vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
Greetings. I have submitted all of the required documentation to Mohela, my student loan servicer, to document my eligibility for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) Program. Documentation was submitted beginning in XX/XX/2022. As of today, this documentation demonstrates that I have met the requirements of the PSLF program and I am eligible for forgiveness. Also, in XX/XX/2022. I requested a refund of my payments during the federal forbearance period from both Mohela and XXXX XXXX. I have not received neither my refund nor a written response to my request for discharge of my loans due to submission of documentation that demonstrates I have met the requirements for PSLF. 

The delay in processing my request is negatively impacting my livelihood because the PSLF program requires that applicants remain in public service until Mohela mails or informs applicants of approval for loan discharge or forgiveness. I have had to decline job opportunities and I am being restricted from pursuing other jobs outside of public service until I receive a response from my student loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney XXXX, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. XXXX 's XXXX Bank was one of the accounts. XXXX  agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXXXXXX XXXX  which XXXX process. Around XXXX of XXXX, I noticed a collection on my credit report from Portfolio Recovery Associates LLC for the original XXXX 's Debt. Starting in XXXX, I contacted Portfolio Recovery and provided several forms of evidence showing the debt was paid. Portfolio recover stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX showing the settlement and payment, a letter from XXXX  accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to XXXX bank in the amount of XXXX that was processed by XXXX Portfolio Recovery still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DC

Complaint narrative:
My student loan service provider is MOHELA. They have managed my account since XXXX. I don't recall who was managing my account prior to XXXX. I am currently enrolled in the XXXX program. I graduated from XXXX in XXXX. I graduated from grad school in XXXX. At some point after grad school, before XXXX, I consolidated my XXXX and grad federal loans into XXXX balance. I have been making student loan payments since XXXX, with some forbearance pauses due to periodic unemployment. 

I have been trying, for the last 7 months, to get an accurate list of all the payments I have made on my student loans since XXXX. I have called and written MOHELA at least a half dozen times to get this information but when they eventually provide it, they are only able to provide information dating back to XXXX, when they took over my account. It appears they may have no records of my student loan payments prior to their taking over my loan ( which I had no control over ). 

I tried calling the US Department of Education after not getting satisfactory answers from MOHELA. They simply sent me back to MOHELA. I am very concerned that records have been lost of my payments and that I may qualify for loan forgiveness under the income-based borrower programs but may have that forgiveness unnecessarily lengthened due to lost / incomplete records.

Please, can you help me get the information I am looking for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022, contact by collection Agency due to an unpaid Capital One credit cart of XXXX. Never opened this account and have no knowledge of it. XXXX, received notice of suit in small claims court for balance. 

Request credit report and noticed two other cards, XXXX XXXX ( XXXX ) and XXXX card ( XXXX ). Have no knowledge of both, contact applicable companies and initiated fraud complaint. XXXX XXXX Police and made complaint ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XX/XX/2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This XXXX  account is causing extreme XXXX hardship and pain. It is making it extremely difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 and XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone call Citibank to get a new card in my name that went to another address my phone number was also changed Debitcard was send to a new address and a new phone number XXXX XXXX XXXX. 
On XX/XX/XXXX someone took money at XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX  XXXX, XXXX, XXXX. 
On XX/XX/XXXX XXXX from my saving from Branch XXXX XXXX XXXX XXXX XXXX my XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX at the same place XX/XX/XXXX XXXX  at the same place XX/XX/XXXX XXXX  at the same place A card was issue on XX/XX/XXXX delivered on XX/XX/XXXX my Phone, email address and home address via phone to customer service and I was charged a XXXX fee for them to send out my card to that address the bank never notified me until my money was gone the bank never alert me about the problem and another XXXX was taking from my savings due to Citibank negligence a lot over 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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I would like to have someone look into the high interest rate car loan I was placed in with Ally Financial in XXXX. The rate I was placed in is 20.44 % over a 7 year pymt period. The original loan bal was XXXX. The current bal is now XXXX. Since XXXX I have paid a total of XXXX There records indicate that XXXX, XXXX has been paid to interest and only XXXX has been applied to the principal. There are 34 payments remaining that total XXXX  additional dollars. This high interest loan that I was placed in is in no way the way you properly conduct business in a fair and decent undiscriminatory way. I believe I was placed in this loan wrongfully. The loan exceeds the life of the vehicle. The vehicles transmission has gone out leaving the current vehicles value only at an estimated XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to the lender and was transferred to 3 different departments only to be told there is nothing they can do. Each department said they did not have access to see the total amount of int I have paid. The departments were customer service XXXX, collections XXXX ( XXXX ), and work out team XXXX ( XXXX ). I believe the lender and the dealership did not hold good moral intention when they placed me in this loan. I believe my rights have been deliberately violated.

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 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XXXX sent me to collections and put a negative mark on my credit report for XXXX XXXX that I didn't authorize to be placed in my name and it's at a residence I don't even live at, I have called the company and told them I didn't authorize any services and I was unaware of services in my name as I don't live at the residence it's associated with

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 
Remove all requested information and to restore my credit score.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. Remove all requested information and to restore my credit sco
re.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
On XX/XX/2023, ONEMAIN FINANCIAL made a credit inquiry to my XXXX account. I have never even heard of this company and did no apply for credit or authorize this credit inquiry. When I tried to contact ONEMAIN FINANCIAL, I was not allowed to talk to a person unless I had an account with them. I called XXXX and was able to obtain a phone number that connected me with an actual person at ONEMAIN FINANCIAL. They did admit that they made a credit inquiry on my behalf and would remove it from their system. I asked to be transferred to their fraud department and that did not happen. Their representative was very casual and did not sound concerned. I have placed a credit inquiry freeze on my XXXX, XXXX, and XXXX credit bureau accounts. I was told by the representative at XXXX to file a complaint with the FTC and forward your response to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

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 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
I see three hard credit inquiries on my equifax report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I disputed the debt XX/XX/2023 according to the CFPB regulations on medical debt paid or unpaid under {$500.00}. It was validated and updated but was not removed. I placed a phone call to Franklin Services at XXXX and spoke with XXXX XXXX in attempts to notify and remove the account. I was placed on a hold and at some point the call dropped. I made numerous attempts the same day to speak with a person and have not been able to. I made XXXX aware of the new CFPB regulations to which he replied we can add the accounts together to get past that before placing me on the hold that eventually would end the phone call.

Company response to consumer: Closed with explanation