vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: MI

Complaint narrative:
My loan servicer for all of my loans is MOHELA. I am on he SAVE payment plan. According to srudentaid.gov, interest has been accruing on my loans during the payment pause, despite receiving letter from MOHELA this would not happen in XXXX and XX/XX/XXXX. They then sent me a letter in XX/XX/XXXX saying interest accrues in Forbearance, but I'm in the SAVE forbearance, so this should not be happening, per studentaid.gov website. I called MOHELA today ( XX/XX/XXXX ), and they tried to tell me interest was not accruing, despite me quoting the exact amount from studentaid.gov. ( over {$470.00} of interest has accrued ). 

MOHELA customer service rep also confirmed that they received by IBR application that I submitted on XX/XX/XXXX on the studentaid.gov website. MOHELA told me they are not going to process my IBR application because I am on SAVE. I told them this is not what studentaid.gov says : https : //studentaid.govXXXX Despite receiving my application, MOHELA also refuses to put me in a processing forbearance that would count toward PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX Dear Collector, I am writing this letter in to despite discrepancies in my credit report. I dont believe I owe this debt or what you say I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 
Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
** [ XXXX XXXX ] ** [ XXXX XXXX XXXX ] [ XXXX, ga XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] **Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear Equifax Information Services , I am writing to formally dispute certain inaccurate, outdated, or unverifiable items on my credit report. These items are outlined below, and I am requesting their removal or correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

# # # **Accounts in Violation of FCRA** 1. **Account Name/Number : XXXX XXXX XXXX ( Account XXXX XXXX ) ** - **Issue : ** This account shows delinquencies beginning XX/XX/year> but remains scheduled until XXXX, which exceeds the FCRAs seven-year limit for reporting negative information.

- **Requested Action : ** Remove this account from my credit report. 

2. **Account Name/Number : XXXX XXXX ( Account Ending XXXX ) ** - **Issue : ** This account contains unresolved disputed information that has not been independently verified as required under FCRA Section 611.

- **Requested Action : ** Remove this item unless full verification and supporting documentation can be provided. 

3. **Unauthorized Hard Inquiries** - **Issue : ** My report lists inquiries by [ e.g., XXXX ] and other entities that I did not authorize.

- **Requested Action : ** Remove all unauthorized inquiries unless documentation of my consent is provided.

# # # Supporting Information : I have included a copy of my credit report highlighting the disputed items, along with any supporting documents to assist in your investigation.

# # # Legal Obligations Under the FCRA : As mandated by the FCRA, you are required to : 1. Investigate my disputes and respond within 30 days.

2. Remove or correct inaccurate, outdated, or unverified information.

3. Provide written confirmation of your investigation and its resolution.

Failure to comply with these requirements may result in legal action for violations of my rights under the FCRA.

# # # Requested Resolution : I request that the identified items be removed from my credit report, and that I be provided with an updated report reflecting these changes.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

Sincerely, [ XXXX XXXX ] **Attachments : ** - Copy of credit report with disputed items highlighted - Supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Accounts were created under my name and information fraudulently without my authorization or knowledge. The fraudulent claim account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: SG and Associates
State: IL

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

( STAfford Group 15 USC 1681 Section 602 A states that I have a right to privacy. >>15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

What would be a fair resolution to this issue?

Delete these accounts immediately unless you want to be held for {$1000.00} per violation.

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 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington Law has being charing me {$120.00} for 10 years and still never fixed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage corporation will not allow new borrowers of VA assumed loans online access to their accounts and mortgage information. This is an accountability problem as new borrowers will not be able to hold freedom accountable or identify any issues with their mortgage.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
attached identity theft report please remove XXXX  account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Every year after renew my home insurance I have same issue with my TD bank mortgage to furnish them updated information. They sent me 3 letters already to request update my home insurance and treated me to obtain their insurance much more expensive than I already have. I sent to them bunch of emails with attachments of my insurance information, I sent them also letter with a copy of my home insurance, I called them several times to explain what I did. Finally they received according what they said requested information. This whole thing cost me lots of nerves and frustration about totally ignored incompetent people. I'm fearful already thinking about next upcoming renewal my home insurance and going through this again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-02 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: FL

Complaint narrative:
This situation is completely unacceptable. Accounts in pending litigation are still appearing on my credit report, and its damaging my credit score every day. Ive reached out several times to correct this, but I havent seen any real progress.

