vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Ever since my loan has been transferred to MOHELA, I never received anything in the regular mail or email stating that anything was wrong. On XX/XX/2022 I decided to check my credit and seen a drop due to MOHELA. I'm like okay no-one has called or mailed me let me log in and check. Find out they are only sending statements to the message function in there website. Notices that are important to read and contact them about however, if you don't email or send some other type of notice at the very least you don't know that they are in there. So that is first not receiving notices how would I know nothing was wrong. I finally found the location to turn off paperless on XX/XX/2022 and hope that issue fixes itself however, I don't think any penalty 's or negative credit reporting 's should be placed on my records and also should be reversed since no notification was sent outside your system to notify me. 

Second, I reached out in XXXX to MOHELA when my loan was switched over and you immediately started charging me fees that XXXX  who was my previous servicer had not. In fact I never even received a bill from XXXX. MOHELA said they had to get the updated contract from XXXX  because you didn't even have a copy at the time to confirm the payment amount which to this day is still incorrect. Regardless I was still in school this loan applied to and applied for the In School forbearance until you could figure it out. That clearly did not happen as I am seeing MOHELA now says I am over {$1400.00} past due or $ XXXX per month which again if you would have sent me notice or called I could have talked about months ago. My monthly payments till the end of next year should be {$150.00} per the repayment schedule Which I have attached for your review. I am more than willing to make the {$150.00} per month payments however, you need your system adjusted to make the amounts correct so I can make payments.. It has been wrong since the loan was taken over by MOHELA and I have already reached out more than once to get this corrected. While i am looking to finish my XXXX XXXX next year i am not currently enrolled in school to apply for another forbearance while you get this corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
On XX/XX/2020 my original creditor XXXX XXXX XXXX agreed to accept {$1500.00} as a full settlement amount on account ending in XXXX which had been placed with XXXX XXXX XXXX XXXX and had a balance of {$4300.00} at that time. My obligation to XXXX XXXX XXXX XXXX was completed in full. 

It seems that this debt which was settled in full was sold, maybe more than once, to another creditor who is now attempting to collect the remainder. 

The XXXX Card was issued by XXXXXXXX XXXX XXXX XXXX, related to, or my account may have been sold to, XXXXXXXX XXXX XXXX, then it seems to have been sold to XXXX XXXX XXXX, then put in the hands of XXXX XXXX XXXX, and now represented by the law office of Gamache & Myers. 

I attempted to dispute this debt online through XXXX XXXX which I would not recommend as a platform for dispute resolutions. 

I've also mailed hard copies of the documents to Gamache & Myers law firm. 

Correspondence with XXXX XXXX XXXX XXXX was originally conducted by my wife XXXX on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
incorrect information on credit please remove old address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
incorrect information on credit please remove old address

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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXXY ( Original Creditor : 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, Capital One Acct # # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US Code 1681 a- Definitions, rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the reports.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX Citibank sent invite to me via mail. SAID : Change my current simplicity card to a XXXX XXXX card. 
Received letter/contract for new card mailed on XXXX XXXX on XX/XX/XXXX. Read it. Letter states that once I activate my new card, expected XXXX XXXX, then my simplicity card would be closed and all transactions from simplicity card would me moved over to my XXXX XXXX card. Page two states ; " This agreement takes effect once you use your card. Even if I don't use the new card the agreement will take effect unless I contact them within 30 days after this agreement was sent to cancel. I went online and found that both cards were listed as being current. All transactions from my simplicity card had already been moved. My preapproved simplicity interest rate was 0 % until XX/XX/XXXX. Now on the new card it is 19 %. 
I immediately called three numbers and spoke to representatives stating I did not want this new car. 1.5 hrs. later the representative told me that they could NOT reverse the process and if they did I would not get my original card back or interest rate!

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with Fair Credit Reporting Act 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 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 has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information XXXX now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I went ahead and checked my credit report. On the Experian website I noticed some discrepancies on my report and continued to dispute the debt accounts I had on my credit report. Now because I had done it before I was very familiar with the process, from the time I have submitted, creditors that reported to experian have 30 days to come up with actual proof of my debt in XXXX and white. 

Not even XXXX weeks had passed I went and checked the status of my credit and low and behold all the. Disputes had been rejected. Now how is that possible XXXX they have to come up with the actual proof of debt, I believe I have to be CC? 

Now every single dispute was rejected and if those creditors came up with hard evidence of my debt, can I take a look, its my credit. Im not just gon na take someones word for it. Also I would like to probably get a second and third opinion, like the other XXXX credit bureaus. 

So very serious issue here with my credit, its my financial life which in turn is my life. Last time I disputed I had won all my disputes and raised my credit score significantly. 

So Its either I have some stuff cleared up or consult an attorney and also contact other reporters and get second and third and etc. Opinions.

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 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : WESTLAKE FIN XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked at my consumer report and I noticed some inaccurate information on my consumer file. As pursuant to 15 USC 1681e ( b ) consumer reporting agencies must prepare a report that is accurate to the max. They have been in violation to my consumer rights. On my Transunion file, I am seeing incorrect addresses that I have never lived. I want this to be removed immediately. 
see attached containing proof of identification and proof of residence. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Reported XX/XX/XXXX These are erroneous.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XX/XX/XXXXXXXX XX/XX/XXXX, has violated my rights. 

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.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, XXXX, XXXX, and Trans Union for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, XXXX, Trans Union, and XXXX. There is liability looming at this point.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, Experian, XXXX, and XXXX XXXX for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, Experian, XXXX XXXX, and XXXX. There is liability looming at this point.

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