vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
On this date XX/XX/XXXX The Credit bureaus stated Accounts ( XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, last payment inaccurate with different dates being reported ( Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on Experian nor XXXX. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on XXXX from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across EXPERIAN nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

Experian Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account number : XXXX XXXX Account Name : 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
Consumer complaint received 2024-03-27 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: DC

Complaint narrative:
In early XXXX  2024, the Department of Education ( ED ) announced recertification would be extended to fall 2024, at the earliest. My loan recertification date was XX/XX/2024, and MOHELA required me to recertify my income by XX/XX/2024 ( see attached file - " XXXX - XXXX '' ). So ED made this announcement after my recertification was already due to MOHELA. 

On XX/XX/XXXX, MOHELA sent me a letter stating they processed this recertification ( see attached - " XX/XX/XXXX Income Driven Repayment '' ), after ED announced the extension. So MOHELA processed that recertification after the ED 's announcement. ED 's website says payments that increased due to recertification would be reverted to the previous payment amount. MOHELA still has not reverted my new payment amount ( {$650.00} ) to the previous, lower amount ( {$570.00} ), per ED 's guidance. 

I called MOHELA on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who did not have a timeline for when payment amounts would be reverted. I called MOHELA again on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who said there is no timeline for when payment amounts would be reverted. XXXX also told me they would not put me in administrative forbearance, despite this being ED/MOHELA 's mistake, so I will now be forced to pay the higher payment amount starting with the month of XXXX until they fix this mistake and revert my payment amount. I am counting on PSLF, so I am essentially being forced to pay the higher, incorrect amount ( based on ED 's new guidance ) and if I don't, these months won't count towards PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
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. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. This account are reporting inaccurate information XXXX XXXX XXXX, {$340.00} no XXXX or XXXX  days reporting but it show XXXX XXXX day late payment it skip XXXX and XXXX  days. XXXX XXXX XXXX XXXX, this account show {$2000.00} no balance but XXXX XXXX XXXX XXXX XXXX XXXX this is inaccurate information. XXXX XXXX XXXX XXXX XXXX show XXXX XXXX  days late payment XXXX XXXX late payment and XXXX XXXX day late payment. How is thats this all inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ensuring payments are always on time for this account has been a priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, necessary corrections should be made.

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 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2024, my vehicle was repossessed by your company due to a returned payment. While I understand the circumstances that led to this action, I am deeply disappointed by the lack of communication and empathy displayed throughout the process.

The experience was not only distressing but also poorly managed. I was not adequately informed about the repossession procedure beforehand, and the manner in which it was carried out was both unprofessional and disorganized. As a loyal customer of your company, I expected a higher level of service and transparency in such a situation.

I have been calling since XX/XX/2024 to figure out the amount I owe and have been given conflicting information. I received a letter in the mail stating what I have to pay in order to reinstate my loan and am being told a much higher amount over the phone. I still have no clear explanation as to what I owe and the amount is growing day by day, this is predatory. Every time I have gone to pay my monthly payment on the app I have had no past due notices. The representative told me that the app doesnt show returned payments- this is predatory and is only setting up customers for failure.

Furthermore, the lack of assistance in resolving the issue and the unresponsiveness of the customer service team have only added to my frustration. I believe that the handling of this matter reflects poorly on your company and undermines the trust and loyalty that customers like myself have placed in your brand.

I am reaching out to you in the hope that you can address these concerns promptly and ensure that measures are taken to prevent similar incidents in the future. Improving communication, providing clearer guidelines for repossession procedures, and enhancing customer support are essential steps that can help enhance the overall customer experience and maintain your company 's reputation.

I would appreciate the opportunity to discuss this matter further and explore potential solutions to prevent such occurrences in the future. Your attention to this issue is crucial in retaining the trust and satisfaction of your customers.

If I dont not hear anything back about this situation, I will have no choice but to file a class action lawsuit as Im sure I am not the only customer experiencing a situation like this.

Thank you for your time and consideration. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: GA

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 non-monetary relief
Consumer complaint received 2024-03-27 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX issued by synchrony bank. This card is only used for our XXXX phones. I am having difficulties in getting my bill for account XXXX. I havent received any billing since XXXX of 2023. When I do not receive the bill, I forget to pay it. This gives synchrony bank the authorization to charge a {$30.00} late fee. I believe this is an ongoing issue. I have had this same identical problem with my XXXX XXXX account issued by synchrony bank. Synchrony bank is making a fortune with late payment fees on any card holder issued by synchrony bank. I did contact the company without satisfaction. My address, phone, and email has not changed. If this complaint must be elevated to a higher authority please do so. I am tired of this company screwing with my 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 monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : 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 2024-03-27 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: MS

Complaint narrative:
I requested that my personal information be updated with XXXX, XXXX and TransUnion. To this date there is still information on my report that is not accurate.

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 2024-03-27 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: MS

Complaint narrative:
I requested that my personal information be updated with XXXX, Equifax and XXXX. To this date there is still information on my report that is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Nelnet, Inc.
State: NY

Complaint narrative:
I am waiting for a refund check from the dept of treasury. The only problem is this is the second time they are reissuing this check. I never received it in the mail. I verified the address is correct. I even filed a complaint with the usps. I live in a safe neighborhood. I am not sure why the check is responding to me. Nelnet is my current servicer. I am getting the same run around. Wait XXXX  days and we will request to stop payment and reissue a new check from the treasury. The first check was sent XXXX XXXX. Never received. The second check was sent XXXX XXXX. Haven't received it yet. Please help me investigate what is going on. On XXXX XXXX XXXX XXXX  from nelnet confirmed check was sent XX/XX/XXXX. Check # XXXX ref # XXXX. This is the check info. I never received it. Now I would have to wait another XXXX  months to have then reissue. Please please kindly investigate this. Why I am not receiving this check for XXXX. My name is XXXX XXXX. The case number I have going on with FSA is XXXX. The case I have with usps is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently maintained on-time payments for this account, ensuring they never fall behind schedule. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made for any errors.

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 2024-03-27 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:
I wrote multiple letters to EXPERIAN and XXXX and the last letters was sent out XX/XX/year>. I never received a response from them before the last letter and now XXXX send me a letter stating that the letters of dispute was not from me. How did they verify that those letters are not from me, I also included my ID and some information. I created those disputes since there are inaccuracies on my report. This XXXX XXXX account number : XXXX is reporting 100 % incorrect on XXXX and Experian. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo happily accepted my business for the better part of a decade as the account holder of a XXXX XXXX Credit Card, a product designed to help students and others with little/no credit history develop credit slowly by making purchases on everyday things. As my account aged, I was able to unlock better and newer lines of credit thanks to consistent payment of all bills and responsible usage of lines of credit. I had a recurring payment against the card that may have been stopped at some point, but basically the card was flagged as inactive despite my very sincere desire to keep the card active and pinging as part of my credit history. I didn't even learn about this until after the card had been closed and I called Wells Fargo ( and went to visit with a banker in person ). Now my credit score has been destroyed by virtue of a much shorter credit history available, which itself is ridiculous because how can Wells Fargo unilaterally decide to erase years of responsible usage of a credit card? how is this fair? why does an account closure even impact the history that I had with that account? 

So beside myself with rage, feeling helpless, don't know what this will even do because wells Fargo probably offers CFPB executives cushy golden parachute offers after their appointment expires but here goes nothing.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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