vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had an old XXXX  bill that was XXXX XXXX XXXX that was charged off that I never opened, I complained about it being identity theft so I believe it was taken off but know I just received a notice in the mail from Jefferson capital on XX/XX/2024 saying they bought this old account and they are demanding payment from me of XXXX, XXXX cant pay them if I dont owe them or have any contract wit me and that company with my name or signature on any paperwork agreeing to any terms as stated in 15 u.s.code 1601 and also 15 u.s.code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Removal of Erroneous Hard Inquiries from Credit Report CFPB Complaint No. XXXX Dear Equifax Information Services , I am writing to express my concern regarding four hard inquiries listed on my Equifax credit report XXXX which I have previously disputed through a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under the complaint number XXXX. Despite providing all necessary documentation to prove my unawareness and non-authorization of these inquiries, they still remain on my credit report, negatively impacting my credit score. 
I would like to highlight that the other two major credit bureaus have already acknowledged the validity of my complaint and have removed these inquiries from my credit reports. This action was taken after recognizing the potential negative impact and the lack of any linkage to my accounts, as per the evidence I submitted. 

Moreover, I had a conversation with XXXX XXXX, a supervisor at Equifax ( Agent Number XXXX ), on XX/XX/year>, who assured me that Equifax would " follow suit '' in removing these inquiries, considering the action taken by the other bureaus. Despite this assurance, the inquiries remain, and no further communication or resolution has been provided by Equifax. 

The continued presence of these inquiries on my credit report is concerning and suggests a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - **Section 611 ( 15 U.S.C. 1681i ) **, which requires Equifax to conduct a reasonable investigation into the disputed information.

- **Section 623 ( 15 U.S.C. 1681s-2 ) **, which mandates furnishers to provide accurate information and investigate disputes received from consumer reporting agencies. 

Enclosed are copies of the removal confirmations from the other two credit bureaus and all relevant documentation previously submitted to support my claim. I urge Equifax to immediately conduct a thorough and fair investigation into these disputed inquiries and remove them from my credit report as previously discussed. 

Please treat this matter with urgency, as the continued inaccuracies not only undermine my financial integrity but also impede my ability to secure future credit. I expect a prompt response within the mandated timeframe under the FCRA, confirming the resolution of this issue. 

Thank you for your attention to this serious matter. I am keen to see a swift action on your part to correct these discrepancies. 

Sincerely, XXXX XXXX Enclosures : - Proof of Removal from Other Two Bureaus - Copies of Previous Correspondence and Documentation - Record of Call with Supervisor TXXXX  ( Agent Number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
A copy of the loan agreement still has not been provided to prove debt. 

XXXX Original complaint CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: DC

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 explanation
Consumer complaint received 2024-04-30 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: AZ

Complaint narrative:
ILOST 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 EXPERIAN XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 2024-04-30 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: AZ

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My previous loan servicer was fedloans before my loans were transferred to XXXX. In XXXX of XXXX, I was advised that one of my loans would the eligible payment count and would be discharged once I recertified my employment. At the time I had three separate XXXX XXXX being held by XXXX XXXX. She told me to send in my recertification paperwork and then wait two weeks to apply for the discharge. Shortly after ( XXXX ) applying for the discharge a XXXX told me that I should consolidate them so then the payments that were on loan 1 ( the one eligible for discharge ) would count towards all of the loans, so they would all be discharged. 
I called and applied for the consolidation and included the loan. I was advised by a representative to go ahead and file an appeal ( reconsideration ) on student XXXX just in case my loan wasnt included and they were unable to stop the discharge. I called again and was told they would be able to stop it, so my loan could be consolidated and all my payments could count towards the discharge of all of my loans. Since they were backlogged and in the process of transitioning to Mohella, I began to get anxious and spoke to a supervisor at XXXX XXXX  ( XXXX ) who reassured me that they had stopped the discharge and that I he would send it in writing. I called multiple times only to be told that its a 30 day process. Then XX/XX/XXXX I received an email that my loans had been transferred to Mohella. I called XXXX in a panic and was told they could no longer access my records. 
Mohella then told me that they received all three of my loans and was processing the discharge. Meanwhile, I received a letter discharging the loan and another letter saying that loan XXXX wasnt included in my consolidation because it had been discharged. Once my consolidation went through, my account reflected a XXXX balance. I called Mohella for clarification and they told me that my loan was being discharged. After not hearing anything for a month I called back to inquire about the status and they said that the XXXX balance was a reflection of the consolidation. I also noticed that they changed their outgoing recording to reflect that when it previously didnt. 
When speaking to fedloans I said I was eligible for pslf as an educator and always asked my options. However ; they never told me about the consolidation until after they told me to apply for discharge leaving me with over {$40000.00} in loans that wouldve and shouldve been discharged as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge was made on my Chase credit card in the amount of {$1800.00} at XXXX. I contacted Chase bank first thing on XX/XX/XXXX when I saw the charge pending on my credit card. They informed me that they would investigate it and would reverse the charge during the investigation. They did not. The charge posted to my credit card on XX/XX/XXXX. 

