vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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 explanation
Consumer complaint received 2024-12-10 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed a few inaccurate discrepancies. These are showing late payments and delinquencies that I believe are inaccurate, incomplete, or unverifiable. ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XX/XX/XXXX shows late payments ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX shows late payment ) ( XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX shows late payment ) These accounts showing negative information on my credit report reflexes inaccurate 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 2024-12-10 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: NY

Complaint narrative:
this complaint is about the following accounts bellow which i have previously disputed and you have refused to do anything about. 

I am in disagreement with your innaction toward the accounts listed below, which still appears on my credit report even after i asked you to investigate them. I would like these items immediately reinvestigated.The inaccuracies is a highly injuring my credit score. 

Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611 provide the names and business addresses of each individual with whom you verified these items with. please send and upload and updated copy of my credit report with your findings, after your investigation.

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 2024-12-10 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: VT

Complaint narrative:
In XX/XX/year> my mortgage was transferred from XXXX XXXX to XXXX XXXX. I had no part of this decision and know that these transactions occur in the finance industry. I was assured by both concerns that this should not impact my financial standing. 
On XX/XX/year> Equifax reported a drop of XXXX points in my credit score due to this transaction. This activity has gone on my credit report and will be damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-10 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: CO

Complaint narrative:
Federal Student Aid issued notice to discharge eligible, qualifying loan under PLSF Forgiveness XX/XX/XXXX. Mohela has confirmed receipt of that notice on varying different dates. Varying because every person I speak to provides a different answer including XX/XX/XXXX, sometime in early XXXX, and XX/XX/XXXX. On XX/XX/XXXX in a recorded conversation, a supervisor advised that Mohela had received notice to discharge my loan prior to their system change over that happened in XX/XX/XXXX. The notice from Federal Student Aid dated XX/XX/XXXX states I would hear from Mohela about my loan within 30 days from that notice. I have filed numerous complaints with Mohela and Federal Student Aid indicating that Mohela did not meet that required timeframe. All responses are canned, non-sensical and not applicable from both Mohela and FSA. Upon calling, Mohela and Federal Student Aid both report that discharge can take between 30 and 90 business days. 90 business days from the date on the written communication to discharge my loan and yet Mohela has still not discharged my loan. They have no expected timeframe of when discharge could or will happen. The previous complaint I filed with CFPB was responded to and closed out with non-sensical, useless information that did not apply to me. At this point there is no recourse to addressing the delays, the lack of communication, the lack of accountability, and the deliberate misinformation that they provide. I, and MANY OTHERS, want their loans discharged as fair and permissible within the qualifications of this program. I, and MANY OTHERS, want Mohela and FSA held accountable for how ineffective they are at running this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: NM

Complaint narrative:
am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NM

Complaint narrative:
am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Jefferson Capital Systems Acct # XXXX Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear Jefferson Capital Systems, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : XXXX XXXX  collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. 
If the information can not be verified, remove it from my credit report immediately. 
Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. 
Provide me with a corrected and updated copy of my credit report. 
Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ). 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
My name and personal information have repeated been reported with false information. Previous attempts with proof of identity provided have been ignored. Addresses that I have no knowledge of are continually being reported with these companies. Associations are listed on my credit file with pupils I have no knowledge of, in states I do not reside in. I am a victim of identity theft which is documented with the IRS, and this proof has been verified. These inaccuracies have caused extreme hardship and has led to my subsequent state of homelessness. These companies malicious and willful acts of dismissing the law continue to cause undue hardships. Please assist me with resolving this matter. Thank you for your time

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 2024-12-10 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: OH

Complaint narrative:
My name and personal information have repeated been reported with false information. Previous attempts with proof of identity provided have been ignored. Addresses that I have no knowledge of are continually being reported with these companies. Associations are listed on my credit file with pupils I have no knowledge of, in states I do not reside in. I am a victim of identity theft which is documented with the IRS, and this proof has been verified. These inaccuracies have caused extreme hardship and has led to my subsequent state of homelessness. These companies malicious and willful acts of dismissing the law continue to cause undue hardships. Please assist me with resolving this matter. Thank you for your time

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
On Tuesday XX/XX/year> at XXXX, " Central Portfolio Control Inc. '' sent a text message to a relative. They addressed it to me with my name and account identification number, while explicitly confirming that they were a bill collector. This disclosure of my debt information is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits sharing such details with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been 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 these fraudulent accounts opened/collection accounts with XXXX ( account XXXX XXXX, XXXX XXXX ( account XXXX XXXX, XXXX ( account XXXX ), XXXXXXXX XXXX  ( account XXXX ), XXXX  accounts ( account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX )XXXX XXXX XXXX XXXXXXXX ( account XXXX XXXX ), XXXX ( account # XXXX ), XXXX XXXXXXXX ( account # XXXX ), as well as insurance that is being reported through XXXX XXXX XXXX  ( account XXXX 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 # XXXX 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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase offers a pay over time plan for any charge over {$100.00}. They claim the plan does not charge any interest, but there is a monthly fee disclosed as part of the pay over time plan. I called the credit card company to ask them what the APR was for the most recent plan I created. The representative said there is no interest being charge so there is no APR to be disclosed. I work in finance and am familiar with calculating APR 's that incorporate interest and fees. I calculated the APR for the pay over time plan as.19.74 %. Shouldn't JPMorgan Chase be required to provide this number when the customer asks?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: VA

Complaint narrative:
Navient was found unable to service student loans, but they are still owners of the loans and do not offer the wide range of repayment options that Mohela offers for student borrowers. 
The website is not even accessible on mohela.com. The Navient website just changed colors. This is fraudulent behavior. They do not offer any forms of repayment for income-driven extended periods. They were found at fault by misleading borrowers, but they still own the loans. 

" The CFPB sued Navient for failing borrowers at every stage of repayment. The lawsuit alleges that Navient steered borrowers who may have qualified for income-driven repayment plans into forbearance instead. This practice was cheaper and simpler for Navient but detrimental to borrowers. By steering struggling borrowers into forbearance where interest continues to accrue and capitalize Navient 's illegal actions led numerous borrowers to pay additional interest charges. " XXXX XXXX XXXX XXXXXXXX So why can't I make an account on Mohela and speak to Mohela customer service to be provided with more repayment options like when I lost my job? navient is still servicing these loans and ruining borrowers by not letting them request income-driven payment plans or extended loan repayment terms for hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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