vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Have been talking to them online and by phone since XX/XX/year>, numerous times. Never let me leave XXXX plan or have my loans forgiven. As they should be since I reached the XXXX payments ages ago through XXXX. Keep sending me back to Dept of Ed. However, Depr of Ed constantly tells me MOHELA is the problem and should process my loan accordingly and forgive it all under XXXX. Its the same cycle for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to the dealership to get a car and the dealership ran my credit multiple times without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account XXXX : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

XXXX. XXXXDate InconsistenciesXXXX : - The " Date Opened '' and " Date Updated '' for the XXXX XXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXX XXXX XXXX ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from XXXX, XXXX, and TransUnion - Any additional documentation from the original creditors, if applicable. 

XXXX XXXX XXXX  Action Requested : XXXX. Investigate the discrepancies outlined above. 
XXXX. Correct any inaccurate or incomplete information. 
XXXX. Provide me with an updated and accurate copy of my credit report. 
XXXX. Notify any creditors or third parties that received inaccurate information within the last XXXX months of these corrections. 

I expect a response within the XXXX timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, \ 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXX Funding LLC** ( Account Number : XXXX ) and *XXXX XXXX  ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX ( Account Number : XXXX ) and **Fingerhut/WebBank** ( Account Number : XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account XXXX : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

XXXX. XXXXDate Inconsistencies** : - The " Date Opened '' and " Date Updated '' for the *XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXX Funding LLC** ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from XXXX, Equifax, and XXXX - Any additional documentation from the original creditors, if applicable. 

XXXX XXXX XXXX Action Requested : XXXX. Investigate the discrepancies outlined above. 
XXXX. Correct any inaccurate or incomplete information. 
XXXX. Provide me with an updated and accurate copy of my credit report. 
XXXX. Notify any creditors or third parties that received inaccurate information within the last XXXX months of these corrections. 

I expect a response within the XXXX timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, \ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
This morning, I saw that my credit report included incorrect accounts, and I dont know why. When I checked my report as usual, unexpected errors appeared. I refreshed my browser, thinking it might be a minor glitch, but the inaccuracies didnt disappear. Im now asking for a detailed review of the documents I submitted to prevent this issue from happening again.

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 2025-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over XXXX inquiries and all of them are incorrect. I would like to remove. I want the light removed XXXX as I have already spoken with XXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last XXXX years, so please have it removed along with the FTC report has been sent,

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 2025-01-11 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:
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 2025-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I was approved on XX/XX/XXXX for a borrower defense claim and I am member of the XXXXXXXX XXXX XXXXXXXX class action in group 2. XXXX was my servicer until XX/XX/XXXX and then I was transferred me to Mohella. 

In the class action guidelines - My relief is to be completed within 1 year of the date I was approved which would be XX/XX/XXXX. When I call Mohella reps tell me they havent received my approval or there is no deadline for relief. I sent a message to their escalation team on XX/XX/XXXX and received a response today XX/XX/XXXX of a canned message and provided no explanation of their delayed processing of my student loan forgiveness. 

My student loans account was consolidated once, I attended 1 school - XXXX XXXX XXXX XXXX XXXX - XXXX and my loans were originally federal held but privately owned which means I do not get a refund. This is an easy case to solve since it does not require unraveling loans from another school. 

I am truly disappointed and frustrated as I applied for borrowers defense in XX/XX/XXXX. Mohella cant provide me any assistance or information regarding their delay beyond the class actions guidelines or rules that were agreed upon within the XXXXXXXX XXXX XXXXXXXX class actions. 

I ask that you review my case and hold Mohella responsible for completing my loan forgiveness as soon as possible. 

My borrowers defense information : XX/XX/XXXX Borrower Defense Application XXXX XXXX XXXXXXXX Borrower Defense Applications School : XXXX XXXX Dear XXXX XXXX XXXX : You are receiving this letter because you are a member of the class of Federal student loan borrowers covered by the recent settlement of the XXXX XXXX XXXX ( XXXX XXXX XXXX ) lawsuit. You submitted a XXXX XXXX to Repayment discharge application relating to your Federal student loan ( s ) on or before XX/XX/XXXX. The Department of Education, applying a special review process agreed to in the XXXX settlement agreement, has approved your claim for settlement relief. For more information on the terms of the settlement agreement please see the Department 's website at StudentAid.govXXXX XXXX 
The Department has determined that you are entitled to settlement relief for the loans taken out on or after XXXX associated with your enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) From the settlement XXXX XXXX XXXX Decision group members in group 2 ( people who applied for XXXX  between XX/XX/XXXX, and XX/XX/XXXX ) whose applications were approved should receive Full Settlement Relief by XX/XX/XXXX or 1 year from approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
My information was exposed in a data breach .Inaccurate inquiries that cause my score to drop tremendously do to the data breach.Actions stated never happened, erroneous payments entries.In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately update my credit report..I thank you for your consideration and cooperation. If you have any questions please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime bank aka XXXX transferred XXXX of my money into the wrong account. Somehow my XXXX account number was changed in their system without my permission or knowledge. I desperately need help they have stolen XXXX of my hard earned money and Im a single mom!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report I would like to have them removed from TransUnion, XXXX, and 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 2025-01-11 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: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report I would like to have them removed from XXXX, XXXX, and EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents Ive submitted so I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX  {$5000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.

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