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 2025-01-02 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-02 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: GA

Complaint narrative:
I was part of Equifax Identity Data Breach Settlement, and I am filling this FTC Identity Theft Affidavit to report an account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of personal loans open from XXXX XXXX XXXX opened XX/XX/year>. This account have resulted in a fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB compliant has been filed to request pursuant of FCRA 605B ( 15 USC 1681c-2 ) that you, Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft during the Equifax Data Breach and fraud within 4 business days of you receiving this compliant. This fraudulent inaccurate and false information consists of personal loans open from XXXX XXXX XXXX opened XX/XX/year>. I have attached a list of this fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collection appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned account and collection are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
At this point we are at the end our rope dealing our banks and Zelle. I have tried speaking with someone several times at XXXX, Zelle and XXXX XXXX about a Zelle transaction that was never received and I am getting nowhere. So I hope this message gets to someone who can help me. We can not afford to lose any money. 
My mother XXXX XXXX sent me a Zelle transaction ( confirmation XXXX ) of {$75.00} on XX/XX/XXXX at XXXX from her XXXXXXXX XXXX account. She sent it my phone number of XXXX. My XXXX XXXX Zelle did not have my phone number associated with it. I updated it on XX/XX/XXXX within the XXXXXXXX XXXX. I was told to wait until the end of the day by a supervisor at XXXX. Low and behold no {$75.00} deposit was ever posted to my account. I then waited several BUSINESS DAYS and NO DEPOSIT. My mother called her bank and she was told the Zelle was processed and it was completed and they could not do anything. I called both XXXX and Zelle customer services and I was told to have my mother call her bank again and see if they can dispute it. She called her bank and disputed it and they again said they found no error on their end and there is nothing they can do. The customer service person at XXXX  did tell her that my phone number was associated with a XXXXXXXX XXXX XXXX Account which I never had a bank account with said bank. I have only had a XXXX  account and an account with XXXX XXXX XXXX XXXX XXXX have tried speaking with someone several times at XXXX, Zelle and XXXX XXXX about a Zelle transaction that was never received and I am getting nowhere. So I hope this message gets to someone who can help me. We can not afford to lose any money. 
My mother XXXX XXXX sent me a Zelle transaction ( confirmation XXXX ) of {$75.00} on XX/XX/XXXX at XXXX from her XXXXXXXX XXXX account. She sent it my phone number of XXXX. My XXXX XXXX Zelle did not have my phone number associated with it. I updated it on XX/XX/XXXX within the XXXXXXXX XXXX. I was told to wait until the end of the day by a supervisor at XXXX. Low and behold no {$75.00} deposit was ever posted to my account. I then waited several BUSINESS DAYS and NO DEPOSIT. My mother called her bank and she was told the Zelle was processed and it was completed and they could not do anything. I called both XXXX and Zelle customer services and I was told to have my mother call her bank again and see if they can dispute it. She called her bank and disputed it and they again said they found no error on their end and there is nothing they can do. The customer service person at XXXX did tell her that my phone number was associated with a XXXX XXXXXXXX XXXX  Account which I never had a bank account with said bank. I have only had a XXXX account and an account with XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I got a loan of about {$3000.00} from Synchrony Home. The store, which is now closed, told us that the loan would be for five years, and I trusted the store and signed the paperwork. Synchrony puts the minimum payment in the account instead of dividing the loan amount into 12 months. Synchrony, in fact, put the minimum payment amounts, which I assumed it would be paid in five years. Even when I referred to terms and conditions, there was no mandatory minimum payment dues at all. THE ONLY CONDITION IS TO PAY IN FULL IN ONE YEAR. Which I had to do, which was more deceptive. When I realized money had been charged to my account, I contacted Synchrony, and they simply denied any wrongdoing and refused to refund the interest charged to my account. In addition, they did not communicate the matter online or by mail to remind me of my late payments. They simply keep you in the dark with the wrong information to charge you 35 % interest, fines, and 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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