vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Its been over a year and my subsidized and unsubsidized loan counts have not been update correctly to mirror each other and the correct loan count amounts. Only one of the loans have been forgiven and both loans should have been forgave. I have waited for over a year to get this corrected and just keep getting the run around. My loan counts for subsidized and unsubsidized should reflect the same number and both should be forgave. Looking for this too be corrected 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 2025-02-17 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:
my account has been used without my knowledge through third parties I did not agree too with all my information pertaining to my identity was used without me knowing what they were doing with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
my account has been used without my knowledge through third parties I did not agree too with all my information pertaining to my identity was used without me knowing what they were doing with my information

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet appears to have broken my student loan from XXXX loan into many, reporting on each chunk of money individually. When signing for my loan, it was explained via phone as XXXX loan, not many smaller loans. Specifically, they broke it into XXXX different parts. So XXXX late remark on each appears on my credit report XXXX times, rather than the XXXX it should. 

Nelnet is intentionally doing this, as Ive seen many other reports of this from others online. This is intentional abuse of the credit reporting system and should be penalized. This XXXX mistake will take me YEARS to fix, even if removed right now. My credit dropped XXXX points because of this. 


I have XXXX XXXX XXXX reports from the same loan, as well as XXXX different balance increases from the same loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have filed complaints about Shellpoint who is my loan servicing, they refuse to help me get a repayment plan that I can afford. They keep saying that they can not get a XXXX  month repayment plan approved, why not, you are my again my loan servicing company. You should help people instead of threatening all the time about foreclosure, you could talk to the investor and show them all the correspondence I have sent, all the problems I have had. Like my husband is XXXX from a terminal illness and is in home hospice care. But no I just get the same old story, your investor will not allow a XXXX  month repayment plan because you are in foreclosure, FORECLOSURE HAS BEEN ON HOLD FOR A YEAR, and why would I tell Shellpoint that I have XXXX to put as a down payment on repayment plan if I wasnt going to pay the repayment plan? I think Shellpoint needs to STAND UP for the people that they service instead of cowering in a corner, waiting for people to lose their home because no one at Shellpoint will explain to the investors what has happened. Shellpoint is a joke. They just want to take a XXXX XXXX XXXX mans house, the only thing he has left, he is XXXX and Shellpoint wants to kick a XXXX XXXX XXXX retired veteran out in the streets because you cant speak XXXX on XXXX to investor. This is not fair practices! If someone is putting down a substantial amount of money on a repayment plan, not pay the payment. I am going to fight for my house with my last breath. I have done nothing wrong except get diagnosed with a terminal illness, and XXXX and you want to put me in streets. We have no where to go. Talk to the investor dont give me they wont let us do this that is not acceptable especially because XXXX has been and still is on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-17 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:
This is not an error, and I need this issue to be taken seriously. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these inaccuracies multiple times, and they continue to cause unnecessary stress and anxiety. These errors are not only misleading but are also negatively affecting my financial standing.

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 2025-02-17 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:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-17 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: SC

Complaint narrative:
I am a victim of identity theft and data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This company is in violation of several consumer laws under the FCRA. My information was sold to a third-party whom I have no contract with. I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. I will be seeking the sum of {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. Please provide me with the following : 1. The original contract signed by both the original creditor and myself. 

2. A detailed, itemized bill that outlines the charges and fees associated with the alleged debt.

3. The complete bookkeeping entries by XXXX ( Generally Accepted Accounting Principles ) that document the history of this debt, including all credits, debits, and payments. 
4. Please provide a copy of the forward flow agreement 5. Please also provide a copy of the chain of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and data breach and would like all accounts mentioned to be blocked and deleted pursuant to 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 2025-02-17 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-17 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to dispute a debt reported by your company, Portfolio Recovery Associates. I have reviewed my credit report, and I do not recognize the debt in question. I did not sign any contract or agreement with your company. Therefore, I am requesting that this debt be deleted immediately from my credit records.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 1 ) ( A ), I am entitled to dispute inaccurate or incomplete information on my credit report. If this debt can not be verified as valid and legally owed by me, I request that it be removed from my credit file within the 30-day period as outlined by law. 

