vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
Greetings, I am writing today regading my Mohela account # XXXX. I submitted this account back in XXXX for XXXX XXXX forgiveness, I received a response in XX/XX/year> that I did not qualify for XXXX XXXX  forgivness because I had not made qualifying payments. 

This loan was consolidated last year, however, prior to this I made payments on student loans yet no one appears to know where any of my payments were applied. 

I have enven attempted to have the payments lowered to manageable payment ( XXXX ) is what I was payment monthly prior to the pandemic ; again Mohela sent my payment to XXXX. I have explained to them on several of occassions this is what I pay monthly, please see below : XXXX. Monthly XXXX- {$1800.00} XXXX. XXXX XXXX {$650.00} XXXX. XXXX- {$260.00} XXXX. Monthly living expenses outside of XXXX XXXX XXXX XXXX : {$3700.00} XXXX. Care for XXXX parents, XXXX in the home and XXXX in a XXXX home due to XXXX. 
XXXX. XXXX loans- {$1100.00} I have asked for a reconciliation of my loans on several of occassions, Mohela simply continues to redirect me to a payment board. I have made payments of {$130.00} on this accounts since remplementation of my loans, however, I need help. I have written the XXXX XXXX XXXX, my local congressman XXXX XXXX, I do not know where else to turn. My loans go as far back as XXXX XXXX XXXX 

Your assistance in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
- On XX/XX/XXXX, at XXXX XXXX XXXX I woke up to an e-mail saying my account with Chase was restricted and my debit card blocked. I called the number I was told to call, and they told me Chase had decided to end the relationship with for reasons that would be later addressed on a letter, and that the funds would be made available to me in a check sent to my address. I tried to reason with them to understand what was the issue with the account and explained that I had no other bank account and no other funds available to me in order sustain myself here. That was the only bank account that I had and those were the only funds available for me to pay rent, pay for food, etc. 

I was not able to withdraw a single penny from my account and I have no information on what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am trying to move and this XXXX  that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
US DIRECT EXPRESS CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX MY MOUNTHLY ACCOUNT REPORTS DID NOT CONTAIN THE NAME OF THE RETAILER, IN THE COLUMN TITLED " 'RETAILER ' THERE WERE ONLY ADDRESSES. I COULD NOT RECONCILE MY ACCOUNT USING COMPANY HEADQUARTERS - NOT EVEN THE ADDRESS OF THE POINT OF PURCHASE. NEAR THE END OF XX/XX/XXXX ANTICIPATING XXXX SPENDING, I WENT THE EXTRA MILE TO CHECK MY ACCOUNT CHARGES.BECAUSE SOME OF THEM DID NOT LOOK FAMILIAR. FORTUNATELY, I FOUND FRAUDENT CHARGES THAT WERE ONLY IN XXXX. I SAY FORTUNATELY BECAUSE THIS COULD HAVE BEEN GOING ON FOR SEVERAL MONTHS NOT JUST XXXX. - IN LATE XX/XX/XXXX AND EARLY XX/XX/XXXX. I CONTACTED DIRECT EXPRESS BY PHONE FOLLOWING THEIR ADVICE, WE SHUT DOWN THE ACCOUNT, PREPARED A RECONCILLATION, MADE A POLICE REPORT AND ISSUED A NEW CARD. THE POLICE CAME TO MY HOME AND CHECKED THINGS OUT - PURSUED AN INVESTIGATION AT SOME OF THE PURCHASE RETAILERS AND A REPORT WAS SENT DIRECTLY FROM THE POLICE TO DIRECT EXTRESS.I SENT SEVERAL EMAILS TO DIRECT EXPRESS FOR REIMBURSEMENT XXXX WHO WOULD NOT SOEAK WITH ME ON THE PHONE AND REPLIED ONLY BY XXXX POSTAGE ( AKA SNAIL MAIL ). NOW, AFTER XXXX MONTHS OF " BOBBING & WEAVING ', DIRECT EXPRESS NOTIFIED ME THAT THE DISPUTED CHARGES WERE ALL MINE AND THERE WOULD BE NO REIMBURSEMENTS. THIS IS NOT GOOD, NOT RIGHT AND NOT ACCEPTABLE. THEY HOPE THIS OLD GUY ( ME ) WILL DIE BEFORE ANYTHING CAN BE DONE ABOUT THIS MATTER. I WANT THE MONEY DUE ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXXday deadline stated in your previous memo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 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: 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 15 USC 1681.

has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
I am once again filing a complaint against MOHELA XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with MOHELA is marked as closed and paid off. Despite this, I continue to receive statements from MOHELA claiming that payments are still due. Additionally, other credit reporting agencies ( XXXX and XXXX ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, MOHELA continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, MOHELA is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, MOHELA has engaged in deceptive practices, violating the FDCPA. 

I have contacted MOHELA to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with XXXX and XXXX to update their reports 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 2024-06-03 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: AL

Complaint narrative:
I recently discovered that my credit reports from XXXX, XXXX, and Equifax contained inquiries that I do not recognize and did not authorize. I contacted XXXX and XXXX, and they assisted me in removing these unauthorized inquiries, which were preventing me from applying for XXXX loans and XXXX applications at my local bank. However, Equifax refused to help. 

I called Equifax multiple times on XX/XX/XXXX and XX/XX/XXXX and was informed that I needed to provide a police report for fraud before they would even consider looking into the matter. I submitted the necessary reports and documentation, including XXXX letters sent via certified mail on XX/XX/year>, and XX/XX/year>. During my last conversation with an Equifax phone representative, it was revealed that my credit report incorrectly lists my middle name as my first name. I was also told that Equifax had not received the documents I sent, despite them being sent both certified and via regular mail, and that I should deliver them in person to their office in XXXX, XXXX, which is over a XXXX XXXX away. 

While XXXX and XXXX were helpful in resolving the issue, Equifax refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my account below : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-03 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: FL

Complaint narrative:
i have submitted a report with the identitytheft.gov. I want these hard inquiry deleted because i did not authorize these companies to run my credit, this charges are fraudulent.

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 2024-06-03 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: FL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-03 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX. Incorrect credit reporting regarding XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX. Incorrect credit reporting : MIDLAND CREDIT MANAGEMENT Original Creditor : XXXX XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.

Company response to consumer: Closed with explanation