I saw additional details were added to the transaction details once posted to my credit card including the identifying order number. I immediately called XXXX XXXX to see if there was still time to cancel the order. They informed me that the item purchased was a XXXX XXXX and had been picked up curbside at the XXXX XXXX XXXX, XXXX location on XX/XX/XXXX. The item was picked up while the transaction was still pending on my credit card. Unfortunately, there was no way to cancel the order. 

The scammer had somehow gotten my credit card number and my billing information to be able to make the purchase. I still have this credit card in my possession. At pickup, if XXXX XXXX had a policy to ask for the credit card to confirm it matched the order - this could have been avoided because I still had physical possession of my credit card. I am also surprised Chase Bank didn't send me a text message or email to confirm if the transaction was valid. I never have transactions this large ( unless travel related like flight/hotel ), I don't live in XXXX, XXXX, and I haven't shopped at XXXX XXXX in several years ( last purchase I can find from XXXX XXXX is in XXXX ). I wish both XXXX XXXX and Chase had better checks and balances in place to prevent something like this from happening. 

XXXX XXXX provided me with the email and phone number used on the order. The email address has never been an email of mine, but it oddly incorporated my maiden name. The phone number used on the order was my childhood home landline from XXXX years ago. Huge red flag! I am wondering what other company/organization has had a data breach for this scammer to not only get my current information, but also know my maiden name and childhood phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

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 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I applied for XXXX with Mohela in XXXX XXXX XXXX. I made XXXX qualifying payments as of XX/XX/2023. My loans were partially XXXX in the amount of XXXX on XX/XX/XXXX. I still have the other part of my loan XXXX still dangling. All of my loans are at the XXXX qualifying payments and I only needed XXXX for XXXX! People who I have helped apply for XXXX have been fully forgiven before me. Mohela and XXXX XXXX  are steadily adding daily interest to the loans that are suppose to be forgiven already! I want these loans forgiven today! I XXXX for XXXX XXXX for XXXX years and have done everything Mohela has asked me to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 non-monetary relief
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
ILOST 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 EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 2024-04-30 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: DC

Complaint narrative:
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 XXXX. Whos XXXX XXXX XXXXhelpmeoutby 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 it 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: FL

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent SELFINC/XXXX you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I went to move my XXXX cryptocurrency from coinbase to another account. And got a message saying my account was locked until XX/XX/year>. 

They will allow me to cash out my cryptocurrency for USD and move my money back to the bank, but they will not allow me to move my cryptocurrency, exchange or buy more. 

I have been on the phone with them several times. And keep getting the same message that it is being reviewed. That was over 4 days ago and I still have had no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
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 XXXX. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it 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 2024-04-30 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: OH

Complaint narrative:
I dispute this account, and Experian came back as verified. For starters my Name is XXXX XXXX not XXXX XXXX XXXX so that's the first error, So they sent me a letter showing that the account was verified and it belong to me. I disagree with that statement. Then on the letter they sent me, it showing as an open account as you can clearly see its a collection account. So therefore that's 2 errors that I have notice. I have tried to resolve this issue already but I am not getting anywhere.

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 2024-04-30 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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