vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX my autopay payment was deducted from my bank account. It was not applied to my student loan. I reported this issue on XX/XX/year> to Mohela customer service. It has still not been fixed on my account for now over 60 days. 

The trace ID for this ACH transaction is XXXX. 

This appears to me to be a reg e billing error and inappropriate application of an approved ACH transaction to my account. Mohela does not handle these inquiries as disputes and clearly does not follow appropriate investigation timelines as required by the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-09-11 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
On XX/XX/year>, an unauthorized/fraudulent credit inquiry was made to FEB/DESTINY bank using my XXXX XXXX 

I attempted to reach Destiny Card, and haven't been speak to a person regarding the fraud. Please help remove this fraudulent inquiry from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

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 2024-09-11 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: 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 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 and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
On XX/XX/year>, PHH mortgage sent me a letter stating my hazard insurance had expired, and I was required to purchase some to avoid any lapse in coverage. I contacted my title agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and asked him about the situation because he was supposed to ensure all payments were made, and this is when he ( XXXX ) told me I was no longer escrowed, and I would have to make the payments for the insurance and taxes on my property myself starting immediately. So in a haste, I quickly obtain insurance ( after some back and forth between insurance companies ) and have been having to deal with issues from both companies ever since. So after dealing with a payment issue with my previous issuer, XXXX, I end up having to file a complaint with the TN Dept. of Commerce and Insurance, but I still ended up obtaining insurance with XXXX. XXXX then tells me he will issue a stop payment to the check with XXXX, and send it to XXXX XXXX XXXXXXXX is now charging me for that balance even after the state investigation found they wrongfully cancelled my policy. ( {$860.00} ) So after the investigation, I received several letters in the mail, all on the same day, and they were all dated for the same day ( XXXX ) The XXXX was a insurance policy declarations page through XXXX XXXX XXXX XXXX that was active from XXXX ; the XXXX was a cancellation notice of that policy dated the same day, reason being named insured request and I did not request a thing ; the next was that {$860.00} bill from XXXX, and lastly was an escrow analysis statement, insisting I was indeed still in escrow, which is the opposite of what I was told by XXXX and PHH! So when I call to ask questions, the reps act like dont understand and regurgitate scripted jargon back to you. When I asked who cancelled my insurance policy, I was given the run around. So after further research, I see how bad of a reputation PHH has and Im now positive they have lied to me and mishandled my mortgage. They have cost me XXXX if not XXXX of dollars in insurance payments. And my title agent, XXXX, went right along with the lie, so I currently trust no one with this hefty amount of money that XXXX forced to finance through these people! I am troubled because I see PHH has had several lawsuits against them and tons of complaints, but theyre somehow still allowed to do this to hard working people. And I actually called myself reading the fine print this time, but to know that this company with flat out lie to you and even go as far to forge documents is unbelievable!

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NM XXXX Incorrect XXXX : - XX/XX/1991 Incorrect Name : - XXXX XXXX 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 explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, NM XXXX Incorrect XXXX : - XX/XX/year> Incorrect Name : - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Heres a detailed description that emphasizes the severity of the situation : I recently experienced a deeply troubling case of fraud involving a car dealership that has caused significant financial and emotional stress. I entered into a contract with what I believed to be a reputable dealership and provided a {$16000.00} deposit as part of the agreement for the purchase of a vehicle. This deposit was explicitly stated in the contract and was supposed to be applied to the loan amount. However, I later discovered that the dealership never applied the deposit to the loan, effectively pocketing the money. 

To make matters worse, the dealership I initially thought I was dealing with turned out to be using the name of another dealership, adding a layer of deception to the transaction. When I attempted to take legal action to recover my funds, the dealership abruptly filed for bankruptcy, seemingly to shield themselves from any accountability. Their actions demonstrate clear intent to defraud me and other potential customers. 

I have been left saddled with a loan that is far higher than it should be, while the dealership has escaped liability by using deceptive practices and hiding behind a bankruptcy filing. Their fraudulent actions have not only put me in a difficult financial position but have also shaken my trust in businesses that are supposed to operate ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of XXXX XXXX XXXX and XXXX XXXX XXXX Dear XXXX Madam, I am writing to file a formal complaint against Jefferson Capital System for violating my consumer rights as outlined under federal laws, specifically XXXX XXXX XXXX and XXXX XXXX XXXX. 

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( XXXX CFR XXXX ( b ) ( XXXX ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information. 

2. Lack of Opportunity to Dispute the Account ( XXXX CFR XXXX ( c ) ( XXXX ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law. 

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( d ) and XXXX XXXX ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of XXXX CFR XXXX ( d ) and XXXX XXXX XXXX ( a ), which prohibits furnishing any accounts information without following the proper procedures. 

Thank you for your attention to this matter. Please fell free to contact me if need further information. 

sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I called PNC XXXX Card Services on XXXX XXXXXX/XX/XXXX to let them know that I wound get paid until the XXXX ( due date is the XXXX ) ask them can they waive my late fee. I was advised when I made the payment to call back. I made the payment & I called back & they never waived the fee. Now my minimum due is {$130.00} & that's is not normally I have called got laughed at and hung up on. Please assist if you can. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 explanation