vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/2024 I received an email that said, " Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date. '' I called Mohela to follow up on this and they said I was eligible for a one month refund, which would be {$320.00}. They also said it would take 90 business days to process. They submitted the request on XX/XX/2024. However, it has been well over 90 business days and I have not received my refund. I called Mohela and they said there was nothing I could do and that sometimes the requests took longer to process. I would like to receive my refund promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CO

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. 

XXXX XXXX : # XXXX, These credit card inquiry that I do not recognize is not attached to an open account and I would like it disputed immediately XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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.

15 U.S.C. 1681B ( 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. 

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( incorrect ) Date of Birth : [ - ] Correct Date of Birth : [ XX/XX/XXXX ] ( incorrect ) Full Name : [ - ] Correct Full Name : [ First : XXXX Middle : XXXX Last : XXXX ] ( incorrect ) Address : [ - ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( incorrect ) Employer ( s ) : [ - ] Correct Employer ( s ) : [ XXXX  XXXX ] This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I personally reached out to XXXX XXXX to report the balance of {$130.00} as paid multiple times but to no avail. They sent me the verification of payment letter but have not reported that I have paid the balance and it shows on my Equifax and XXXX credit reports. Balance was paid in XXXX or XXXX and keeps getting reported that is not been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since 2020 when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : XXXX, XXXX and Experian ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.

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 2025-01-08 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: MS

Complaint narrative:
There are several companies that have inquiries that were not made by me and I asked them to remove them. I didnt listen because of the amount of inquiries would take a while to type out.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are several companies that have inquiries that were not made by me and I asked them to remove them. I didnt listen because of the amount of inquiries would take a while to type out.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Purchased an air fare on Capital One 's travel website ( travel.capitalone.com ). This website offers a " price match guarantee '' with 5 clauses within the terms and conditions. 

Despite meeting all criteria ( as agreed by the 2 agents I spoke with on the phone ), capital one travel refused to honor the price match when I shared a cheaper advertised air fare with them. They stated that the business in question was on a " banned list '' for their price match guarantee despite the business still being valid to process purchases using Capital One 's own XXXX  credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
YOUR COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPORT. THESE ITEMS ARE A VIOLATION OF THE FCRA BECAUSE THEY ARE INACCURATE AND UNVERIFIED. YOU ARE REQUESTED TO DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY BECAUSE THE INACCURATE INFORMATION IS STILL REPORTING ON MY CONSUMER REPORT. DELETE : ( XXXX  XXXX BANKRUPCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
YOUR COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPORT. THESE ITEMS ARE A VIOLATION OF THE FCRA BECAUSE THEY ARE INACCURATE AND UNVERIFIED. YOU ARE REQUESTED TO DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY BECAUSE THE INACCURATE INFORMATION IS STILL REPORTING ON MY CONSUMER REPORT. DELETE : ( XXXX  XXXX BANKRUPCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY )

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 2025-01-08 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am on the PSLF program under the SAVE plan. I am currently at XXXX  payments/XXXX  and have over 123 months of eligible employment certified. 

During the transition from Mohela to FSA for PSLF program, I made two payments that are still showing as ineligible ( XXXX & XXXX ). I was told during phone conversations from FSA representatives that these months were eligible but they were still being updated. They have still not been updated and now Im told that only XXXX will count but XXXX wont. The misinformation and inconsistency is very frustrating. 

Since my account was placed in admin forbearance due to the SAVE forbearance, I have not been able to make payments. I was told to submit a buyback request to pay the final 4 paymets. I did this in XX/XX/year>. Since then I have not received any offers to buyback those remaining months. In XX/XX/year>, I submitted complaints and was told it is still processing.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-08 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: NV

Complaint narrative:
I have disputed a fraudulent account from Experian XX/XX/year> and requested their proof of investigation and the documents they used to verify my identity to this account. Experian did not update me with this investigation nor changed anything.

SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
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 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 2025-01-08 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
XX/XX/year> I disputed Hard, Soft, and Promotional Inquires certified mail XX/XX/year> I called and disputed Hard, Soft, and Promotional Inquires XX/XX/year> I called to dispute Hard, Soft, and Promotional Inquires The Reporting agency 's replied that they couldn't be removed and didn't remove them resulting in me having a difficult time accessing credit that I deserve.

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 2025-01-08 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: OH

Complaint narrative:
XX/XX/year> I disputed Hard, Soft, and Promotional Inquires certified mail XX/XX/year> I called and disputed Hard, Soft, and Promotional Inquires XX/XX/year> I called to dispute Hard, Soft, and Promotional Inquires The Reporting agency 's replied that they couldn't be removed and didn't remove them resulting in me having a difficult time accessing credit that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Urgent Request for Resolution of Credit Report Inaccuracy Dear [ XXXX XXXX XXXX  ], I am writing to formally inform you that I have previously reported an inaccuracy

on my credit report regarding a eviction that occurred last year. I have been residing at my current address since 2013 and have provided all necessary documentation, including rental payment history and my lease agreement, to support my claim. Despite taking all the required steps to rectify this issue, the eviction remains on my report, significantly impacting my ability to secure housing. This situation has caused me considerable stress and embarrassment, as I continue to face denials from property management companies. I urge you to review my case again and take immediate action to remove this incorrect information from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
They are reporting different balance on my report XXXX XXXX and XXXX. Loans are in deferment never late and the balances need to be removed from report impacting my credit report. They have over excessive report multiple loans and I did not take out 20 loans. They are not Mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. XXXX XXXX XXXX TransUnion XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX {$580.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX {$680.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Closed Account by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX  XXXX for incorrect reporting of a closed account. I have reviewed my credit report and discovered that XXXX XXXX is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing 30 and 60 days late, even though under the Fair Credit Reporting Act ( FCRA ) Section 1681, a charged-off account should not be reporting a balance or late payment statuses. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. It reports late payment statuses ( 30 days, 60 days ) on a charged-off account, which is in violation of FCRA regulations. Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that XXXX XXXX is in violation of this rule, and as a result, this is impacting my credit report inaccurately. I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that self financial corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. Sincerely, 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