vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an item that appears on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am requesting that you investigate the following entry for accuracy and remove it if it is found to be incorrect or unverifiable. 
Disputed Item Details : Account Name : Portfolio Recovery Date of Entry : XX/XX/XXXX Amount : {$470.00} I have reviewed my records and believe this information is inaccurate for the following reasons : [ Provide a clear explanation of why the information is inaccurate or should be removed. For example, it could be due to a late payment that was reported inaccurately, an account that was paid off but still shows as open or active, or a fraudulent account you did not open. ] According to the FCRA, specifically under Section 1681c, information that is found to be inaccurate, incomplete, or unverifiable must be corrected or removed from my credit report. Since the information in question is not accurate, I request that you remove it from my credit report and provide me with written confirmation of this action. 
I have enclosed any relevant documentation that supports my claim, including [ list of documents, such as payment receipts, bank statements, or correspondence with the creditor ]. If additional information is required, please inform me as soon as possible so that I may provide it.

Please complete your investigation within the 30-day period required by law and notify me of the results of your findings. Additionally, I request that you send me a copy of my updated credit report once the disputed item has been addressed.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My XXXX credit report hasn't been updated since XX/XX/XXXX. it has alot of outdated information which is causing me issues with new credit and posting wrong information that does not belong to me and has a fraud alert that shouldn't be listed. There are old addresses that are not associated with me. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all other addresses. My information was compromised before and this information needs to be deleted. There are 3 inquiries that should have been removed in XXXX that has not been removed and its reporting in accurately thats against FDCPA and FCRA. This goes against the bureau 's ; laws. I am suppose to be getting approvals however I am getting denials on falsely reported data. Equifax and XXXX all are reporting outdated data and inquiries that have not been removed its been 5 years. its a bunch of fraudulent addresses im sure they know a person cant move all those times and my name is incorrect and differs from my license. They are paid by creditors to furnish outdated debt through a system called XXXX XXXX this is a conflict of interest and unfair to citizens that pay their bills on time, this has put me in a financial bind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-18 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: NM

Complaint narrative:
On XX/XX/year>, MOHELA incorrectly added {$17000.00} in capitalized interest to my student loan account without notice or authorization. I identified the error and contacted MOHELA multiple times to correct the issue including on XX/XX/XXXX ( when I first noticed the erroneous interest added ), XX/XX/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 XXXXXX/XX/year>, the FSA responded, stating that MOHELA admitted fault and would need 10-15 days to correct the error.

Despite this, as of today, the issue remains unresolved. MOHELA has not provided a written acknowledgment of the error, a timeline for correction, or any updates regarding the status of my account. 
Since XX/XX/year>, my monthly payments have been applied toward this incorrect capitalized interest rather than the principal. This has inflated my loan balance and caused me to pay unnecessary interest on an incorrect amount. 
I have contacted MOHELA several times by phone and email to request that : The incorrect capitalized interest be removed. 
My payments be reallocated to the principal or that my interest be placed on hold until the issue is resolved. They have not agreed to any of these terms. 
Each phone call required a wait time of over an hour. While MOHELA verbally admitted fault, they provided no written acknowledgment, no timeline for resolution, and no evidence of action being taken. Meanwhile, the incorrect interest continues to grow, and my payments continue to be misapplied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In XXXX, my brother XXXX XXXX enrolled at XXXX XXXX XXXX in Kentucky. At this time, I was a XXXX  at XXXX. XXXX was selected for verification ; therefore, I was also selected. XXXX uses the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to process student verification. See XXXX notes on student verification : The ED typically selects approximately 30 % of all FAFSAs submitted nationally for this process. XXXX also selects students for verification if their sibling or other family member is already selected and attending XXXX. 

While students are in the verification process, all financial aid is dropped. XXXX requested specific documents, and I provided them to the best of my ability. The documents were not satisfactory, ( missing my W2 from the previous year ), and I lost all potential aid for my final year. 

After graduation, XXXX XXXX contacted me regarding an outstanding balance on my account and threatened to withhold my diploma if the balance was not paid. As a post-grad student, I did not qualify for aid or have access to any XXXX aid. I was directed by the XXXXXXXX XXXX office to take out a private loan if I could not pay the balance, to receive my diploma. 

I applied and was approved for a loan through XXXX XXXX XXXX for {$11000.00} on XX/XX/XXXX, and paid the university immediately. At this time, I was not aware of the predatory private lending practices and the excessive interest rates. 

