vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to address ongoing and unresolved issues with my loan servicer, MOHELA, regarding the mismanagement of my federal student loans and inaccurate interest accrual under the SAVE plan. Despite filing previous complaints about similar issues, which were closed without resolution, the problems persist, causing significant financial harm. 

MOHELA placed my loans into administrative forbearance, citing ongoing litigation related to the SAVE plan. They explicitly stated that no interest would accrue during this period. However, I recently received an email from MOHELA stating that I am responsible for interest accrual, which directly contradicts the information provided on studentaid.gov. 

Upon reviewing my account on MOHELAs website, I discovered an additional {$4600.00} in interest charges. This is on top of the interest improperly added to my account previously, which was the subject of an earlier complaint to the CFPB. That complaint was closed without addressing the fundamental issue, and MOHELA continues to apply these unlawful charges. 

Furthermore, my loan balance has increased from {$240000.00} to {$250000.00} despite my active participation in the SAVE plan, and despite my submission of recertification paperwork on XX/XX/year>, for which I have yet to receive a response from 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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for modification and completed the trail payments of {$1400.00} in XX/XX/XXXX, {$1300.00} XX/XX/XXXXXXXX  and {$1300.00} XX/XX/XXXXXXXX  as requested on time. They didn't approve the Modification due co-borrow was in XXXX and couldn't sign. He abandoned me and the house in XXXX  and signed a Quit Claim Deed XXXX XXXX. So I asked for a repayment plan and they only want to give me a reinstatement. I tried to get them to let me pay {$5000.00} and spread the rest out for 6 months. I have been going back and forth with them over a month and still can't get any help on trying to keep my house. I want to stay in my home. I've asked this to be Escalated to a supervisor or underwriter but no success there either. They can't tell me a reason why I can't get a repayment plan and I feel that is so unfair because I'm trying to save my home.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
I am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively reported.

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 2024-12-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My phone was stolen in XX/XX/year>. Fraudulent Zelle transactions were attempted from my bank account with XXXX and were prevented. Now, my Zelle account has been permanently restricted and I can not use the service at all. Zelle is integrated into the XXXX XXXX app, and there is no alternative to transfer funds electronically with no fees within the app. Zelle has a monopoly on this. I have reached out to XXXX, and they transferred me to Zelle, and neither party provided any resolution or process to resolve this issue. Upon researching this issue, it seem MANY other people are having this problem with Zelle, and no resolution is available at all. I have never used Zelle myself, and I would like to make instant payments for rent and other bills, but because of someone else 's actions through no fault of my own I am permanently banned from using the service at all. This is not a fair way to do business and this industry needs to be regulated or shut down entirely. There is no need for Zelle, XXXX, XXXX XXXX, etc in XXXX. People can send money directly to each other by sharing an account number and all these services are irrelevant. Why can't we have the same in the US?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-03 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 am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-03 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: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a bankruptcy. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
To date, I have not received any response from Experian regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Experian has violated my rights as a consumer under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same bankruptcy. On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the bankruptcy reported by Experian is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to Experian and XXXX, as well as XXXX ' response, for your review.

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 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
I disputed item reported to a debt collector. I never paid the amount owed, as I went through a third party. Affirm reports item as correct, obviously. I never paid this amount. Affirm paid the airline and should be getting the money BACK from the airline, not me. I canceled the trip well before departure, so WHY would I pay them for something that never happened? Airline tried to apply a credit to be used within the year but again, I CANCELED the trip. This should NOT affect my credit. I will tell everyone I know that Affirm does not provide good business tactics, and that they are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My XXXX  contacted me about unusual activity with my debt card! There was withdrawals of XXXX dollars and XXXX dollars XX/XX/XXXX and XX/XX/XXXX more money taken XXXX dollars again and XXXX dollars again! Chime would not help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Over a year ago we received a letter indicating that our remaining escrow balance was being returned to us. They said that the check they mailed us got returned to them and that I needed to fill out their online request to receive another check for our excess escrow that we overpaid. I filled out their online request for another check for the following : Nationstar, Control Number XXXX, Check Number XXXX, Transaction date XX/XX/year>, Amount {$250.00}. 

I received a printout saying it would take 8 to 10 weeks after our/the response due date on the letter. After contacting them for over the last year and half they say they have now changed their name from Nationstar to Mr. Cooper and have no records of our lost escrow. Its criminal what they have done. I am also filing a complaint with the Attorney General in the state where the headquarters of Nationstar / Mr. Cooper are located to try and get to the bottom of where our money went. This has been extremely frustrating trying to recoup our overpaid escrow balance. Thank you for you time and help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I discovered collections from Portfolio Recovery Associates , LLC ( PRA ) on my credit report, which I believe to be inaccurate due to discrepancies I noticed in the information provided. Specifically, PRAs reporting is not complete and accurate furnishing as required under the Fair Credit Reporting Act ( FCRA ). Furthermore, their vague response to my initial validation request failed to clarify these discrepancies or provide the necessary account-level documentation to substantiate the debt. 

To address this matter again, I sent a formal letter to PRA requesting validation of the debt, as well as this complaint through the Consumer Financial Protection Bureau ( CFPB ) portal. Despite my past efforts, PRA has yet to provide sufficient documentation to validate the debt or demonstrate compliance with the FDCPA and FCRA. This lack of adequate validation further highlights concerns about their reporting practices and obligations to furnish accurate information. 

To support my case, I am uploading the vague response I received from PRA, which demonstrates their failure to meet the standards required for validation under the FDCPA and their obligation for accuracy under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About four years ago Chase closed my account XXXX and/or the related savings account ( XXXX XXXX  ). Or more precisely, the account ( s ) seem to be open, but Chase refuses to give me online access to it. I have requested again and again to give me access or explain what the exact status of the account ( s ) is, but they do not give any explanation whatsoever. At the time we had an issue with the related credit card, but that has been solved since two-and-a-half years. 

They do send me notices now and then via email that I received some important information, which I need to read via online. Which I can not do. I just want to keep the accounts and get online access to it. 

My information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Yes, I have a balance out of nowhere from bank of America for like XXXX dollars. And I have a negative balance of XXXX dollars plus my reward for XXXX dollars, which they arent allow me to use!! they could at least mail me these amount of money to me!! And each time I tried to get in contact with them to bank of America. They always send me this one uneducated employee who doesnt even have a clue on how to help!! I want the Consumer Financial Protection Bureau to help me out! Please help me someone.

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 2024-12-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account was open more that 7 years ago and needs to be deleted off report XXXX XXXX account number XXXX. XXXX XXXX told me to reach out to the credit agency for deletion

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 2024-12-03 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This problem has been on going since XXXX. Once again LVNV Financial LLC, Resurgent Capital Svcs LP and now XXXX XXXX XXXX are attempting to collect alleged funds for a XXXX XXXX XXXX XXXX  account from over 25 years ago ... Broadband didn't even exist then. This is continued harassment by way of the antics of changing headers on documents. I am just now returning from weeks in XXXX to this new attempt and harassment. 

Please see below in regards to the last two attempts I made to get them out of my life and to leave me alone. I never had XXXX XXXX XXXX back in XXXX and XXXX XXXX XXXX didn't have broadband either. They keep harassing me with letters from new agencies all stemming from LVNV Funding LLC. 

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. If I owed this alleged debt I would've learned of it far earlier than 26 years later.

Company response to consumer: Closed with non-monetary relief