vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
I have multiple ParentPlus Loans on behalf of my XXXX children. XXXX are still in XXXX  and loans for them should be deferred. I should only be paying on loans for my oldest son, XXXX XXXX. I have contacted Mohela multiple times to try and resolve this issue, both on the phone and via email. They are charging me incorrectly for loans not currently in repayment and reporting me past due. They have told me that they are investigating my account and payments are paused. They have not contacted me about this investigation and they have not fixed the issue. I was told my monthly payment amount should be {$880.00} per month, for which I have Autopay set up. They paused collection of my payments, but have not resolved the issue and continue to report me past due. The information I see for my account makes no sense, and is impossible to navigate online. I have asked for a written explanation, since I have gotten inconsistent responses from their representatives on the phone, but they have refused. They refused to provide me with a schedule of payments and a breakdown of what amount is paid to the principal and what amount to interest, and they have refused. I need my account fixed and updated correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Subject : Dispute of Inaccurate Late Payment Report XXXX XXXX Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the XXXX XXXX format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards for accuracy and completeness : Account Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The XXXX XXXX format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history. 
Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken. 
Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Subject : Dispute of Inaccurate Late Payment Report XXXX XXXX Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the XXXX XXXX format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards for accuracy and completeness : Account Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The XXXX XXXX format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history. 
Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken. 
Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Subject : Dispute of Inaccurate Late Payment Report XXXX XXXX Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the XXXX XXXX format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards for accuracy and completeness : Account Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The XXXX XXXX format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history. 
Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken. 
Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, 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 2024-12-20 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2024-12-20 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I declined overdraft protection on my account. The way to do that is on the app. Simple click of a button. According to the website and app... all transactions made will be declined if the funds are not available. That was perfect because I am in talks with a company. To my surprise I check my account and it is negative over {$300.00} ( multiple overdraft fees )! They allowed EVERYTHING to go through on the account after XX/XX/year>. I called customer service and she said that declining it on the app and website only apply to certain transactions and if you want all things declined you have to call in. I said where does it say that on the website or app. She said " they expect you to call ''!!! If a customer declined coverage... they are declining coverage!! And if you want them to call in ... .say that on the website and app. Very disappointing and deceptive!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly asked them to update this information. They have refused. This account is closed, written consent to sell my information. This vehicle was sold at auction for XXXX payment, I asked for a 1099 for my tax purposes. I also dropped this car at the dealership within XXXX  months of breaking down, I feel like this is part of predatory lending of the elderly. According to the FCRA 15 USC.1681b, and FCRA 15 USC 1681 ( 5 ) ( A ) This company is Illegally and intentionally reporting inaccurate information on my credit report. 

A company can not *charge off a debt, *sell the debt, and still Report the *debt being owed on a consumer report. This is illegal, predatory, False and misleading. This is causing me XXXX, and XXXX. 

I have followed the law and so should they.

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 2024-12-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2024-12-20 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: Resurgence Legal Group, PC
State: IL

Complaint narrative:
The company failed to provide and/or send validation of alleged debit. The debit in question is now in litigation and I am seeking validation of debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My email was used in the Dark Web on XXXX, XXXX at XXXX and ever since then my social security, and drivers license, and XXXX  and password has been released. Im positive its from a family member. I just went through all my accounts and changed everything but Im making a report for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-20 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:
I am writing to formally request the blocking and deletion of an account from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following account be removed from my credit file : Account to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$3800.00}

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 2024-12-20 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:
I am writing to formally request the blocking and deletion of an account from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following account be removed from my credit file : Account to be blocked and deleted : XXXX. XXXX  XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
Mohela continues to provide incorrect information to federal student loan borrowers that have them as their loan servicer. I submitted an XXXX  application on XX/XX/XXXX to change my XXXX plan to the XXXX program, so that I can resume payments and progress toward forgiveness under XXXX. A representative on XX/XX/XXXX incorrectly told me I would not be eligible for this program, since I am on the XXXX plan forbearance, and my application would not be processed. This is clearly inaccurate information, as the XXXX program was reopened specifically to accommodate people in my situation. She furthermore told me they did not have my application, despite my having screenshots confirming that the application was submitted on studentaid.gov and sent to Mohela. 

Mohela also sent an inaccurate email to borrowers on XX/XX/XXXX stating that interest continues to accrue during forbearance, which is not true, and despite being informed of this mistake by me and many others, they did not issue a retraction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to file a complaint against Equifax for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX certified mail tracking # XXXX, requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
According to XXXX tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than XXXX  days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Equifax and XXXX certified mail proof of delivery as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief