vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
My information was leaked in a data breach of over XXXX XXXX people and for the past few years someone has been using my information in XXXX creating open accounts and debts that I didnt accumulate and according to 15 USC 1681 these go against my rights and I would like them to be removed. Ive been living in XXXX and have not lived in 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
Consumer complaint received 2024-12-31 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:
Recently, I did an investigation on my credit report and found several items listed to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about to whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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 2024-12-31 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:
Recently, I did an investigation on my credit report and found several items listed to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about to whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Hi, At multiple times throughout this year and last I bought XXXX gift cards issued by American Express directly from the company. I bought 24 cards in total. Each card is active and has a balance. None of the cards work at XXXX properties  and everytime the hotel tries to run the cards they are declined. The terms clearly state these cards are valid for " use at XXXX XXXX and properties worldwide. '' This is a known problem with American Express and many other people are having similar issues. I would like a refund via check for all of these cards that do not work. 

Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX Upon checking my annual credit report with all XXXX credit Bureaus I noticed Bank of America has reported account # XXXX as Charged off / Never Late/ Written Off - In XX/XX/XXXX. According to FCRA section 623 ( 15 U.S.C 1681-2 ) I am required to have a XXXX which i never received. As a result I requested a copy of the XXXX with BOA and was informed by the Bank of America representative that the information is not available. I would like to have this inaccurate reporting removed from my credit report from all 3 Bureaus immediately because this is damaging to my credit. Thank you

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
XX/XX/2024 Attn : Hunt & Henriques LLP XXXX XXXX XXXX XXXX XXXX Ca XXXX To Whom This May Concern, I am writing this letter to follow up about the request sent via mail, letter dated XX/XX/2024. As of today you have failed to provide ALL requested documents as stated on that request. Please find a copy of that original letter sent. It is your obligation to follow up with what is being requested by the attached letter. 

Please REFRAIN FROM CONTACTING ME VIA TELEPHONE. Any pertinent information regarding account stated above should be sent by mail only. 

Please send as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
writing to formally dispute the handling of a debt allegedly owed to XXXX XXXX XXXX XXXX, now owned by XXXX XXXX XXXX, in the amount of {$620.00}. 

I have never received a written notice of debt validation or a purchase of debt letter regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], I am entitled to receive a written notice containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. My rights to dispute the debt or request verification within 30 days. 

Additionally, I have evidence that no such letter was sent. I receive daily notifications from the United States Postal Service ( XXXX ) via their Informed Delivery service, which provides images of all mail delivered to my address. There has been no record of any correspondence from Absolute Resolutions regarding this debt. 

This failure to provide proper notification constitutes a violation of my rights under the FDCPA. 


Please consider this letter a formal complaint and demand for resolution. I request a written response within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
About 2 years ago, my federal student loans were transferred from XXXX XXXX to MOHELA, and established autopayment with them ( through their platform ). Recently, MOHELA rolled out a new platform, but it required all borrowers to redo their autopay information. I did this in XXXX, and my first payment on the new platform was taken out on XX/XX/XXXX. 

Everything seemed fine, and my XX/XX/XXXX payment was taken out of my account, you can see screenshots attached of my XX/XX/XXXX payment and XX/XX/XXXX payment coming out of my primary checking account. 

I received an email a few days after XX/XX/XXXX indicating that my payment was past due. I checked and verified that my account was debited for the amount. I logged into the platform and did see my account was, and still is, past due for {$110.00}. 

I contacted MOHELA via phone to ask about this, and after about a XXXX hour wait, I was told the issue was 'my account number starts with a certain number that causes it. ' They told me to contact my bank. Well, I work for my bank and know that was not a trust reason, and asked to speak with someone else. After another 2 hour wait, I spoke with someone new. This call lasted about one hour and by the end we concluded the following : 1 ) My payment was put in suspension and they 'manually moved it out of suspension and will see it on my account in a couple days '.

2 ) They don't know why my account automatically 'suspended " my payment.

3 ) They don't know why sometimes my additional {$100.00} principal only payments don't only get applied to principal.

