vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
On XX/XX/year>, I applied electronically through the XXXX website to switch from SAVE to XXXX. I received a notice from MOHELA XX/XX/year> that my application was received. I called MOHELA and requested to be placed on a processing forbearance. The request was denied. They said that per their guidance from the dept of education, they could not switch me off of the SAVE administrative forbearance until my ICR application was approved. This is nonsensical- why would I need a processing forbearance at the point when my application was approved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an international student at XXXX XXXX XXXX, and XXXX XXXX XXXX, my employer is sponsoring my XXXX by paying my tuition and living expenses. Before arriving in the XXXX, XXXX sent the funds to my XXXX account so I could pay for initial expenses, including my rent and deposit. After arriving in New York, I opened a Chase bank account on Thursday XXXX of XXXX at XXXX XXXXXXXX XXXX XXXXXXXX. I was assisted by XXXX XXXX, who confirmed that it was fine to transfer my funds from XXXX to the new account. I then transferred the {$60000.00} in XXXX parts of XXXX each the following weekend. 

On Sunday XXXX of XXXX, I received an email from Chase stating that my account might be restricted, and I was instructed to call for further assistance. When I called, I was encouraged to go to the branch. I recalled the same day at XXXX, and this time, i was informed that a final decision had already been made to close my account. I proposed to provide proof of the origin of the funds, including documentation from XXXX, but this offer was rejected without review. 

When I visited the branch on Monday XXXX XXXX, I was informed that they did not have additional information about my account closure or the status of my funds. I was told conflicting information : that Chase might reject the XXXX transfer and send the money back to XXXX, or that they might issue a check. However, no clear timeline or confirmation has been provided, leaving me confused and unable to plan my next steps. 

They also cancelled my meeting appointment that i had booked with them for Tuesday XXXX of XXXX without any further explanation. 

This unexpected account closure has caused significant emotional distress and inconvenience. These funds are crucial for my tuition, housing, and other living expenses as I begin my XXXX program. The delay and lack of transparency have disrupted my studies, caused me to miss critical school commitments, and created uncertainty about how to meet my financial obligations. 

The funds came from a legitimate source, and I was transparent with the bank during the account setup. In addition, Chase failed to notify me in advance or provide me with an opportunity to resolve the issue before closing my account and they have not clearly communicated how or when I will receive my funds, leaving me in financial limbo.

I urgently request assistance to ensure the immediate and safe release of my funds and to hold Chase accountable for the distress and inconvenience caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-13 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 privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
The debt collector listed have reported debt to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect. These derogatory accounts have lowered my credit score, making it difficult to access essential credit opportunities. The lack of proper communication has caused undue stress and confusion.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am rewriting to formally dispute inaccuracies on my credit report to EXPERIAN that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. 

Upon reviewing my credit report, I have identified several entries that appear to be duplicative or otherwise incorrect. These entries have no supporting evidence of authorization or approval from me. I believe these entries may be fraudulent and do not reflect any transactions, accounts, or activities that I initiated.

Under the FCRA ( 15 U.S.C. 1681 ) and FACTA Title 1, Section 151, I am entitled to dispute inaccuracies and request that any unverified or incorrect information be removed. I request that you investigate these entries. If they can not be properly verified, they must be removed from my credit file as required by federal and state law. 

I expect a prompt REINVESTIGATION and resolution of this issue. Should the incorrect entries remain unresolved, I will pursue further legal action to protect my rights under the FCRA and FACTA.

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 2025-01-13 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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 2025-01-13 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: DE

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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: DE

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name ; XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 EXPERIAN 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 an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-01-13 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: NC

Complaint narrative:
I am submitting a formal complaint regarding a collection account from XXXX XXXX XXXX, which I believe is the result of identity theft. This account is inaccurately reported on my credit report, and despite my efforts to dispute the information with TransUnion, they have failed to conduct a proper and thorough investigation as required by law. 

Here are the key details of the situation : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount Due : {$5300.00} XXXX discovered that XXXX XXXX XXXX is reporting a collection account that is not mine. I did not open the account, nor did I authorize any debt with this company. After noticing this fraudulent account, I promptly disputed it with TransUnion, providing supporting documentation such as my lease agreement for a different unit. 

Unfortunately, XXXX response was inadequate and did not resolve the issue. They failed to properly investigate the dispute and did not reach out to XXXX XXXX XXXX to verify the accuracy of the account. As required by the Fair Credit Reporting Act, credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes inaccurate information. However, in my case, TransUnion did not fulfill their responsibilities. 

Despite my efforts to dispute the account, the fraudulent collection remains on my credit report, which has caused significant damage to my credit score and has impacted my ability to obtain credit. I believe this ongoing issue is a direct violation of my consumer rights under the FCRA, which mandates that credit reporting agencies take steps to ensure the accuracy of the information they report. 

It has come to my attention that TransUnion, like the other major credit reporting agencies, has been criticized in the past for failing to properly investigate disputes. This only reinforces my concern that the company is not taking my dispute seriously and is not following the legal requirements for dispute resolution. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that TransUnion conducts a thorough investigation into this dispute and removes the fraudulent account from my credit report. Additionally, I request that XXXX XXXX XXXX be notified that this debt is the result of identity theft and must be removed from my record.

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
My fiance and I rented an apartment from XXXX XXXX. We provided more than 60 days notice that we were vacating the apartment after living there for 6 months. Upon move out in midXXXX XXXX, I paid the rent in full and according to their rent payment app, we had a {$0.00} balance. Our manager never provided us with a final move out statement, or communicated with me after acknowledging my email that we had vacated the apartment and left the keys. In XX/XX/XXXX, I received a voicemail from a debt collector. I called to find out what it was about and learned that XXXX had asked them to collect {$3300.00} for breaking our lease early. We were never contacted by the apartment directly and never given an opportunity to dispute this with XXXX. ( Had we been given the opportunity, we would have pointed out the various ways they broke their own lease by not providing a safe environment -- gates were rarely locked, vehicle damage, homeless people in the courtyard, sleeping outside our first floor apartment, next door resident XXXX XXXX right outside our apartment door at all hours of the day and night, illegal entry into our apartment ( see attached email pertaining to this ), cars illegally parked in the parking lot, and never having hot water. ) After speaking with the debt collector, I was provided a notice with the right to dispute, which I did. The notice had a deadline of XX/XX/XXXX. I mailed the dispute notice to them on XX/XX/XXXX -- well within the deadline. On or about XX/XX/XXXX, I.Q. immediately reported the debt to the three credit bureaus and systematically began destroying my credit. I did not receive verification of this debt until XX/XX/XXXX, well past the 30 days they had to verify the debt. Their letter is dated XX/XX/XXXX, however the postmark on the envelope shows XX/XX/XXXX -- almost 60 days past the deadline for them to send verification of the debt. The verification provides the final move out statement, which I never received directly from the apartment complex.

Company response to consumer: Closed with explanation