vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IL

Complaint narrative:
I'm in the XXXX plan, which was placed in an administrative forbearance. I noticed a few months ago that interest accrued on my loan even though that was not supposed to happen when students are on the XXXX plan, and it also was not supposed to happen when students were placed into administrative forbearance. My loans went from XXXX to XXXX when Mohela moved from the Mohela website to the Federal student aid website, and then interest just accrued again to over XXXX during the administrative forbearance because XXXX is being blocked in court. That should have never happened. Mohela also sent me a letter informing me about interest accruing on 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> i contacted my bank and submitted a claim XX/XX/XXXX i sent {$200.00} to a person who was supposed to take over the remainder of my lease contract. with the {$200.00}, it covered the application fee however the person never finished with the application process and refused to send me my money back. the money was sent through XXXX XXXX

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX XXXX XXXXXXXX is being reported as a written off. This is 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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX  XXXX XXXX is being reported as a written off. This is fraud.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a XXXX from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX  XXXX XXXX is being reported as a written off. This is 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 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I'm writing to formally lodge a complaint against SoFi Bank regarding the restriction placed on my account ( [ Account Number : XXXX ] ) due to my direct deposit made into my account. Despite multiple attempts to resolve the issue directly with the bank, I have not received a clear explanation, solution, or timeline for when access to my funds will be restored. 

The restriction on my account has caused a lot of inconveniences, as I rely on it for paying bills, business operations, and medical bills I have tried to contact the bank, but their responses have been unsatisfactory, and the issue remains unresolved. 

Bank Name : SoFi Bank Account Name : XXXX XXXX Account Number : XXXX Date Issue Began : XX/XX/year> Attempts to Resolve : I have called several, and they are not giving me a good time frame to resolve this issue

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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cards XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate credit reporting by XXXXXXXX XXXX ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. 

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
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 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the 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 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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 2024-12-04 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: AZ

Complaint narrative:
XXXX XXXX account reporting that is not mine.

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: 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: MS

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}

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: MS

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$26000.00}

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}

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