4 ) Don't know why my account was put in 'administrative forbearance '.

MOHELA has been nothing but a nightmare to deal with. My autopayment was originated through their platform and system, but they have taken the money out of my account and not applied it to the loan. It is XX/XX/XXXX when I am submitting this, and still showing past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
EXPERIAN IS REPORTING XXXX XXXX  ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXXXXXX 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
Consumer complaint received 2024-12-31 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:
EXPERIAN IS REPORTING XXXXXXXX XXXX ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXXXXXX 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
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
It has been discovered that XXXX XXXX XXXX is acting as servicer for Absolute Resolutions Corporation for charges made to the principal, XXXX XXXX XXXX, Estate. Contact was made on XXXX to both companies to obtain proof of authority to administer the principle 's estate. XXXX XXXX and XXXX XXXX responded by stating they could answer no more questions. The issue here is that no person has any lawful authority to administer or speak to the estate because none was given. No prior consent was given directly from XXXX XXXX XXXX to obtain, share, sell, store, nor transfer any private non-public personal information belonging to the estate. Therefore, it has been obtain by fraudulent means. A report is being made to the Federal Trade Commission regarding this matter and legal counsel is being sought. The estate is seeking redress for the companies to immediately cease collection activity and release all alleged claims regarding any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CO

Complaint narrative:
I am continuing to have a rising balance on my student loans despite being informed that I am in interest free forbearance currently. I have contacted Mohela on XXXX occasions and have been given XXXX different explanations as to why this is happening. I am told they will rectify my loan balance in the future which is extremely concerning. For example my loan balance has increased from {$360000.00} on XX/XX/XXXX to {$360000.00} on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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'm writing to who it may concern as my credit report has been adversely affected by several fraudulent accounts and inquires. It has affected my livelihood my personal life and my credit life. I demand these erroneous accounts be removed from my credit report immediately and my credit report updated. I have my supporting documentation here below regarding these accounts and inquiries. I have been a victim of identity theft and have my supporting documents and information below. 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 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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
have had this card a very short time with small charges two charges below {$90.00}. my daily check on bank account web site and in person at the bank. 
I found a charge at my bank statement for XXXX. I asked the to find to how or what vender the moneys were paid. After the their security check I was informed they found no link nor who the had billed me. 
Shortly after I got a bill from Barclays credit card for {$430.00} I then contacted Barclays costumer support and asked who they they had on their records that they claimed the charge was made. They couldn't find any information, according to their records. I challenged the bill from them and after many contacts buy phone I was directed to their security. 
I was told to destroy my card and they would issue a new card. A few days later I receive, a new card by express delivery. When I called to activate they informed me it couldn't be activated as I had a overdue payment for {$410.00}. 
I again asked for a fraud investigation, 3 days later I recieved another new card. Called and was told I still had {$410.00} Balance due. No activation because of this balance due. Frustrated!!

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 2024-12-31 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: AZ

Complaint narrative:
Back in XXXX, I contacted Equifax, XXXX, and XXXX about XXXX accounts being reported on my credit reports. The accounts in question were being reported incorrectly on my reports. Each of the 3 agencies were reporting inaccurate, inconsistent, and false information. XXXX was the most helpful, and they removed all of the items. I got mixed results from XXXX and Equifax. 

The accounts in question are : XXXX XXXX ( still reporting incorrectly on Equifax XXXX XXXX ) XXXX XXXX ( still reporting incorrectly on Equifax XXXX XXXX ) XXXX XXXX XXXX ( still reporting incorrectly on XXXX ) XXXX XXXX XXXX ( still reporting incorrectly on XXXX ) XXXX ( still reporting incorrectly on XXXX ) Please note, all of these accounts are closed. 