Additionally, under FCRA Section 1681e ( b ), you are required to ensure the accuracy of the information provided to the credit bureaus. Given that I have not entered into any agreement or contract with your company, the debt reported is inaccurate and can not be verified, which violates my rights under the FCRA. 

I ask that you provide me with the following : A copy of the original signed contract or agreement that links me to this debt.

Detailed documentation showing that I owe this debt and that your company is authorized to collect it.

Any other evidence that substantiates the claim that I am responsible for this debt.

Please note that if you fail to provide such proof or do not respond within the 30-day period, I will expect the debt to be deleted from my credit report. If this matter is not resolved, I will consider taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. Please respond in writing to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Thank you for showing my bank statements. You still stole and embezzled money and did not handle claim professionally. You sent a hush check that illegal, so they did not appropriately return the money on an open claim with XXXX. You were charging the wrong owner ; there is a paperwork trail on that as well. No authorization claims fraud claim after closing my account due to some scamming of working positions which is docketed and police documented. During world emergencies, they refused to do their job and a claim. You closed out account with still having an open claim then sent me hush check silence me on the situations, refusing to look into the situations and procrastinating. You told me different issues the company having because of not having a chairman in position for the job. After XXXX  months, they kept the money and refused to return money stating they do not owe me anything then sent a hush check in XX/XX/year> as if nothing happened. Why did you send me a $ XXXX {$400.00} check? I am suing Citizens Bank for withholding money and refusing to return the money a timely manner or dealing with the situation professionally or at all. You refuse to speak on it and deal with that. I am very worried that this is fraudulently not following bank regulations. Then to harass and state I owe them money and not finish a claim, keep paying telephone and passing on to other people and then keeping the money even though they got the money from the claim. I have proof from the provider they kept money on claim never returned the money to me and then sent me a hush check which is attached to account. Please send bank statements of XXXX and the claim you dismissed. You never dealt with it. Please, you people are in huge trouble. This is 100 % not okay. send the documents that have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
Date : XX/XX/year> Amount {$260.00} I explained to the company that I will pay this when I get my funds released from my financial institution and company is harassing me and need to be addressed and stop until funds his release from the financial institution...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer. I will be taking LEGAL ACTION as Experian has violated several of my consumer rights.

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 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: iQuantified Management Services, LLC
State: TN

Complaint narrative:
I correctly received XXXX XXXX XXXX in XX/XX/XXXX. I did not ever receive a bill from the company. I never received a phone or notice of attempt to collect or anything related to the bill. I only ever received a debt collection notice XX/XX/XXXX from a debt collection company -- Iquanitfied management services XXXX. I emailed Iquantified management service on XX/XX/XXXX and did not hear back from them. XXXX XXXX ( XXXX XXXX XXXX ) will not reply to me now that the debt was turned over to collections. 
I had several medical procedures in the XXXX XXXX period of time of which I paid each and every one of them within 30 days of the first billing. Had I received a bill, I would have gladly paid. I am XXXX XXXX XXXX and never not paid a bill in my life. This is truly a XXXX. I was never, not once, contacted or even sent a bill. I thought you had to send a bill multiple times or multiple attempts to collect. The first thing I ever received was a debt collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry 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 2025-02-17 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: TX

Complaint narrative:
I had a 1-year lease that expired in XX/XX/XXXX and became a month-to-month lease. On XX/XX/XXXX, I notified XXXX XXXX that I would be vacating the premise via letter which I did include. In addition, I included the text message between me and the property manager where I confirmed that I was vacating the premise on XX/XX/XXXX. 
On XX/XX/XXXX, I dropped of the keys to their lockbox and have not heard from XXXXXXXX XXXX until your company contacted me. Per my lease I needed to give notice to vacate and there for there is no debt between me and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief