vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: DC

Complaint narrative:
On XX/XX/XXXX I received notice of a Mohela forbearance where I could then make a request for a refund of payments made between XX/XX/XXXX and XX/XX/XXXX which I did in writing on XX/XX/XXXX ( unfortunately my request was on the old servicing platform that I can not access ). I was told I would receive my {$300.00} payment from XX/XX/XXXX and {$3000.00} from XX/XX/XXXX. I received a check mailed on XX/XX/XXXX for {$2600.00} ( assuming this is the {$3000.00} minus the {$300.00} auto pay ( times two ) from XXXX and XXXX ). I cashed the check and immediately had a stop check and {$15.00} fee from my bank. I have called Mohela countless times thereafter to remedy this, I was told that because the refund was processed and placed my account into delinquency, that the check was forfeit/stopped. But I was never notified of this prior to or after receiving the check, thereby losing the check for {$2600.00} AND {$15.00}. I was even placed in a general forbearance in XXXX to remedy this situation, I was told that a ticket was sent to accounting/management on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX via phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX 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 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I am disputing late payments reported by Upgrade , Inc. to the credit bureaus on my account due to insufficient funds. While Upgrade has provided me with a transaction history in response to my dispute, their response fails to meet the legal requirements for substantiating their claims under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically : Failure to Notify Adequately ( TILA ) : Upgrade did not provide clear, timely, or sufficient notification of the alleged insufficient funds or late payments, as required under 12 CFR 1026.36 ( c ) ( 1 ). This failure prevented me from addressing the issue before it was reported negatively. 

Inadequate Burden of Proof ( FCRA ) : The records Upgrade provided are generic and do not satisfy the requirements under 15 U.S.C. 1681s-2 ( b ) to prove the accuracy of their reporting. Their response does not demonstrate that a reasonable investigation into my dispute was conducted or that the reporting process met accuracy and fairness standards. 

Equitable Considerations : My account reflects a history of good faith payments, and any payment issues were likely due to procedural errors or unclear notifications from Upgrade. The ongoing reporting of late payments continues to cause undue harm to my financial reputation. 

I demand the immediate removal of these late payments from all credit bureaus, as Upgrade has failed to meet their legal obligations under TILA and FCRA. I also request written confirmation that the negative entries have been removed and that my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX } - { XXXX XXXX XXXX } - XXXX  { XXXX } - { XXXX XXXX XXXX } { XXXX XXXX XXXX } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$0.00} Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX Employers : XXXX Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

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 2024-12-02 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: CA

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified unauthorized credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$330.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$3.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There were two ( 2 ) fraud charges with the same merchant, a week apart, using my credit card information. I was traveling and NOT getting credit card activity notifications on my cell phone. I was unaware of these transactions until my card was cancelled. I then spoke with a fraud agent. She asked me to verify activity on my card by questioning ONLY 3 transactions, so I was still unaware that there were two ( 2 ) fraud transactions. 
Within a day or so I realized that the credit card company was only addressing one ( 1 ) fraud transaction. I called back, got a different agent, identified the XX/XX/2024 transaction for {$2600.00} as fraud. A claim was opened but without any further input from me the claim was denied. I called back again, got a different agent. He agreed that both transactions were fraudulent but actually said he " must choose between the card holder and the merchant ''. My claim was again denied.

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 monetary relief
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
Heres a draft for your response to the CFPBs What happened? section based on the language and tone of your cease-and-desist letter : What happened? 

On multiple occasions, I requested validation of an alleged debt associated with my XXXX  XXXX XXXX loan, in accordance with federal law. Specifically, I sent three certified letters to the creditor, XXXX XXXX XXXX XXXX, on XX/XX/year>, XX/XX/year>, and XX/XX/year>, respectively. Each letter formally requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). Despite receiving all three certified requests, the creditor failed to provide any form of validation or proof of the debts legitimacy. 

Furthermore, despite their failure to validate the debt as required under federal law, XXXX XXXX XXXX XXXX reported the alleged delinquency to credit reporting agencies without my express written consent. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which prohibits reporting consumer information to credit bureaus without authorization. 

