mohela keeps stating I never submitted the form they helped me complete!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: FL

Complaint narrative:
Today XXXX XXXX I received a link from credit karma. It stated my XXXX XXXX disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have three complaints with American Express. Their Customer Service Department failed to ( 1 ) eliminate a {$29.00} Late Fee, ( 2 ) reverse {$6.00} in Interest charges, and ( 3 ) was either unable or unwilling to inform me whether any Delta Miles were added to my account from my XX/XX/ use of the American Express charges for the multiple services I used the credit card as payment for in the billing cycle ended XX/XX/. I paid American Express {$1300.00} on XX/XX/ which was indicated as being posted onXX/XX/XXXXon my next statement, as payment in full for the {$1300.00} balance on my XXXX XXXX statement. I have never been late with any previous payments, always paying my bill " In Full '' each month. 
Their XXXX statement for the following month showed my payment received, but charged me the above fees and indicated I would have to pay {$35.00} to reinstate my " earned '' mileage. This XXXX statement, which indicated an XXXX XXXX close date, was not sent to me. American Express emailed me on XXXX XXXX that the statement was available for me to LogIn to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage loan got transferred to a new servicer, Fifth Third Bank. I tried multiple times to create an online account so that I could pay my mortgage. Each time, the portal said " unable to create online account. '' I tried calling the bank to resolve the issue, but they keep mentioning that I need to wait longer. It has been over a month since the transfer and I am still unable to create the account so that I can pay them properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2023-10-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with non-monetary relief