vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
Mohela has made an absolute disaster of my student loans. They are trying to charge me for a loan that was already forgiven, in addition to messing up payment schedules and amounts every billing cycle. They have no staff to handle calls in a reasonable manner. I'm within XXXX  months of the PSLF program and starting XX/XX/year>, they're trying to start XXXX more payments. I plan on seeking legal action against them, because of their miss management and gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding an issue I have encountered with a credit bureau that has refused to update my personal information as per my rights as a consumer. 
I have made several requests to the credit bureau to ensure that only the address listed on my identification is maintained on my credit profile. Despite my repeated attempts, they have not complied with my request. I would like to understand if the law permits them to disregard my rights as a consumer in this matter. 
I believe that consumers have the right to have accurate and updated information on their credit profiles, and I am concerned that my rights are not being upheld. I would appreciate any guidance or support you can provide to help resolve this issue.

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 2024-10-20 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: TX

Complaint narrative:
Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding an issue I have encountered with a credit bureau that has refused to update my personal information as per my rights as a consumer. 
I have made several requests to the credit bureau to ensure that only the address listed on my identification is maintained on my credit profile. Despite my repeated attempts, they have not complied with my request. I would like to understand if the law permits them to disregard my rights as a consumer in this matter. 
I believe that consumers have the right to have accurate and updated information on their credit profiles, and I am concerned that my rights are not being upheld. I would appreciate any guidance or support you can provide to help resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number :, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I had direct deposit into this account for over XXXX years I deposited XXXX good check and they both were cleared after XXXX days and nite sitting in the account all of a sudden they froze my access to my account for about XXXX years thin they went into my account deducted XXXX dollar from it when there was a total of XXXX over the years while interest grew XXXX turned into XXXX I called to confront who ever is taking funds from my account witch is a violation of there contract. I did not authorize anyone to touch funds from my account that is foul in so many different ways I need my XXXX now I'm about to seek legal help from an attorney I'll also include consumer finance wasn't much help because the bank just laughed at their request like they been doing me for years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX ] Re : Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report while my credit was frozen. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have my personal and financial information protected. The presence of these inquiries constitutes a violation of my rights under the FCRA. 
Specifically, I did not authorize these inquiries, and they were made while my credit report was frozen, which further demonstrates that they were illegal and unauthorized. The details of the unauthorized inquiries are as follows : Inquiry XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX XXXX of Inquiry XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX I request that these inquiries be removed from my credit report immediately. I am enclosing copies of my credit report showing the inquiries, Also, I have a spoken to several operators/representatives from your company in the membership department who has acknowledged on audio tape that my report was frozen from XX/XX/XXXX until XX/XX/XXXX. 
If these inquiries are not removed, I am prepared to escalate this matter by seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). The FCRA provides for statutory damages in cases of willful non-compliance, and I take my rights very seriously. 
Please investigate this matter promptly and confirm that the unauthorized inquiries have been removed from my report. I request that you send me a new copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : CFPB, FTC, FCRA

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 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  FUNDING Address : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX  address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO

Complaint narrative:
I requested from Mercantile Adjustment Bureau proof of the Debt by mail with a certified return receipt sent out XX/XX/year>. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions Investments LLC has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Absolute Resolutions Investments LLCs ' failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by XXXX XXXX XXXX. 


Absolute Resolutions Investments LLC has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

Pre- Arbitration Notice This is considered official Pre-Arbitration Notice and notice of self executing counterclaim contract to be enacted. From previous notice of dispute 1. 

Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the XXXX XXXX XXXX in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator ( s ) may be entered in any court having jurisdiction thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NV

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I requested from Midland Credit Managment Inc. on XX/XX/year>, proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX  Account Number : XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These names are not correct on my credit report. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.

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 2024-10-21 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: NY

Complaint narrative:
XXXX CREDIT/CRAZY CAR XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Navient Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Student Loan Account Dear Navient, I am writing to formally express my complaint regarding my student loan account. I have encountered the following issues : Billing Discrepancies : I have noticed discrepancies in my billing statements, including charges that I believe are incorrect. For example, my statement dated XXXX shows an unexpected late fee, which I believe is inaccurate as I made my payment on time.

Lack of Communication : On XX/XX/year>, I contacted customer service to inquire about this matter. I spoke with [ XXXX XXXX XXXX ], but I have not received a satisfactory resolution or follow-up regarding my concerns.

Impact on Finances : This issue has caused financial strain and confusion regarding my repayment plan, making it difficult for me to manage my budget effectively.

To resolve this matter, I request a thorough review of my account and a correction of any inaccuracies. I would also appreciate clear communication regarding my account status moving forward.

I look forward to your prompt response to this complaint. Please contact me at discuss this matter further.

Thank you for your attention to this issue.

Sincerely,

Company response to consumer: Closed with explanation