I believe these actions constitute willful noncompliance with federal consumer protection laws, including but not limited to : 15 U.S.C. 1681b : Prohibiting the reporting of consumer information without express written permission.

15 U.S.C. 1641 and 1643 : Requiring creditors to provide clear validation of a debt when requested.

15 U.S.C. 1681n and 1681o : Holding entities liable for willful or negligent noncompliance with the FCRA. 

I have acted in good faith to resolve this issue by requesting debt validation, as documented by my certified mailings. XXXX XXXX XXXX XXXX has ignored these requests, violated my consumer rights, and caused harm to my credit profile by reporting unverifiable information. I am requesting that the CFPB ensure the removal of all inaccurate and unauthorized information from my credit report and hold the creditor accountable for their actions. 

Feel free to adjust the tone or add additional details specific to your situation.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Heres a draft for your response to the CFPBs What happened? section based on the language and tone of your cease-and-desist letter : What happened? 

On multiple occasions, I requested validation of an alleged debt associated with my XXXX  XXXX XXXX loan, in accordance with federal law. Specifically, I sent three certified letters to the creditor, XXXX XXXX XXXX XXXX, on XX/XX/year>, XX/XX/year>, and XX/XX/year>, respectively. Each letter formally requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). Despite receiving all three certified requests, the creditor failed to provide any form of validation or proof of the debts legitimacy. 

Furthermore, despite their failure to validate the debt as required under federal law, XXXX XXXX XXXX XXXX reported the alleged delinquency to credit reporting agencies without my express written consent. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which prohibits reporting consumer information to credit bureaus without authorization. 

I believe these actions constitute willful noncompliance with federal consumer protection laws, including but not limited to : 15 U.S.C. 1681b : Prohibiting the reporting of consumer information without express written permission.

15 U.S.C. 1641 and 1643 : Requiring creditors to provide clear validation of a debt when requested.

15 U.S.C. 1681n and 1681o : Holding entities liable for willful or negligent noncompliance with the FCRA. 

I have acted in good faith to resolve this issue by requesting debt validation, as documented by my certified mailings. XXXX XXXX XXXX XXXX has ignored these requests, violated my consumer rights, and caused harm to my credit profile by reporting unverifiable information. I am requesting that the CFPB ensure the removal of all inaccurate and unauthorized information from my credit report and hold the creditor accountable for their actions. 

Feel free to adjust the tone or add additional details specific to your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
Heres a draft for your response to the CFPBs What happened? section based on the language and tone of your cease-and-desist letter : What happened? 

On multiple occasions, I requested validation of an alleged debt associated with my XXXX  XXXX XXXX loan, in accordance with federal law. Specifically, I sent three certified letters to the creditor, XXXX XXXX XXXX XXXX, on XX/XX/year>, XX/XX/year>, and XX/XX/year>, respectively. Each letter formally requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). Despite receiving all three certified requests, the creditor failed to provide any form of validation or proof of the debts legitimacy. 

Furthermore, despite their failure to validate the debt as required under federal law, XXXX XXXX XXXX XXXX reported the alleged delinquency to credit reporting agencies without my express written consent. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which prohibits reporting consumer information to credit bureaus without authorization. 

I believe these actions constitute willful noncompliance with federal consumer protection laws, including but not limited to : 15 U.S.C. 1681b : Prohibiting the reporting of consumer information without express written permission.

15 U.S.C. 1641 and 1643 : Requiring creditors to provide clear validation of a debt when requested.

15 U.S.C. 1681n and 1681o : Holding entities liable for willful or negligent noncompliance with the FCRA. 

I have acted in good faith to resolve this issue by requesting debt validation, as documented by my certified mailings. XXXX XXXX XXXX XXXX has ignored these requests, violated my consumer rights, and caused harm to my credit profile by reporting unverifiable information. I am requesting that the CFPB ensure the removal of all inaccurate and unauthorized information from my credit report and hold the creditor accountable for their actions. 

Feel free to adjust the tone or add additional details specific to your situation.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>XXXX  I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.

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