vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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:
I am a recent XXXX XXXX graduate and my loans have been an issue since I graduated. I had applied for consolidation and income based repayment upon graduation. Some of my loans were consolidated, and sent to Mohela. With recent rulings over the XXXX plan I was illegible to apply for the XXXX plan, but per the Federal Student Aid website I should have been placed into an interest free forbearance period by my servicer, Mohela. I have attempted to contact Mohela no less than XXXX times via telephone and over XXXX times via customer service requests to have this matter resolved. I have spoken with XXXX individuals when my calls were eventually returned and they both shared conflicting information about my loans and no action has been made to put my loans in interest free forbearance. Due to this, I have accrued thousands of dollars in interest due to their neglect. It is unreasonable, as this loan servicer is decided for the borrower without their approval, and there has been a known track record with Mohela for treating their customers incorrectly. 

I initially had a payment due on XX/XX/year> for over {$400.00}. I contacted Mohela and they said this was not appropriate and I would be in forbearance. This would be an interest free forbearance per the XXXX website. This did not happen however. 

I have still not been placed in the appropriate forbearance and have accrued XXXX in interest. This needs to be resolved by Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX bal. {$280.00}

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 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The local branch of one Main financial has called me everyday, several times a day for weeks. 
Between XXXX to 5 times a day. Every day but Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Secure One Capital Corporation
State: CA

Complaint narrative:
Secure One Capital Corporation ( NMLS XXXX ) uses an automatic dialer to market current refinance opportunities. The caller ID is ( XXXX ) XXXX. Once you answer, you can press XXXX for more information ( and eventually be transferred to a sales associate ) or press XXXX to opt out of future calls. The issue is that after you're advised of option XXXX, when option XXXX is provided, you have less than a second to select it and stop future calls. That is extremely unreasonable and a tactic to force your number to remain on their call list. While I understand they have a business to run, they also need to be fair and give the consumer a reasonable opportunity to stop unsolicited phone calls through their automatic dialer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an inquiry that I don't recognize nor have applied to on my credit report, which is really concerning, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately.

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased.

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-23 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:
Hi TransUnion, I just received a copy of my credit report today and I can not believe what I see. 
Someone stole my identity to open a fraud XXXX XXXX CREDIT CARD without my knowledge. 
I was on the phone with a fraud team supervisor from the credit card company ant they told me that this fraud account shall be delete from my credit report because they no longer have it on they system. This fraud credit card was flagged by the fraud team and he said I have a right to delete this inaccurate fraud account from my credit report. 
I would like to exercise my right and have this fraud credit card delete 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute inaccurate information in my consumer report and request the removal of outdated information maintained by LexisNexis. I recently conducted a review of my credit information as a precautionary measure following notification of a data breach that XXXX have affected my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My recent statement cycled and it is still reflecting the XXXX of 29.99 % which is variable and is not reflecting the Federal Reserve interest rate decrease from XXXX which should be on the current statement as 29.49 %  and it is not

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I've already submitted a complaint about this. The company which is NCB XXXX is still showing my account as open, that I owe {$2800.00} and that it's a derogatory mark on my XXXX It got taken off my XXXX, but not XXXX. I paid this off for a lesser amount at the end of XXXX. I want this off my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. XXXX and/or any other risk score or algorithm used to calculate a consumers XXXX XXXX is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

XXXX or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXXXXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.

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 2024-10-23 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: GA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed 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 2024-10-23 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: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX XXXX CORPORATE HACKERS AND IMPOSTERS HAVE STOLEN {$1600.00} FROM ME SINCE XX/XX/year> BY TRIPLICATING XXXX XXXX XXXXXXXX CREDIT CARDS BY STEALING MY SOCIAL SECURITY #, CHANGING MY NAME TO FAKE NAMES AND POSTING XXXX FAKE XXXX XXXXXXXX CREDIT CARD ACCOUNTS ON CREDIT BUREAUS, SEE XXXX REPORT ATTACHED. XXXX XXXX DID NOT POST {$1600.00} CREDITS PRIOR TO CLOSE XX/XX/year> ON BOTH CREDIT CARDS IS FRAUD AND IRS FRAUD. MY NAME IS NOT XXXX XXXX OR XXXX OR ANY OTHER FAKE NAMES. XXXX IS CORRUPT AND ALLOWS CRIMINAL ACTIVITY BY IMPOSTERS AND CORPORATE HACKERS. 
XXXX IS TO BLOCK BOTH XXXX XXXXXXXX CREDIT CARDS, POST ALL XXXX XXXX XXXXXXXX CAR PAYMENTS, DELETE ALL SOFT INQUIRIES, i HAVE A 7 YEAR XXXX XXXX, XXXX. SECURITY FREEZE AND OPT OUT, NONE OF THESE INQUIRIES ARE PERMISSABLE & NO COURT ORDER XXXX ILLEGAL=CREATES MORE FRAUD= FCRA VIOLATIONS, AND INCREASE MY XXXX XXXX. 
XXXX XXXX IS A FAKE NAME ON CREDIT REPORT. 
FTC IDENTITY THEFT REPORT, # XXXX XXXX POLICE REPORT IDENTITY THEFT & FRAUD SCHEMES AGAINST XXXX XXXXXXXX. 
XXXX FCRA UNITED STATES GOVERNMENT NEEDS TO SHUT DOWN XXXX XXXX AND REMOVE THE OWNER, XXXX OFF FEDERAL RESERVE.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
The company closed my account in XX/XX/year> and I've never received my funds they closed all accounts checking and savings and Credit Card account I only received XXXX and the remaining is XXXX from my credit card account it was XXXX in my checking I used XXXX to purchase a car that's it and XXXX in my savings! Please send my money this was from my mom I was her XXXX when she pass!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 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:
I reviewed my Consumer report and notice that I had XXXX late payments on an account. account name XXXX XXXX # XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you

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 2024-10-23 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:
I reviewed my Consumer report and notice that I had XXXX late payments on an account. account name XXXX XXXX # XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-23 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: NY

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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