vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I XXXX XXXX XXXX, a natural person, letting the CFPB know that The XXXX XXXX XXXX is reporting a fraudulent account ( # XXXX ) on my credit profile. I DID NOT GIVE TRANSUNION, or XXXX CONSENT to put this on my profile. This account is damaging my credit worthiness. According the FCRA, a collection of an account is a permissible purpose to obtain a consumer report ONLY when the collection is in connection with a credit transaction. I did not apply for ANY credit/loan with XXXX XXXX of XXXX XXXX , nor did they have my written consent to put this onto my profile. Due to this fraudulent account on my credit profile, I have been denied credit and my report has taken a serious hit, dropping my score tremendously. This is in violation of the FCRA, and if not deleted, I will sue TRANSUNION and XXXX because they were put on notice and is willingly furnishing false information. Transunion and XXXX have been put on notice since XXXX. I have attached my letter for Validation sent to them on XX/XX/2023. I also have attached the DOJ letter, Validation of Debt, Notarized, the Transunion Notice, Notice of Demand for Responsibility Contract from the Child Support Agency, and lastly a Notice of Deletion to XXXX. None of the entities have responded. This account gas been deleted by XXXX already as they did not want me to proceed to Arbitration for damages.

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 2023-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am not liable for this debt of {$1100.00} with Holloway Credit Solutions. Holloway Credit Solutions account number is unknown. **** I do not have a contract with Holloway Credit Solutions. They did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice. 

Thank you, XXXX 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 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This issue its already been for 3 months already and my feet got injury and someone harassing me by calling me everyday even I block his number ; bank doesnt help me to let me us my own belongs without telling me anything. I dont understand no one tell me anything about what happened, and they play metal games, I receive so many suspicious mails and I dont know which one is the real which one is not ; who is the real agent and who is the fake. I may going end up in mental health, I dont even know what did I do, I just told the person to stop and he just threatening me and show the XXXX in his profile picture and he keep calling me and never stop, I dont know why he is still here bothering me since I report long time ago. I dont know why being discriminated about what I had been report but never get responds and I dont know why I have to take the mental and physical abuse, and stop me to work and I cant use my saving. Thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.

Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.

IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.

I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the

consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX 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 ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
I paid this balance of {$560.00} on XX/XX/2023 for a medical bill to that Remex bought from the company. Which has not been undated and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is reporting inaccurate information on my credit report. 

That is a violation of the FDCPA. They Have to report accurate information or delete the account of the consumer report. 

below is the proof of inaccurate reporting on my consumer report. 

15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: Open Dealer Exchange, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX 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 ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I signed up for a XXXX XXXX Wells Fargo Card and immediately signed up for auto pay. Wells Fargo did not process this and I ended up being more than 30 days late with my payment. I received no notification from Wells Fargo about the late payment electronically or by mail at any one point, even after 30 days. My credit score has been devastated and I had to pay {$120.00} in late fees and interest. When I realized the missed payment, I immediately made payment.

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 2023-12-10 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: Open Dealer Exchange, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: MO

Complaint narrative:
On XX/XX/XXXX I received a letter from MOHELA indicating that I had made XXXX PSLF qualifying payments. 

On XX/XX/XXXX I received a letter saying my student loan had been forgiven under the XXXX program. 

On XX/XX/XXXX I called MOHELA asking about if the XXXX extra payments were eligible for a refund. XXXX indicated that any payments made after XX/XX/XXXX would be reimbursed from the Department of Treasury. She indicated it could take up to 90 days to receive a refund. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. After hours of waiting and XXXX disconnections, a supervisor named XXXX advised me that there had been a mistake in processing and I was due a refund but it had not yet been processed by the Department of Treasury. She said she would ask for the process to be expedited since it had already been such a long time. 

I received a call from XXXX indicating that my refund was approved by the Department of Treasury on XX/XX/XXXX. The refund could take up to 90 days. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. I was told that I was due a refund of {$10000.00} and I needed to give it at least 90 days from the date of approval. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund and I was told it had not yet been processed by the Department of Treasury and to continue waiting. The customer service representative confirmed the refund in the amount of {$10.00}, XXXX. 

It is now XX/XX/XXXX and I have not received a refund. I have spent no less that XXXX hours on the phone with MOHELA. I have asked for written documentation that I am entitled a refund, and they refused. I asked for some form of communication from MOHELA when the refund has been processed and they have never communicated with me. I have asked to speak to numerous supervisors or for a number I can call at the Department of Treasury and they said they were unable to do that. The only thing I have every been told is to keep waiting. It has been almost a year since my loans were forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My current address is : XXXX XXXX XXXX XXXX, GA 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