vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
There are several problems with MOHELA. First, in transferring my loans to the Department of Education, they claimed I was in forbearance. Yet, I was still charged every month and the money taken out of my account. Given the poor reporting that MOHELA has done on these loans, it is unclear if the payments I made during this period counted towards XXXX as they delayed my payoff date by about XXXX months, despite taking payments from my account during this time. Now, the department of education says I have reached my XXXX payments, and the website says no more payments are due. But MOHELA just sent an email saying I will owe another payment later this month. No company should be run this poorly, and it is unconscionable that they can continue to take payments because ( apparently ) their recording keeping is so poor they don't know when they've been paid off. This practice is straight-up theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) ConServe XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX : Rebuttal to ConServes Response Regarding Debt Validation Account Number XXXX Dear CFPB and ConServe, This letter serves as a formal rebuttal to ConServes response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While ConServe correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

ConServe claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to ConServe, and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by ConServe is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX Experian XXXX : Rebuttal to XXXX Response Regarding Debt Validation Account Number XXXX Dear CFPB and XXXX, This letter serves as a formal rebuttal to XXXX response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While XXXX correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

XXXX claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to XXXX, and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by XXXX  is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I had an issue with my mail and apparently my XXXX XXXX account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at XXXX XXXX, failed to remove the account from the Early Warning Services list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, Early Warning Services, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and XXXX XXXX, due to the representative 's error on the XXXX XXXX side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX  and has no one else. Unless this is corrected ASAP by Early Warning Services, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX 

He is XXXX  and he really needs the assistance to live life with dignity. 

Please help me with this. 

This Early Warning Services Company is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence. 

I just need this fix so that XXXX XXXX will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
XXXX XXXX, XXXX, XX/XX/1988, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported.The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
Mohela is committing fraud on my loans while they are in administrative forbearance. The loans are in forbearance due to the XXXX administration 's XXXX plan being challenged in the courts. The loans were placed in forbearance in XXXX 2024. I received documentation from Mohela stating " no interest would accrue '' during the forbearance period on XX/XX/year>. Yesterday, on XX/XX/year>, I received a notification stating interest WAS accruing and noticed hundreds and hundreds of dollars in interest added to my loans. I contacted Mohela and they were unresponsive. I am requesting that the illegal interest charges be removed from my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-04 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:
XXXX XXXX, XXXX, 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 four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported.The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2024-12-04 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I was on vacation in XXXX and my debit and credit card was stolen. I was drugged and robbed. I called my bank to inform them not to authorize the transaction while they were still pending they said they would have to wait to see if they would clear first. They did end up clearing in the amount of about XXXX. As of now they found an error on about XXXX worth of the transactions. The remaining transactions they keep saying no error occurred even thought they happened on the same day within hours of each other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Account Number Balance XXXX XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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