vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/2022 - XXXX advised me that I am eligible for PSLF based on my payment history, and in order to qualify, I would have to consolidate my loans at MOHELA. I completed the application on XX/XX/2022. 

XX/XX/2022 -- MOHELA advised via email and letter that they are my new servicer and show a total dollar amount of my loans, but no loan detail is provided. 

XX/XX/2022 -- MOHELA advises my PSLF is declined because they have not received the loan detail and payment history from the Department of Education. 

XX/XX/2022 -- I contacted MOHELA Customer Service and was advised to wait 30 days and follow up with them. 

Followed up on the following dates and still no resolution : XXXX, XXXX, XXXX, XXXX Almost all of my loans will qualify under PSLF. MOHELA needs to correct my PSLF standing and process the request accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX I XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, KS XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report. 

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX I XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, KS XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report. 

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.

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 2023-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
Received a letter informing foreclosure.

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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Berlin Wheeler INC for committing identity theft. I have never given Berlin Wheeler any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding you Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler INC can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produce and Berlin Wheeler INC continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And by the way do you have a sign Authorization form SSA - 89 about my Social security number. Please tell you have on file I need to see that. And look here upon the receipt of the documents herein and of this Notice, you are here by Notified Pursuant UCC - 1 - 202f. Your prompt Attention and Response are both Requested and Required. Account # - 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
XXXX XXXX, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

National credit adjusters LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal has negatively impacted my credit my reporting an incorrect balance for over 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have had car loan with Chrysler Capital since XXXX. As stated on their policy of reporting to the bureau 's every 30 days/end of month, my current active car loan is not reflecting 5 years or payments, or to exist at all. It was actually purposely removed from Chrysler Capital themselves as XXXX let me know reflected on their end. Removed XX/XX/XXXX, not show closed or every owned by myself. 

I first contacted them regarding this XXXX of XXXX when I noticed my car had been removed for my credit report, although prior it has always reflected. I was directed to the credit department who said they would send it into the bureau 's again and follow up with me. I did not receive a call back. 

I reached out again XXXX of XXXX as I still did not see my car reflect on my credit report. I let them know that no one had followed up with me. I was then told another report was put in and someone would follow up with me. No one did. 

I called again XXXX of XXXX and inquired about my car not still not reflecting on my credit report although I was still actively making payments and had been for the past five years. A gentleman said he would submit it to the credit bureau 's for a 3rd time as he was not understanding why it was not reflecting and that he would personally follow up with me that day. 

Later on that same day I received a call from this same gentleman letting me know that his supervisor said they could not send it to the bureaus until my 12 day late payment was made. I informed him I was not comfortable continuing to give money to a car that no longer existed on my credit and was almost paid off. 

In XXXX of XXXX I had {$16000.00} left on my loan. I made an XXXX payment. Since then, I have made my monthly payments and now as of XX/XX/XXXX have a {$5000.00} remainder on my loan. 

I then reached out to all the bureaus to seek more information And was told that chrysler capital in fact removed my car in XXXX of XXXX. They escalated this and also reached out to Chrysler and directed me too. As of today Chrysler has stated they will follow up with me and have given no reason as to why my car was removed and is not reflecting. 

I was directed to ask for a summary of payments for the last 5 years which I did receive showing that my loan is still active. I'm still making payments and I have been although. It no history is showing on my credit and chrysler is providing no assistance although they're policy is that they report every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
This debt specifically ( and others ) have been racked up by my mother used without my consent. I have paid off prior debts to prior debt collection agencies to remove the damage she caused ( almost XXXX $ ) just to find out that I have an old debt from 6 years ago that I knew nothing about till recently in my name for almost XXXX XXXX I have been living with my fiance for the last 8 years or so. I would like to have this resolved as soon as possible because i am now being garnished 25 % of my check that I should not be garnished for. I have contacted the debt collection agency responsible for the garnishment and told them that they have they purchased my account illegally ( not of my acknowledgement or willingness because I did not know that it existed ) and told them that the account was fraudulent as well because I did not open it. They said it didn't matter. They had it in their possession for years and it needed to be taken care of. They did not send me a letter stating that I was going to be taken to court. Nor the garnishment. but I received a letter of AFTER the court date was settled and I was told I neglected to show up to a court date I did not know I had. I would like this resolved and the garnishment not be taken from me but from my mother who is responsible for the fraudulent account to be opened in my name. if you can get back with me as soon as possible that would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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 writing in regards to compliant XXXX, i received a response from Experian on the Experian website saying that the alleged debt was in the rights of the Fait Credit Act. This investigation was not done properly nor is relevant to my complaint. The reason for the dispute is because the creditor has violated my HIPPA rights by providing me with personal medical information that I did not consent of sharing with my medical institution. when reaching out with the attached letter requesting information from the debt, I did not receive a response and it has been over 30 days. That is two violations. 
I received a bill from the creditor, XXXX XXXX XXXX, on XX/XX/XXXX in regards to Account # : XXXX. As allowable under the Fair Debt Collections Practices Act, I requested validation of the alleged debt from the creditor. 
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization. withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I have requested full documentation of what the creditor received from the provider of service in connection with this alleged debt.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act ComenityXXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.

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 monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is reporting incorrect payment history on my credit reports. My account was not late and has been in a deferment/ forbearance status. Upon being approved the agent said this would re-age the account and my payment history would not be impacted. 

However to my surprise Nelnet is reporting all my accounts with late payments. XXXX reporting 4 accounts with 3 late payments each. XXXX reporting 4 accounts with 5 late payments each. XXXX reporting 4 accounts with 5 late payments. However the account shows current in XXXX and 90 days past due in XXXX, 120 days past due in XXXX, XXXX, XXXX, XXXX and current in XXXX. This is clearly incorrect as you cant go from current to 90 days past due to 4 months at 120 days late. 

I have attached a picture from XXXX and XXXX showing the same account reported late at different times. the information must match or be removed as incorrect & false information. 

Account number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In early XXXX I attended an online class at XXXX XXXX located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with Experian and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief