vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I borrowed {$500.00} from First Heritage Credit. I previously borrowed {$6000.00} from First Heritage Credit on XX/XX/2021. I paid both of these loans in full at the same time, same day. I understood that my payments due were XXXX as of that date. At this time, they were in the process of changing computer applications, and I believe incongruencies occurred at that time. Hopefully, data was not lost as I suspect it was. Several months later I received a bill from them for {$260.00}. They are continuing to charge me for an account which I previously paid in full. First Heritage has made an error in their record keeping. I discussed this matter with XXXX at the XXXX, TN, office and clearly stated that I was not responsible for this money as it was their error. I am unable to access my account information, such as my account number to provide documentation to confirm that this account was paid. As I believed my business with First Heritage was closed, unfortunately, I threw papers away. Either they are incompetent or dishonest. I am prepared to take further measures if they can not resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Account XXXX : XXXX As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Ma'am/Sir, I am writing to follow up on my previous letters regarding the inaccurate and misleading accounts that are still present on my credit report. Despite my repeated attempts to bring this matter to your attention, these accounts continue to persist on my report, causing unnecessary confusion and potential damage to my credit score. 

The following accounts continue to appear on my credit history : 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  As previously mentioned, these accounts contain inaccurate information and do not match the criteria set by the Fair Credit Reporting Act ( FCRA ). I have requested a thorough review, highlighting the discrepancies and inaccuracies in various criteria. As per my understanding, when there is a failure to verify the validity of these accounts, they are required to be removed entirely from my credit report. 

Upon recent verification, it is evident that these accounts are still incongruent with each other. I am deeply concerned about the potential harm to my reputation with future creditors if these inaccuracies persist on my credit file. I have worked diligently to maintain a positive credit record, and I am apprehensive about facing issues in the future, particularly when venturing into new business endeavors. 

My question remains, how did the verification process conducted for these accounts? I believe that it is essential for me to understand the process you used to verify the accuracy of the information contained in my credit report. 

I kindly request that you expunge these inaccurate accounts from my credit report immediately. I desire to start fresh with a clean slate and avoid any potential issues that may arise due to these erroneous accounts. 

I appreciate your prompt attention to this matter and expect prompt resolution. 


Regards, 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account with Experian for a quiet a while now, I always logged in to check my credit score, it has been a week since Im not able to login, I have contacted them to get some assistance and answers but they cant give me any reason why my account is inactive.

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 2024-02-26 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:
MOHELA committed financial fraud in XX/XX/XXXX. 

On XX/XX/XXXX I made a payment to MOHELA and requested my remaining balance for both principle and interest. The agent, XXXX ( XXXX # XXXX ), stated that my principle was {$10000.00} and that my interest was {$0.00}. I asked her to repeat these numbers several times to ensure they were correct and accurate. This conversation was recorded. 

On XX/XX/XXXX, I telephoned MOHELA again ands spoke with, XXXX  ( XXXX # XXXX ), regarding my physical bill, which was mailed via U.S. Post office and therefore constitutes a notarized legal document. The bill states that my principle balance is now {$10000.00}. The bill does not list any interest as I have enrolled in the fraudulent SAVE plan. Upon review, MOHELA stated that my principle balance is {$10000.00}, and my interest is {$33.00} USD. When questioned about the discrepancy I was initially informed that I was told a different number. Specifically, the number listed on my physical invoice. After informing the agent that I had recorded the conversation, I was subsequently informed that this was an alleged accident, and not illegal conduct being willfully concealed by MOHELA. 

This is fraud. This is wire fraud. This is financial fraud. 


This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

MOHELA is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month, and in a correct as well as accurate manner. 

This false information is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 


Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that MOHELA is unable to provide an accommodation in compliance with the ADA ( 1990 ). I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
This company has been not forthright with what was offered to begin, with my outstanding amount always changes to a higher amount, without reason. I've asked for things in writing to show me exactly where I stand I have not received. They have been aggressive and harassing that had stopped, and now I get a phone call saying my XXXX payment was missed which it was not. I can show that it was paid. I got a letter that it was late. They keep every month calling when my payment is never late. We have asked to change the due date so that the phone calls won't happen and they refuse. They started calling from different location numbers because I have the harassing and aggressive numbers blocked. I have missed XXXX payment so I do not understand the issue with this company and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Ability Recovery Services, LLC
State: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-02-26 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
afternoon i have been a identity theft victim for almost a year now i have sent you guys police report after police report and the accounts are still on my Experian report you guys removed them for a day and did reinserted them back on there i still dont know why when its FRAUD can uou guys please remove this fraud as its costing me XXXX in fees

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-26 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I submitted a lengthy review of my credit report to Experian. Experian stated it was me who submitted it, so they denied it despite me showing identification proving I submitted the report. I demand that the credit bureaus review my dispute in detail and show absolute proof these debts are mine ( which they can not ), or remove them altogether. 

If CFPB has powers to order their removal, then I request this step be taken

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 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XXXX was informed via credit report that a collection notification from Credence Resource Management in regards to doing business with XXXX XXXX XXXX  the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt and furnish it without validation or verification of the debt, I Do not owe to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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:
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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief