vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
XX/XX/scrub>XXXX  2024 - My income recertification date is listed by Mohela as being due by XX/XX/2024. Department of Education has published guidance stating that if your listed recertification date is prior toXX/XX/2024, it will be pushed out by XXXX year. I called Mohela multiple times requesting that my date be adjusted by XXXX year, as indicated in public guidance. Mohela refuses to make the change every single time. 

XX/XX/scrub>XXXX  2024- I receive an email from Mohela threatening that if I do not submit my income recertification by XX/XX/2024, I will be placed on a standard plan for {$400.00}. My payment at this time is {$110.00}. 

XX/XX/scrub>XXXX  XXXX, 2024 - I submit my recertification documentation due to Mohela 's intimidation, despite this being prior to XXXX XXXX, 2024. I switch to the XXXX plan at this time, as the XXXX calculation is {$290.00}, and my current XXXX plan is listed as over {$400.00}. 

Late XXXX  2024- Department of Education issues new guidance confirming that dates prior to XXXX were supposed to be extended. In the event that borrowers recertified early, the payment would be reverted to the previous amount. 

I have repeatedly called Mohela asking that my payment be reverted to the previous amount. They have refused almost every time, despite the guidance. I have been told any number of things - one rep submitted a new application that was immediately denied. One told me that I can not return to my previous payment because I switched plans. I pointed out that my previous plan would have been double - why would a borrower choose a more expensive plan? The guidance is silent on this issue. 

I have submitted multiple FSA complaints which are closed out after XXXX  months, with no helpful information or answers to my questions. I have submitted a complaint with the XXXX Attorney General, which Mohela has not answered. I have submitted a congressional inquiry and received no further communication from XXXX XXXX XXXX office. Department of Education remains silent and complicit in allowing Mohela to skirt the guidance. Often, Mohela points me to FSA, who points me back to Mohela. An endless dance with no answers or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-20 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: MO

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  2022 and XXXX  2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by LVNV Funding LLC. The basis of my complaint is that LVNV Funding LLC is not licensed and bonded to collect debts in the state of Georgia, where I reside. 

According to XXXX state law, debt collectors must be properly licensed and bonded to engage in debt collection activities. LVNV Funding LLC has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had XXXX late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/year>. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.

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 2024-06-20 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had XXXX late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/2024. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
I completed an online request directly with LexisNexis in early XXXX  2024 for any reporting they have on me. I received a letter dated XXXX XXXX, 2024 from LexisNexis with instructions for obtaining my report via their web service ; the code would not work. I called LexisNexis on XXXX XXXX, 2024 at XXXX PM and I was told there was an issue with codes issued on the day of my letter and my report would be mailed ; they confirmed my mailing address. I never received the report. I call LexisNexis on XXXX XXXX, 2024 at XXXX stating I never received my report ; I was told it had been mailed and would be mailed again. I called again on XXXX XXXX, 2024 at XXXX and again was told my report had been mailed, validated me address, and stated it would be mailed again. I have never received my report and I do get all my other mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: WI

Complaint narrative:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
XXXX submitted a letter to CFPB ( attached ) in which they stated that my account has been refunded, and yet there is no refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-06-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I signed up for XXXX XXXX XXXX XXXX  to include, cable, internet and mobile. At onset, the XXXX agent I communicated to did offer a bunch of discounts and stated these discounts were good for XXXX years. Additionally, I was informed they had no deals on wireless phones so the phone I had from XXXX that was malfunctioning due to how old the phone was ( over 7 years ) would have to do. Well, most if not all the other carriers offered a free phone or an upgrade discount well not XXXX. My cable services included basic channels and XXXX. My services cost was as follows mobile XXXX XXXX and the change would fluctuate on every bill, and for cable and Internet {$100.00} {$120.00} as it also fluctuated greatly. Then as time went on cable services went up to {$180.00} and kept climbing as well as mobile. Things only got worse from there as the Internet speeds were never fast or moderately slow. The Internet was always going down for long periods of time and getting a credit as XXXX advertises during a service outage is foolishness. I XXXX and had to explain to my company why our meetings were always being interrupted. Well, this didnt stop XXXX from trying to sell me faster Internet speeds. XXXX Internet speeds never mount up to what they are advertising as my Internet speeds seemed like dial up. The service outages also effected the cable as all of it went offline. I would always try and call and would talk to someone XXXX  or an extremely rude customer service disgruntled worker that at times yell and cut a person off from talking. Only after I waited on hold for up to or over an hour. When I moved, I was assured everything would be easy as XXXX promotes a smooth transition when moving. I didnt want to keep cable services as I was moving to a different city with cable services already started and paid for. XXXX threatened me and stated my mobile bill would go up and why couldnt I just add more services, they would not take no for an answer. Additionally, XXXX could not explain why my last bill tripled since I joined. Their half-baked answer was basically you are no longer a new customer, and we no longer need to entice or promise you anything further. The broadcast fee was also an issue as I asked about it many times and I was always told this fee was mandatory and I could do nothing to lower it. Additionally, the cancellation notice I sent states XX/XX/2024. However, on XX/XX/2024 services hadn't been cancelled as I was informed they would be as the line was tested, Lastly, XXXX refused to update my address because I didn't want to keep cable and Internet services after I moved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NJ

Complaint narrative:
UPON ME PULLING MY CREDIT REPORTS, I NOTICED ACCOUNTS THAT WERE NOT MINE.

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 2024-06-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$83.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: IN

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I got a Credit Alert Reported On XX/XX/XXXX about Derogatory Account Reported By Bullcity Financial Sol with an Account Balance of {$1000.00}. I do not know or have every done business with this company. Therefore, I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lost Lake Finance, LLC
State: OK

Complaint narrative:
This company is part of a debt consolidation & Ive explained im going threw a financial hardship, they ran my card twice putting me in overdraft after they analogies they continue t try and run my card without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management is a collection agency and is reported on my credit report. I advised them that I do not owe this debt and to remove the collection from my credit report. Because I do not owe this debt, I requested validation required by the Fair Debt Collection Practices ( FDCPA ) via certified mail ( tracking : XXXX ) that was delivered on XX/XX/2024. The validation I requested is : Proof of my contract to pay the original creditor, A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; For all other charges, the date of and the basis for each charge and Copy of original contract bearing my signature. 

The collection did not fulfill the validation within 30 days and they did not send the requested documents. They only sent XXXX bills from the original creditor and transaction of fees they are charging me. Additionally, the date on those documents are XX/XX/2024 ( over 60 days of my request ). Also XXXX XXXX magistrate court sent me a dismissal of garnishment for this collection ( photos attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation