vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>2024, XXXX/XXXX/2024, XXXX/2024,XXXX/2024 We sent registered mail to XXXX  XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). XXXX XXXX reported XXXX transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer XXXX  XXXX violated XXXX5 U.S. Code 1666b ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX/XXXX/2024, XX/XX/scrub>/2024, XXXX/2024,XXXX/2024 We sent registered mail to XXXX  XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). XXXX XXXX reported XXXX transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer XXXX  XXXX violated 15 U.S. Code 1666b ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraud. These actions, as well as any unauthorized inquiries, have been reported without my consent. I request verifiable proof of these actions, including documentation bearing my signature or electronic signature.

Please note, this letter is being submitted by me directly, and not through a third party. I have not authorized any of these actions, which I consider a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which covers the blocking of information resulting from a data breach or fraud, and Section 604, which outlines permissible purposes for consumer reports. 

I have already contacted the relevant companies and discovered that these actions were taken without proper validation or original proof from any of the reporting companies. Since I never authorized these accounts or inquiries, they are fraudulent and appear to be the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraud. These actions, as well as any unauthorized inquiries, have been reported without my consent. I request verifiable proof of these actions, including documentation bearing my signature or electronic signature. 

Please note, this letter is being submitted by me directly, and not through a third party. I have not authorized any of these actions, which I consider a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which covers the blocking of information resulting from a data breach or fraud, and Section 604, which outlines permissible purposes for consumer reports. 

I have already contacted the relevant companies and discovered that these actions were taken without proper validation or original proof from any of the reporting companies. Since I never authorized these accounts or inquiries, they are fraudulent and appear to be the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MOHELA
State: MN

Complaint narrative:
My student loans have been mishandled by Mohela. Mohela has failed to inform, process, and render decisions for me, particularly pertaining to my enrollment in the Public Service Loan Forgiveness program. Despite Mohela being the designated PSLF servicer for over a year before student loan payments were scheduled to resume ( following the COVID-19 pandemic relief efforts ), Mohela has not provided me accurate payment amounts in a timely fashion, has not responded to my phone or email inquiries in their published timeframe, has provided me CONTRADICTORY information regarding forbearances and payment counts, and is now failing to take accountability citing a lack of support from the Department of Education . Mohelas delays, inaccurate and untimely payment information, and inability to provide me with accurate information surrounding my loans and the PSLF program breach its responsibilities and duties. Inaccurate payment counts towards the required 120 payments for PSLF have been questioned by me ( either via phone or email/online chat ), and requests to be removed from forbearances that I did not consent to have been ignored or delayed such that a loss in ability to make qualifying payments has occurred. After being forced into a SAVE-related forbearance, Mohela was unable to process IDR-plan applications except for the Income-Based Repayment ( standard IBR ) option, leaving borrowers only one option for a payment plan that counted towards PSLF. A borrowers Defense Application was submitted by me to the Federal Student Aid in XXXX XXXX XXXX and as part of that application I requested ( documented in a saved copy of the signed application ) NOT to be placed in a forbearance so that my payments ( even the {$0.00} CARES Act ones ) would continue to count towards PSLF. Despite this, Mohela learned of my Borrowers Defense application ( attached in this complaint as a PDF ) and placed my loans in a forbearance that would NOT count towards PSLF. After calling Mohela to dispute the issues, with signed and dated proof of their error, they did not remove the forbearance in a timely manner and payment ( s ) that should have counted towards my PSLF were deemed not-qualifying. They also did not provide a reason for THEIR error. Currently, my Income-Driven-Repayment Plan renewal has been submitted to Mohela in order to participate in a IDR plan that qualifies for PSLF, and I requested not to be placed in a forbearance, yet I continue to be in one that does not count towards PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
My information was compromised under data breach and fraud will like items removed from my Credit The credit laws under 15 U.S.C. 1681 are part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). Below are the key provisions of this law : 1. Consumer Rights Under the FCRA The FCRA provides several rights to consumers, including : Access to Information : Consumers have the right to request and obtain a free credit report from each of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) once every 12 months. 
Right to Dispute Information : If a consumer finds inaccurate or incomplete information, they can dispute it with the CRA, which must investigate and correct or delete any inaccuracies.

Notice of Adverse Actions : If a consumer is denied credit, employment, or insurance due to information in their credit report, they must be informed and provided the name and contact information of the CRA that provided the report.

2. Responsibilities of Credit Reporting Agencies Accuracy Requirements : CRAs must maintain accurate and up-to-date information in consumer credit files. 
Duty to Investigate Disputes : When a consumer disputes an item, CRAs are required to investigate the claim within 30 days and correct any errors. 
Privacy and Security : CRAs can only share a consumers credit report with entities that have a legitimate purpose, such as lenders or employers ( with the consumers consent ). 

XXXX. Obligations for Furnishers of Information ( e.g., creditors, lenders ) Reporting Accurate Information : Entities furnishing information to CRAs must ensure the data is accurate and update or correct it if inaccuracies are found.

Responding to Disputes : They must investigate disputes forwarded to them by CRAs and provide timely corrections if errors are discovered.

4. Employment Screening Limitations Employers must obtain written consent from a consumer before accessing their credit report for employment purposes.

5. Identity Theft Protections Consumers can place a fraud alert or credit freeze on their credit reports to protect against identity theft.

6. Statutory Damages for Noncompliance Civil Liability : Consumers can sue for actual damages, statutory damages ( up to {$1000.00} ), and punitive damages in cases of willful noncompliance. 
Government Enforcement : Federal agencies like the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ) can enforce compliance. 

7. Special Provisions for Medical Debt, Tenant Screening, and More Recent amendments to the FCRA have added protections, such as limits on reporting medical debt and additional rights for tenants being screened by landlords.

For detailed provisions, you can review the statute directly at 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX. ****Date Opened : XXXX. XXXX, XXXX Balance Owed : {$0.00} -Bankruptcy XXXX Opened : XX/XX/XXXX {$0.00} -Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
in XXXX last year I use my SoFi debit card to purchase a subscription from XXXX That prescription for {$74.00} was due again at the end of XX/XX/year> the debit card that I used to purchase the first order from XXXX I no longer had that card when the second order was to be due. I had ordered a new debit card from SoFi, which arrived at my address on XXXX XXXX on XXXX XXXX XXXX sent me an email letting me know that my payment had been declined and in that message my new debit card number is what they were trying to charge. XXXX also gave my information to XXXX prime they kept trying to charge my account. SoFi provided both merchants with my account number and routing number without my permission. XXXX also was trying to charge my new debit card which I had never provided them with that information but they have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
it just so happened that they keep taking money out of my bank account, and i don.t see no change on my credit score

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute specific accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraudulent activity. These actions, along with any unauthorized inquiries, were reported without my consent. I am requesting verifiable proof of these actions, including documentation that includes my signature or electronic signature. 

Please be aware that this letter is submitted directly by me, not through any third party. I did not authorize these actions, which I believe violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which mandates the blocking of information stemming from a data breach or fraud, and Section 604, which outlines the permissible purposes for consumer reports. 

I have already reached out to the relevant companies and found that these actions were taken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are fraudulent and likely the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2300.00} Chargeoff XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance {$0.00} late closed XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 explanation