vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My Parent XXXX XXXX for XXXX kid 's college education is now serviced by MOHELA. 
I keep getting statements in the mail ( recent one dated XXXX ) regarding XXXX of the XXXX loans and showing an amount due. ( XXXX ) It shows no previous payments made. 

I have called every other month or so for a year to tell them I am paying on all XXXX loans ( {$770.00} per month ), for the most part we paid even during the halt on payments from the government during XXXX. The person on the phone said they show I am repaying all XXXX loans, and the mailed statements are incorrect. 
I am VERY XXXX that this is not accurate information, and I am uncomfortable with the prospect of potential negative impact to my credit. I do not understand why they are separating some loans out, and afraid they are adding charges as a result. 
I need clarification on the repayment status of my loans and for them to stop sending incorrect statements to me in the mail!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) as found on my credit reports managed by Equifax and XXXX. These inaccuracies and unauthorized entries include : 1. **Misrepresentation of XXXX XXXX : ** - XXXX incorrect alternate names ( XXXX. ), whereas the only legitimate name as per my XXXX Driver 's License is XXXX XXXX XXXX. 

2. XXXX XXXX XXXX : ** - XXXX unmailable addresses are listed, which are erroneous. 

3. **Account Discrepancies : ** - XXXX accounts are either inaccurate, unknown, or unverified, and remain uncorrected despite my disputes. 

4. **Unauthorized Inquiries : ** - XXXX XXXX XXXX hard inquiries are reported without verification or my consent, constituting a breach of my rights. 

According to 15 USC 1681, Section 602 ( a ), consumer reporting agencies must handle their duties with fairness, impartiality, and a high regard for consumer privacy. Equifax and XXXX, as consumer reporting agencies, have failed in this respect. Moreover, 15 USC 6801 emphasizes the obligation of financial institutions to protect the privacy and confidentiality of consumer information, which has been neglected. 

Per 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports under strict circumstances, primarily with the consumers explicit written consent, which in my case, was neither sought nor given. I hereby revoke any form of consent for Equifax, XXXX, and the furnisher of information to these agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Additionally, 15 USC 6802 ( b ) ( c ) mandates that a consumer must be informed about and must consent to any disclosure of nonpublic personal information. This right was never presented to me, hence violated. 

The reporting of outdated or inaccurate adverse information contravenes 15 U.S. Code 1681C ( a ) ( 5 ), as no consumer reporting agency should report adverse information older than XXXX years or inaccurate data. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Both Equifax and XXXX have continued to report inaccuracies despite clear evidence provided in my disputes. They also fail to maintain reasonable procedures to prevent these violations as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services immediately. 



Thank you for your immediate attention to these serious matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXXXXXX XXXXXXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. 


Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.

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 2024-05-10 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
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 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-10 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-05-10 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Amsher collection service has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least XXXX business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My cards were used without my knowledge, I sent in disputes and never heard back from the banks, now my cards are in XXXX  and I have inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2024, I opened a checking account with Wells Fargo Bank at [ branch location or online, specify which ], where I provided all required personal information accurately, including my social security number. A copy of the customer receipt from the account opening, which I retain, clearly shows the correct social security number as provided. 

The following day, XX/XX/2024, I set up online banking and updated my contact details to include an additional phone number, as my initial XXXX XXXX number was not accepted for verification purposes. 

On XX/XX/2024, complications arose : I attempted to verify my identity over the phone using the last XXXX digits of my social security number and was informed that the digits did not match their records. Upon escalation to a second-level support staff, it was disclosed that the last XXXX digits of my social security number had been recorded in reverse order in Wells Fargos system. 
Additionally, on the same day, I tried to file a XXXX form online as part of opening a brokerage account. The automated system also rejected my correct social security number, claiming it did not match the records on file. However, when I reversed the last XXXX digits, while keeping the first XXXX digits in the correct order, the automated system allowed me to proceed. I did not complete the filing with incorrect information and aborted the process. 

These incidents indicate a severe mishandling of my personal data between XX/XX/XXXX and XX/XX/XXXX, and such errors not only raise significant concerns regarding data security but also violate federal regulations concerning the accuracy of customer information. Despite notifying Wells Fargo of these mistakes, the bank has yet to amend the error. 

I am seeking the CFPBs assistance to ensure that Wells Fargo conducts a full investigation into how my social security number was incorrectly processed and to compel the bank to correct my personal information in their records. Additionally, I am requesting that Wells Fargo take appropriate measures to prevent such occurrences in the future and provide a formal apology for the inconvenience and potential risk this situation has caused.

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 2024-05-10 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed XXXX  inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-05-10 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: IL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under XXXX FCRA and Identity Theft Laws Dear CAVALRY PORT, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the XXXX  Fair Credit Reporting Act ( XXXX  ) and identity theft laws. Specifically, this violation is in direct contravention of Sections 59.1-444 and 18.2-186.3 of the Code of XXXX 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section 59.1-444, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, XXXX  identity theft laws, particularly Section 18.2-186.3, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for XXXX  state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 59.1-444 of the XXXX and Section 18.2-186.3 of XXXX  identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under XXXX  state laws. 

Done in good faith, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
A fraudster had created a fake mail id in the name of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and sending mails to all professionals to remit the travel and accommadation charges and will give discount of XXXX XXXX and getting the money transferred to above said account. He had created mail id XXXX and says that he is XXXX. XXXX XXXX, XXXX, The XXXX XXXX XXXX, XXXX XXXX. 

Later he asks us to transfer the amount to his account in Bank of America, XXXX, XXXX  XXXX XXXX XXXX : XXXX with account number XXXX. 

Once you transfer the amount that is the end. He draws the money and escapes to some other country. The Bank manager is not helping. 

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 2024-05-10 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: MI

Complaint narrative:
I never received a credit card from CHASE BANK or XXXX DELETE/REMOVE HARD INQUIRIES CHASE BANK CARD SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
I just checked and reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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