vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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 writing to formally notify you that I am a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be blocked and deleted from my credit file : Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 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 writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 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: PA

Complaint narrative:
Two months ago when the SAVE program was to go into Administrative Forbearance, I received a letter via Mohela 's website that a payment would be due soon now that the original forbearance was over. I emailed them, nobody responded, but no payment ended up being debited from my account.

Now today, I received another letter stating that during forbearance, interest would accrue during the current forbearance. I have read enough about the current litigation regarding the SAVE program and understand that all loans under this program are under interest free administrative forbearance. Mohela should be ashamed using these kinds of scare tactics to force borrowers into making payments to avoid interest accruing. 

They are an awful servicing provider. They never answer emails, internal website emails or even worse, trying to get through on the phone. They do not deserve to be a loan servicer if they can not provide accurate information for the millions of borrowers assigned to them. I was originally with DirectLoans but my loan was sold to them several years ago. 

Below is what the letter said : Loan Update In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and total balance. The loan ( s ) listed in this letter are currently in forbearance.

Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance.

Here are some helpful tips to manage your account : You may cancel the forbearance at any time to resume immediate repayment. 
Create an online account and enroll in XXXX. Log in to mohela.studentaid.gov to keep tabs on your student loan balance. 
To obtain the outstanding principal and accrued interest balance on your loan ( s ), log in to your account online at mohela.studentaid.gov.

Pay now vs. later. You are not required to make payments at this time. However, if you can afford to make even some payments, it can save you money down the road and reduce the total amount that you repay. 
You remain obligated to pay your loan ( XXXX ), and payments will resume at the end of the forbearance. 
To make a payment, use one of the following methods : Payment Methods There are three easy ways to make your payment : Online : mohela.studentaid.gov Phone : XXXX ( Toll Free ) Mail : Include your account number on the check or money order made payable to MOHELA. Send your payment to : U.S. Department of Education

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against SANTANDER, XXXX and XXXX regarding the inaccurate and harmful reporting of my credit account details. Specifically, I demand immediate action to correct the following : 1. Late Payments 2. Collections 3. Charge-Off Status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian regarding the inaccurate and harmful reporting of my credit account details. Specifically, I demand immediate action to correct the following : 1. Late Payments 2. Collections 3. Charge-Off Status

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Subject : Complaint Against XXXX XXXX and Aldous & Associates In XXXX, I visited a friend in XXXX, XXXX, and signed up for a membership at XXXX XXXX, intending to use it for two weeks. Due to an emergency, I had to return to XXXX  earlier than planned. I only attended the gym for two or three days.

Once in XXXX, I called the gym to cancel my membership, but I was told I could only cancel in person in Florida. I explained that I lived in XXXX  and could not return to XXXX, but they said this was not their problem. 

After my first attempt failed, I called again because I noticed I was charged for another month. This time, I was told I could cancel by mailing a letter and a copy of my ID. I followed their instructions and sent a letter explaining that I was in XXXX, could not return to Florida, and only signed up for one month. 

Two weeks later, I called the gym again to confirm my membership was canceled, but they claimed they had never received my letter. After this, I got busy with school and other personal matters and forgot about the issue.

Later, I started receiving emails from Aldous & Associates. At first, I thought they were spam because I get a lot of spam emails. Unfortunately, I didnt realize the emails were related to my membership until I saw my credit report. I noticed that my credit score dropped by nearly XXXX points due to a collection from Aldous & Associates for {$160.00}. 

This situation is very concerning for me because Im working on building my credit, I have made all my payments on time, and my credit record is 100 % positive until this incident. I am very committed to protecting my credit score, which is why I want this issue resolved. 

