vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: VA

Complaint narrative:
1. MOHELAXXXX did not count my temporary waiver application by saying I was not full time and another time saying I was in forbearance which my lender in XXXX told me to take instead of XXXX which would have counted my low payments since I made 60-65 % of a salary as a resident. The dates I applied were XX/XX/XXXX. That should have given me 12 more payments since graduating PT school I would have started right away knowing the benefit. 

2. MOHELA did not save the update I put in for my payments for auto debit and I had to do manual 5 days late realizing their error and tried to update but said it would take 10 days to update direct withdrawal. Odd since all my banks can process new accounts1-5 business days. 

3. MOHELA changed my payments multiple times which made no sense and no info on how my loans for undergrad and grad would be calculated to adjust for the SAVE program. 

I have called multiple times, but as a PT in a nonprofit I can not wait more than 45 minutes on hold, even though once I did for 1.25 minutes on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Avant Holding Company, Inc.
State: LA

Complaint narrative:
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 USC 1666B : A creditor may r treat a payment on a credit card349 account under an open end

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Against Transunion for Failure to Remove Inaccurate Information : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Transunion, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report. 

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Transunion complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

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 non-monetary relief
Consumer complaint received 2023-11-10 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: NY

Complaint narrative:
MOHELA put my account on some administrative forbearance without my authorization, consent or request. They did this on their own. I just checked studentaid.gov, and it says that this forbearance is delaying my PSLF progress. I have tried calling MOHELA numerous times, but they are not open when I am home. When I try calling during the work day, I am put on an hour hold. There is no viable option to contact anyone at MOHELA to correct their error. I would like my monthly progress towards PSLF restored, and my payment count updated immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made with XXXX XXXX XXXX The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate 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 explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mankin Law Group
State: FL

Complaint narrative:
My XXXX ( XXXX XXXX ) acquired a Property Management Collections ( XXXX ) to collect XXXX fees. I spoke to XXXX in the XXXX and they advised they would place collections on hold after I sustained a XXXX XXXX  and subsequent defrauding in the last year. For the first time in my life, I was facing a financial hardship and have had until that point zero negative marks on my credit or payment history. Unfortunately, not only did XXXX not pause the collections as promised, they continued to flood me with notices and mailmen collectors knocking at my door with lien notices, even though the balance was so low they could not place a lien. As you know, this is a violation of FCDPA and FCCPA ( Florida Law ), for making threats of legal action that are not allowed. Ultimately, they added some fees after a few months to get the balance above the threshold and filed the lien anyways even though the true assessment balance was under $ XXXX. I will be seeking damages from XXXX, but to make matter worse, they brought in Mankin Law Group ( I guess you'd call them a 4th party collector given XXXX is the 3rd party collector *sarcasm* ). Mankin doubled down on this invalid debt and illegal lien that was manipulated with arbitrary fees to raise the balance above the Florida Law limit of $ XXXX. Now they've piled on fees, refuse to take telephonic payments and refuse to speak to me saying I need to have an attorney. I imagine this is to toll the case past the 45 days so they can add on even more invalid fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX, Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX, Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : CREDIT COLLECTION SERVICE XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with CREDIT COLLECTION SERVICE The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Incorrect Address )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have an old debt on my credit report and they keep changing the date that it was incurred. This debt was reported originally in XXXX and its now saying it was opened two years ago. I have disputed it with XXXX a couple of times over the years and nothing changes. I have had no contact with the creditor and there is no reason for it to be re-started. I have attached past reports, showing it being closed and then they re-opened it again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: MI

Complaint narrative:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed 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 non-monetary relief
Consumer complaint received 2023-11-10 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: MI

Complaint narrative:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 
Here are the inquiries listed below. 
Account Inquires 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 explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
In XX/XX/XXXX, they claimed that I owed {$9400.00} in rent from a past landlord from XX/XX/XXXX through XX/XX/XXXX. In fact, I don't owe this rent -- my lease expired XX/XX/XXXX, and I moved out entirely after that period, cleaned up entirely with no damages, and wasn't affiliated with the apartment in any way after that period. I paid rent every single month on time and never missed any payments even through the pandemic. I asked for proof of debt in a letter and they wrote back 6 months later ( which is too long to even be valid ) in XX/XX/XXXX with my lease which clearly says the lease period ended XX/XX/XXXX. Yet they claim that I owe rent from XX/XX/XXXX through XXXX XXXX was in no way shape or form living or involved with the apartment at any time during those dates. I don't know who was or who owes money or if anyone was even living there at that time but it wasn't me. They are claiming that I owe money for dates that are not on my lease and for dates that I was clearly moved out ( and have many witnesses to prove ). I wrote a letter to them asking for proof that I was living there during those time periods or involved in any way ( through subleasing or the like -- which I wasn't ) with the apartment during those time periods, and if they could not provide this info then the debt was not valid and they must legally cease all communication. They did not listen and send another letter 3 months later in XX/XX/XXXX with simply the lease again ( which still says it ended XX/XX/XXXX ), and no further information to validate the debt. Since they didn't listen to my legal request to cease all communication as this debt is not valid, I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, my sister needed to go to the XXXX  and I was the only one available to drive her to the XXXX XXXX. My sister was the patient that this medical bill is referring to and hospital billing had mistakenly used my contact information that I had given in order to visit her. I am in no way her legal guardian or have been in the past so this debt is not mine to owe. I have tried to fix this issue over the last 2 years, both with the hospital, XXXX, and now another debt collection agency ( Franklin Collection Services ). I have spoken to their customer service representatives and have disputed the debt as not being mine but they continually keep harassing me and claiming that I am the owner of this debt. I have tried to call Franklin Collection Services since XX/XX/XXXX to ask for updates about this bill and each time I have called they have hung up on me.

Company response to consumer: Closed with explanation