Since XX/XX/XXXX, I have made every payment, on time ( I missed XXXX payments during covid due to financial hardship ), for 6 years. XXXX has sold the loan to Firstmark Services [ XXXX ]. 

My payment history incorrectly shows activity from XXXX to now with Firstmark Services, and my account information is now non-existent with XXXX. I have been making payments since XXXX. 

I took out a loan for {$11000.00} in XXXX. The current variable interest rate is 13.590 %. I have made over XXXX payments toward this loan ( approx. {$11000.00} ) over 6 years. The current balance of the loan is {$10000.00}. 

The University says the Department of Education is responsible for dropping aid, the Department of Education said to contact the State Department, who said they do not deal with XXXX XXXX, and only oversee XXXX business. XXXX redirected me to DOE. 

Two years of payment history have been lost between the XXXX/Firstmark transition XXXX my loan is basically at the same balance I started with. The loan was initially taken to settle a balance, that existed for not providing a W2. The DOE has had my social security number and work history since XXXX and has access to financial records. I have been financially harmed by this process and would like to dispute the validity of this outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-18 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
my i recently went throught my deceased mothers paper work. an found out she opened the discover account in my name an used the card that i never saw til now an she always told me i opened it but it was her an she opened this acount an many other credit an loans in my name without me having any knowleage of this! im just now finding all this mess in her deepths of paper work an mail she hid from me. so how does this work now seeing its not my account never was i just thought it was because its what my mother told me though i had no knownlege of the card or what was bought or anything she was a known con artist an did this to many family members as well. an im lost for words an i dont know what to do but she ruined my credit an put me in alot of debt thats not mine. so what do i do now? she passed away in XXXX  but we just went thru her room an boxes upon boxes of paper work an documents an bills an other items she had it took us years to do because she was a horder as well so she had alot an hid alot of things from me an my other sibbling im upset so what do i do now? seeing she used the account had the card an i never knew because she always hide the mail an bill from me! 

an XXXX  has been nothing but an XXXX to me telling me a XXXX  person who cant walk to get a desk job get a job we will keep taking you to court for this debt thats not even mine foe the next 10 years knowing i only get ssi

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
I WAS THE VICTIM OF IDENTITY THEFT. A COPY WAS SENT TO EQUIFAX AND THERE WASNT A RESPONSE ALSO THE POLICE REPORT WAS MAILED TO THEM AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my 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 2024-12-18 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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/year>, I noticed an unauthorized charge of {$200.00} on my account from XXXX XXXX. I did not make this purchase. I immediately contacted my bank to report the charge, as it was still pending at that time. Unfortunately, the bank was unable to stop the transaction. The charge was posted on XX/XX/year>. 

I also reached out to XXXX XXXX directly to dispute the charge, and they claimed to have no record of the purchase. Despite providing this information to my financial institution, they have insisted that the charge is valid. 

As a result, my financial institution has reported the charge to the credit bureaus, which could potentially affect my credit score. I have taken all necessary steps to resolve this issue by contacting both the bank and the merchant, but the matter remains unresolved. It has been over 102 days and still no help.

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 2024-12-18 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: NY

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 2024-12-18 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, my private student loan was sold ( from XXXX ) to Firstmark. As such, in XXXX, XXXX reported a {$0.00} balance and the loan was reported as closed. Since then, I have made my monthly payments ( in excess, nonetheless ) to Firstmark, to which they have receipt of payments, but the loan is not being included in their monthly Metro 2 file. So for 2 reporting cycles now, my loan is not being reported to the credit bureaus.

This is now making it look like I no longer have a student loan, thus reducing my mix of credit, and it has severely dropped my credit score from exceptional to very good.

I've contacted Firstmark, they admitted my loan isn't being reported, but there is no resolution on their end. As I close on my new mortgage next month, my interest rates will be negatively impacted due to this drastic drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and found XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ' and XXXX XXXX XXXX XXXX XXXX, NJ XXXX '. These addresses do not belong to me and need to be removed immediately. I currently reside at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Incorrect information like this can lead to fraud, identity theft, or confusion about my financial history. My credit report should only show my actual, verified address. Also, there is an error with my employer 's name. The incorrect variation " XXXX XXXX XXXX '' should be corrected to " XXXX XXXX XXXX ''. Please update my credit report as soon as possible to ensure it is accurate. Thank you for handling this quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: IL

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 2024-12-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : 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 2024-12-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX  XXXX Account Number : 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