vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
I am submitting this complaint to resolve an issue with MOHELA regarding my student loan refund following the discharge of my loans due to 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Department of Veterans Affairs established my XXXX XXXX XXXX XXXXXXXX effective date as XX/XX/year>, as documented in the attached VA letter. However, MOHELA and the Department of Education incorrectly recorded the effective date as XX/XX/year>, resulting in a failure to refund {$3500.00} in payments I made after the correct effective date. These refunds are required under 34 CFR 682.402 ( c ) and 685.213. 

Despite numerous emails, phone calls, and complaints to MOHELA, the Department of Education, and the Federal Student Aid Ombudsman, this issue remains unresolved. XXXX has twice confirmed they resent the discharge packet with the correct effective date to MOHELA and FSA, but no action has been taken. 

I request that the effective date be corrected to XX/XX/year>, and the {$3500.00} refund be issued immediately. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I applied for credit with this company. It was a lease to own. I had 90 day to pay off and it went over 90 days and XXXX turns to XXXX dollars. I paid the bill off but I struggled. Each month I was giving them XXXX a month. I will never go them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-20 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: OH

Complaint narrative:
On XX/XX/year> I entered into a Predatory loan agreement, After going to get a personal loan. I was told I did not qualify for a personal loan but I could qualify for a vehicle refinancing loan. Placing me in a loan With a host of Insurance Premiums, additional add ons and fees. I already had insurance for the vehicle for years before entering into the agreement. I was totally unaware of it at the time when I signed the agreement. Upon receiving and reviewing the contract and studying later I noticed that I was charged in interest more than the penal XXXX XXXX of 25 %. In the State of Ohio. I was charged 25.91 % over the state limit. This company is currently suing me for the amount of ( {$13000.00} ) plus interest at 24.99 % and Attorney fees and court cost. These people have no regard for consumers they just continue to take advantage financially in any way possible. Without regards to laws and regulations.The consumer is left to fend for self.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Complaint Against XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upstart/Finwise for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting.

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX is required to issue a 1099-C to me and the IRS. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and XXXX XXXX : XXXX is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a XXXX was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation.

2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided. 
XXXX. Provide all documentation related to the ownership, transfer, or sale of the debt. 

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-20 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: FL

Complaint narrative:
15 U.S. Code $ 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim 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 2024-12-20 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: NC

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit report, dated XX/XX/XXXX. These inquiries were made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681 et seq., Section 604 of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances. 

The following inquiries on my report were made without my authorization : 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 XXXX 
I did not apply for credit, insurance, or any other service from these entities, and as such, these inquiries are a violation of the permissible purposes outlined in Section 604 of the FCRA.

I respectfully request that you : Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit report, dated XX/XX/XXXX. These inquiries were made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681 et seq., Section 604 of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances. 

The following inquiries on my report were made without my authorization : XXXX XXXX - Inquiry dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX. 
XXXX XXXX - Inquiry dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX - Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX. 
I did not apply for credit, insurance, or any other service from these entities, and as such, these inquiries are a violation of the permissible purposes outlined in Section 604 of the FCRA. 

I respectfully request that you : Please remove

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Requested more than four written requests since 2023 via U S postal mail, including all verifying documents to refresh.my profile. This situation with my BLANK credit profile is causing credit denials with personal and business products through banks and lenders that use EQUIFAX. This is not conducive as to how I run. my business and personal life. I have made several attempts to rectify this situation with Equifax, and it has not been resolved at all. They need to refresh my credit profile due to the BLANK FILE. I have also called three times and emailed them for several months, but no CHANGES have been made. I have attached a recent denial from a vendor who confirmed via phone that the bureau was Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC
State: DC

Complaint narrative:
I was notified by my employer on XX/XX/XXXX that a garnishment was being taken out of my account. I was not notified by Glasser and Glasser P.L.C. There was no prior notice and funds were immediately taken out on XX/XX/XXXX. Again there was no notice outside of the email from my employer, no option to try to handle any other way, I didn't even know that the company was trying to collect payment. This is credit card debt from XXXX that has already been written off by the original lender and this account is also no longer on my credit report. Before wages were garnished, I should have been notified or given other options to settle or make payment arrangements. I was blindsided and was not able to pay rent on time. Nor will I be able to pay for rent the following month on time due to the amounts that were taken : Week 1 - XXXX Week 2 - XXXX Week 3 - XXXX Week 4 - XXXX Total XXXX On the garnishment notice I received from my employer, the garnishee is a name that I don't recognize : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report dated XX/XX/year>. The following accounts contain incorrect or unverifiable information : XXXX XXXX Issue : Status reported as " Paid in settlement, {$990.00} written off. '' I request verification of the payment details, including the settlement amount and dates, as this information may be inaccurate. 

XXXX XXXX XXXX Issue : Status reported as " Account charged off, {$690.00} written off. '' I dispute the accuracy of this status and request validation of the balance and payment history. 

XXXX  XXXX XXXX XXXX Issue : Balance of {$19000.00} reported as past due. I request a detailed verification of this balance and ensure its accuracy, as it may contain discrepancies.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts and provide the results in writing. If the information can not be verified, I request its removal from my credit report. 

Please remove

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have multiple Charge offs for various months throw out the year ensuring the company has been paid through their insurance. They have maliciously reported charge off every single month since XX/XX/year>. The refused to extend their part of the contract which included fixing the vehicle or extending a new one as replacement therefore voiding the contract. To my knowledge a charge off is done once not {$11000.00} every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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