vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I contacted MOHELA about my XX/XX/XXXX student loan payment because I noticed that while the full payment amount was correctly withdrawn from my account on XX/XX/XXXX, they misapplied the payment and only applied it to 3 of the 8 direct loans I have. The other 5 loans are showing a {$0.00} payment for XX/XX/XXXX. I contacted MOHELA about this in XXXX to have them resolve it. I also submitted a previous CFPB complaint on XX/XX/XXXX concerning the same issue ( Complaint ID : XXXX ). On XX/XX/XXXX, MOHELA responded to the complaint saying " As of this writing, MOHELA processed the reapplication of your payment to the account accordingly per your request. The payment received on XX/XX/XXXX, in the amount of {$270.00} has been applied to loan sequences 1 through 8 '' ( see attachment ). The complaint was then closed. However, as of XX/XX/XXXX, the reapplication of the payment still has not happened. They effectively lied to me. On the MOHELA website, it is still showing that the payment made on XX/XX/XXXX is incorrectly distributed ( only 3 of the 8 loans show having a payment while the other 5 show a {$0.00} payment ). Moreover, I contacted FSA to check with them and they still do not have any updated information about my payments. Five of the 8 loans still show a last payment date of XX/XX/XXXX. This is negatively affecting my PSLF payment counts and making it appear as I did not pay 5 of my 8 loans on time when I did, in fact, make an on-time payment on XX/XX/XXXX. I have made all of my payments on time and I am being unfairly treated and lied to in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Accelerated Portfolio, Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX are using a document that has no signature from XXXX XXXX XXXX to purport that I owe them {$1600.00}. This agreement is nearly 7 years old, and has been removed from my credit report for over 6 years because it is not an agreement Ive ever agreed to. XXXX XXXX agreed to erase it, but XXXXXXXX XXXX XXXXXXXX are ignoring that request. Companies are required by FRCA to delete unverifiable information. 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Not only that, XXXXXXXX XXXX XXXX are listing themselves as the ORIGINAL CREDITORS and as if the account was opened last month, and has seven additional years of credit reporting. 

Theyre violating several FCRA guidelines, and Ive filed attorney general complaints in 10 states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/22

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/2020 under the account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple hard inquries is on my credit report that I do not recognize, I would like for them to be removed. I called the companies and they told me they could not give me any information regarding the inquiries and to contact the credit bureau. The credit bureau told me I could not dispute these inquires even after I told them I did not authorize this credit to be pulled.

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 2024-08-28 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: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, XXXX and Transunion that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.

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 2024-08-28 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: CA

Complaint narrative:
Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to Equifax, XXXX and XXXX that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, Experian and XXXX that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.

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 2024-08-28 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. if you don't look into these accounts, Ill take legal action against you.

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 2024-08-28 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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