I am willing to pay the {$160.00} if necessary, but I believe this situation is unfair. I tried to cancel the membership in good faith and followed the gyms instructions, but they did not confirm my cancellation. It is unreasonable for my credit to be damaged over an issue caused by the gyms restrictive and inflexible cancellation policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: KY

Complaint narrative:
They've been intently harassing me non-stop to pay this debt but won't take my money. 
I've made countless efforts to get them to take my money, via phone and the website as well as sending emails. I have also contacted the original creditor, Discover card & they to refuse to take my payment. They lied to the judge on record certified mail that they didn't get a response and tried to get a default judgement, then they sent me a letter and not the court lying to trick me to not go to court. They send you to voicemail anytime you try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a completely new complaint not previously mentioned or reported. 

CITI, XXXX, and XXXX are reporting the account of XXXX XXXX for CITICARDS/ CBNA as being charged off for 10 consecutive months starting in XX/XX/year>. 

This account was charged off 1 time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

XXXX, XXXX, and CITI are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.

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 2024-12-04 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to dispute several accounts that have been reported under my name, as I have no knowledge of these accounts and believe they do not belong to me. Below are the details of the accounts in question : Also this address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not mines and reporting on my credit with an open account attached XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$7200.00} Issue : This account is not mine, and I have no knowledge of it. I have not opened or authorized any such account. Please investigate and provide evidence of the debt, as I dispute its XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$300.00} Issue : I do not recognize this account, and I have no knowledge of any debt with this company. Please investigate the origin of this account and confirm that it is not linked to me. 
National Credit Adjusters , L.L.C ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$490.00} Issue : This account does not belong to me, and I have no knowledge of any transactions or debts associated with National Credit Adjusters. Please provide verification that this account is valid and belongs to me. 
I am requesting that you thoroughly investigate these accounts and provide proof of their validity. If you are unable to provide such proof, I expect these accounts to be removed from my records immediately. 

Please treat this as a formal dispute and respond to me in writing with the results of your investigation. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach. As a result, several unauthorized accounts and inquiries have been placed on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below be blocked and deleted from my credit file. 
The following account has been fraudulently opened in my name : 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

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 2024-12-04 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach. As a result, several unauthorized accounts and inquiries have been placed on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below be blocked and deleted from my credit file. 
The following account has been fraudulently opened in my name : 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 XXXXXX/XX/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 2024-12-04 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-04 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PER XXXX/FDCPA/FCRA guidelines I've demanded EXPERIAN provide PROOF of how they " verified '' EACH ITEM ON MY CONSUMER REPORT!

THEY HAVE NOT instead they have SENT OUT ILLEGAL STALL TACTICS AS WELL AS EXTRA CONSUMER REPORTS WITH THE SAME INFORMATION THIS IS ILLEGAL AND I WILL SEEK legal counsel due to 15 USC 1681N WILLFULL-NONCOMPLIANCE SINCE XX/XX/year> TILL XX/XX/year> i have recieved nothing but stall tactics from experian AVOIDING THE laws set in place by the FCRA/FDCPA AS WELL AS THE XXXX as well as avoiding METRO2 COMPLIANCE XXXX HAS REMOVED THE SAME NEGATIVE INCORRECT ITEMS AND ( EXPERIAN ) MUST DO THE SAME.

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 2024-12-04 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: IA

Complaint narrative:
I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a recent data breach. The information relating to these accounts is now compromised, and I am exercising my rights under federal law to ensure they are permanently removed from my credit report. 
The following accounts should be blocked and deleted 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 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 Additionally, I request that the following inquiries also be blocked from my credit report 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 XXXXXX/XX/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 2024-12-04 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2024, a person stole a check paid to me by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, forged my signature, endorsed the check to themselves, and deposited to PNC Bank via their mobile app. Bank. PNC Bank cashed willing cashed a forged check that was stolen from me by one of their customers without any verification of identification. PNC Bank willingly cashes checks stolen and forged by their customers with no verification of identification. I made several attempts to contact PNC Bank 's fraud department but I was placed on hold for a total of one hour and I was never able to reach anyone. I have filed a forgery and identity theft report with my local police department. Additionally, I have filed an Affidavit of Check Fraud by Payee Forged Endorsement claim with XXXX XXXX XXXX who is also opening an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with explanation