vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Your Name Your Address City, State, ZIP Code Date [ Credit Reporting Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : XXXX XXXX XXXX Account number : XXXX AMOUNT {$4100.00} This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX data breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof ] Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : XXXX. Investigate and verify the accuracy of the disputed information. 
XXXX. Provide me with a written summary of the investigation process and results. 
XXXX. Remove or correct the inaccurate information if it can not be verified. 

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within XXXX days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, Enclosures : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
IM DISPUTING AN ALLEGE LATE PAYMENT ON MY CREDIT ACCOUNT FROM XXXX, I'VE BEEN DISPUTING THIS FOR MONTHS NOW, AND I JUST READ ONLINE THAT XXXX HAS BEEN SUED FOR IMPROPERLY NOT FOLLOWING THE LAW AND GUIEDLINES FOR CUSUMERS LIKE MYSELF..XXXX IS NOT READING THE DOCUMENTS THAT ; S BEEN SENT TO CUSUMERS LIKE MYSELF, AND THEY HAVE BEEN PRACTICING UNLAWFUL BUISNESS PRACTICES, XXXX IS THE PROBLEM FOR ALLOWING AND EXCEPTING THIS ALLEGE LATE PAYMENTS AND NOT GETTING TO THE HEART OF THE PROBLEM..IM SO HAPPY THAT THE CFPB HAS SUED XXXX, SO CUSUMERS LIKE MYSELF CAN GET JUSTICE ... TRANSUNION NEEDS TO BE LOOKED AT ALSO ... IM ASKING THE CFPB TO ENFORCE XXXX AND TRANSUNION TO REMOVE THIS UNFOUNDED LATE PAYMENT OFF MY CREDIT REPORT... ESPECIALLY DUE TO THE FINDINGS ALL ON THE NEWS AND ONLINE... XXXX NEEDS TO BE ASHAMED OF THEMSELVES FOR THIS CROOKED UNDERHANDED BUISNESS PRACTICES... BUT IM NOT SURPRISED!!!

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
XXXX XXXX, I have attempted to get in contact with a physical person for a week and a half, which includes me emailing and calling. I have left my number for a call back from MOHELA and have stayed on hold for XXXX hours only to not successfully get in contact with any representative. Your recorded system disconnects call and provides no direct access to a live representative. At this point, MOHELA has failed to provide any type of customer service and has failed to successfully provide its due diligence and responsibility to provide service to its clients. MOHELA has been negligent. Your pre-recorded messages indicate that NO ACTION is needed and monthly dues will not be taken from accounts for XXXX plans, including the transition to a forbearance. I have been in a processing administrative forbearance once again due to MOHELA 's negligence to provide any sort of responsive service to its clients. There is no ability to get in contact with MOHELA for problems. I have been advised by multiple MOHELA representatives in the past that my account will remain in forbearance and no monthly fee will be collected. Your recordings indicate this as well. However, MOHELA fraudulently took a monthly amount from my bank account without my authorization today. I've tried to get in contact with MOHELA for a week about this charge, due to the account being in forbearance which legally means you can not deduct anything without my authorization. I want MOHELA to immediately remedy this issue. I will also be lodging a complaint for MOHELA 's negligence.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> TransUnion LLC, Subject : TransUnion Complaint Regarding Violation of 15 U.S. Code 1681a Dear TransUnion Customer Service, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that TransUnion has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within XXXX  days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Credit inquiries on your report that you don't recognize
Company: Unisource Joint Ventures LLC
State: SC

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. XXXXXXXX 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

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HSA bank mistakenly process my payment as a contribution adjustment instead of distribution, which affected my HSA tax form. I wrote a check to XXXX XXXX check # XXXX in amount of {$5000.00}. HSA bank mistakenly paid only {$50.00} on it on XX/XX/XXXX. XXXX XXXX contacted HSA bank regarding the issue, and HSA paid to XXXX XXXX additional {$4900.00} on XX/XX/XXXX. However instead of processing {$4900.00} as distribution, XXXX entered it into records as contribution adjustment and reduced amount of my contribution for XXXX by that exact amount {$4900.00}. It is affecting me because now I can not claim full tax break due to reduction of my contribution showing. I have contacted XXXX multiple times, they only have an option to be contacted by phone. They instructed me to email different form multiple times, but every time it turns as not processed, because they acknowledge that there is no such form in their system to fix such type of error, their own error. Hours and hours on the phone wasted. Stay away from this bank. They dont even have any physical address. They have foreign phone support which is barely understands XXXX, its a nightmare. I need my tax for corrected to reflect {$9300.00} contribution for XXXX. Please help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Dean Morris, L.L.P.
State: LA

Complaint narrative:
Federal Suit XXXX XXXX FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER pursuant to the Notice to Occupant of Pending Acquisition ( NOPA ) issued under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX was issued based on fraudulent and unlawful practices by Defendants, including : Violations of HUD Federal Mortgage Servicing Rules, including failure to comply with required loss mitigation procedures. 

Deceptive practices and unlawful foreclosure actions, as documented in Plaintiffs FBI report. 

These actions violate Plaintiffs rights as a borrower under XXXX XXXX and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These hard inquires are fraudulent on my consumer report, I did not mak these transactions

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 2025-01-10 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: IL

Complaint narrative:
There are XXXX accounts, that appear to have late payments on them, I was never givin a due process on this, plwase see attached

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account with XXXX XXXX and can see there are numerous items in collections that I have no association with. There are XXXX different companies but XXXX different accounts between them. XXXX with XXXX XXXX XXXX with differing balances of $ XXXX, XXXX and XXXX and information between XXXX and XXXX and XXXX with XXXX XXXX XXXX for {$3000.00} and 2000. 

I would like to see my signature on any contract with those companies names on them.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Apple Card ( issued by Goldman Sachs Bank USA ) for failing to resolve a dispute despite my submission of sufficient evidence. Below are the details of the disputed transaction : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX  Disputed Amount : {$14.00} Amount to Be Re-billed : {$14.00} I provided all necessary documentation to support my claim that this charge was either unauthorized or incorrect. Despite this, Apple Card has neither resolved the dispute nor provided any valid explanation for re-billing the disputed amount. 

I find this handling of my dispute unacceptable and unprofessional. As a result, I am requesting immediate action to thoroughly investigate this case and issue a refund for the disputed amount. 

If this issue is not resolved promptly, I will seek further action to protect my consumer rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: VA

Complaint narrative:
Upon reviewing my credit report, I identified several inaccuracies and instances of unauthorized information being reported. These errors have significantly impacted my life and financial well-being, damaging my credit health.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-10 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with National Credit Adjusters L.L.C, they did not provide me with the original contract as requested. I requested the verification process of which the company went through as well in order to verify this debt, and none was provided to me. This information was not provided, I therefore demand it be removed from my credit report as it as inaccurate.

Company response to consumer: Closed with explanation