vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have had the American Express card for over 4 years and never missed a payment. From {$2000.00} my limit is now {$13000.00}. Last night while I still had over {$9000.00}, I tried to make a purchase and it wouldn't go through. I called Amex and was told my limit had been reduced from {$13000.00} to {$3900.00}, the exact balance on the card. My limit was reduced in the middle of a transaction. I had checked my balance before trying to make the transaction. I was told my limit was cut because I have not been making payments and my credit score is low which is very untrue. I have never missed a payment or made late payments in over 4 years and there is nothing wrong with my credit score. I could not complete the transaction and I was left stranded because now I can not pay for the bid I won at a car auction with XXXX  This drastic action will also hurt my credit score and raise my credit card utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I am in the Public Service Loan Forgiveness program and need to sign up for a repayment plan that maintains my eligibility for this. The Loan Simulator on the studentaid.gov website was very difficult and wouldn't account for my husband and I filing jointly, not having our individual XXXX  ). 

I called my loan servicer, MOHELA, for more accurate information -- but they did not tell me I could self-report and use my income from XXXX for up to six months. They asked for my XXXX from XXXX and then could not calculate an accurate estimated payment because I didn't have my individual XXXX, just my husband and I 's combined XXXX, since we filed jointly. It was not at all a payment amount that was accurate, but they told me to apply online with this information anyway. I knew the window for applying for a repayment plan was closing soon, so I did what this person told me, but it's still processing -- my application that is, and my " payment '' is due in 2 days, but I don't know how much I owe and they have not put me in administrative forbearance. 

They also couldn't confirm whether or not the payment I was to make XX/XX/XXXX ( which was based off my old repayment plan in XXXX ), would count towards my PSLF if they didn't process my repayment plan application by XX/XX/XXXX. 

I called today and was on hold for 5 hours and 51 minutes and then was disconnected! I took all day off to deal with this and then was hung up on. MOHELA had so much time to prepare for repayment and they're botching this. They're causing so much undue stress and financial trouble for student loan debtors. Please do something! WE NEED YOUR HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NJ

Complaint narrative:
I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inaccurate Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX 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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally Financial services. Contacted multiple Family members multiple times discussing debt without consent. Dates and voicemails have all been documented

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX ( Bank ) - Date : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent.

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent. 

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
on XX/XX/23 I sent a factual dispute to all 3 consumer bureaus XXXX XXXX Experian is reporting date last active is XXXX XXXX is reporting date last active is XXXX transunion is reporting date last active is XXXX this is inaccurate reporting which is violation to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: CT

Complaint narrative:
Equifax Llc Credit reporting agency has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: OK

Complaint narrative:
There is incorrect personal information on my credit report such as my name and address. I want fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was contacted by Columbia Debt Recovery LLC on XX/XX/XXXX in attempts to collect a debt that I do not believe I owe so on XX/XX/XXXX I sent over a Debt Validation letter to hold the account until I received the proper information from the company. However on XX/XX/XXXX the company reported the collection to my credit and my credit score took a major hit even though according to the The federal Fair Debt Collection Practices Act ( FDCPA ) Section 1692g in Title 15 of the U.S. Code if a third-party debt collector contacts you and you're not sure that you actually owe the debt or think that the debt collector is mistaken about some part of it, you can ask for a validation of the debt. The debt collector must inform you of this right and you must make the request within 30 days of the first contact. 

After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information. 

They have yet to respond but have not stoped collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX ================================== 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 of 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