Equifax and XXXX are currently violating the following laws : -Failure to Investigate Disputes ( 611 of FCRA ) -Failure to Correct or Delete Inaccurate Information ( 611 & 623 of FCRA ) -Failure to Note the Dispute on Your Report ( 611 ( c ) ) -Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) -Failure to Block Fraudulent Information ( 605B ) I would like some resolution to this problem, I've been dealing with it for a long time and these companies simply refuse to follow the law. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: AZ

Complaint narrative:
Back in XXXX, I contacted XXXX, Experian, and XXXX about XXXX accounts being reported on my credit reports. The accounts in question were being reported incorrectly on my reports. Each of the XXXX agencies were reporting inaccurate, inconsistent, and false information. XXXX was the most helpful, and they removed all of the items. I got mixed results from Experian and XXXX. 

The accounts in question are : XXXXXXXX XXXX ( still reporting incorrectly on XXXX XXXX Experian ) XXXX XXXX ( still reporting incorrectly on XXXX XXXX Experian ) XXXXXXXX XXXX XXXX ( still reporting incorrectly on Experian ) XXXX XXXX XXXX ( still reporting incorrectly on Experian ) XXXX ( still reporting incorrectly on Experian ) Please note, all of these accounts are closed. 


XXXX and Experian are currently violating the following laws : -Failure to Investigate Disputes ( XXXX of FCRA ) -Failure to Correct or Delete Inaccurate Information ( 611 & 623 of FCRA ) -Failure to Note the Dispute on Your Report ( 611 ( c ) ) -Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) -Failure to Block Fraudulent Information ( 605B ) I would like some resolution to this problem, I've been dealing with it for a long time and these companies simply refuse to follow the law. Thank you!

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 2024-12-31 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: GA

Complaint narrative:
I am writing to file a complaint regarding an ongoing issue with a medical debt that has been inaccurately reported on my credit report. This matter involves [ XXXX. ] and subsequent collection agencies { XXXX XXXX & XXXX XXXX XXXX }. 

Here is a summary of the situation : 1. Paid Debt : This medical bill was covered and paid through my insurance. 

2. Debt Removal : After contacting the previous collection agency, they removed the debt from my credit report, acknowledging the error ( XXXX XXXX XXXX ). 

3. Debt Resold : Despite this resolution, the debt was sold to another collection agency ( XXXX XXXX ) and has since been re-reported on my credit report, causing unnecessary distress and potentially damaging my credit standing. 

I have made every effort to resolve this directly with the collection agencies involved but have been unable to reach a satisfactory resolution. I am requesting CFPB 's assistance in addressing the following : - ) Ensuring this debt is permanently removed from my credit report. 

- ) Preventing any future sale or reporting of this invalid debt. 

- ) Investigating the practices of the collection agencies involved to ensure compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter are copies of relevant documents, including : - ) Correspondence with the previous collection agency confirming the debts removal. 
- ) Current credit report showing the re-reported debt. 

I kindly ask for your prompt attention to this matter to ensure that it is resolved fairly and permanently. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am writing to file a complaint regarding an ongoing issue with a medical debt that has been inaccurately reported on my credit report. This matter involves [ XXXX. ] and subsequent collection agencies { XXXX XXXX & XXXX XXXX XXXX }. 

Here is a summary of the situation : 1. Paid Debt : This medical bill was covered and paid through my insurance. 

2. Debt Removal : After contacting the previous collection agency, they removed the debt from my credit report, acknowledging the error ( XXXX XXXX XXXX ). 

3. Debt Resold : Despite this resolution, the debt was sold to another collection agency ( XXXX XXXX ) and has since been re-reported on my credit report, causing unnecessary distress and potentially damaging my credit standing. 

I have made every effort to resolve this directly with the collection agencies involved but have been unable to reach a satisfactory resolution. I am requesting CFPB 's assistance in addressing the following : - ) Ensuring this debt is permanently removed from my credit report. 

- ) Preventing any future sale or reporting of this invalid debt. 

- ) Investigating the practices of the collection agencies involved to ensure compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter are copies of relevant documents, including : - ) Correspondence with the previous collection agency confirming the debts removal. 
- ) Current credit report showing the re-reported debt. 

I kindly ask for your prompt attention to this matter to ensure that it is resolved fairly and permanently. 

Thank you for your assistance.

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