vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OR

Complaint narrative:
My servicer changed to Mohela around one year ago. I have tried countless times to contact the company to verify multiple things and can never get through to a person. Their website does not allow actual emails or messages either. When you click to message them it just takes you to an FAQ page. My public student loan forgiveness credit from the paus has not been updates. I want confirmation on which payment plan I am enrolled and what my payments will be starting in XXXX. 

Holding loans is stressful, all that is happening over the last few years makes it more stressful, and a company with poor business practice and nonexistent customer service makes everything worse. I pay on my loans and have filed all of the necessary paperwork for repayment and XXXX verification every year. Even if I didn't, I would still deserve to have my questions answered. It is truly despicable how this company is performing. Please help. There were times when the previous servicer, XXXX would not know the best answer to my questions but someone always answered the call. What can I do??

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
There are currently 5 Dep of Ed/Nelnet student loan closed accounts reporting negatively on my XXXX credit report. Around XX/XX/XXXX I was able to get the Dep of Ed/Nelnet student loan accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of Ed/Nelnet student loan accounts that are closed are still reporting negatively on my XXXX credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX and Nelnet multiple times via telephone and mail to have the closed student loan accounts removed, but XXXX and Nelnet refuse to remove the 5 Dep of Ed/Nelnet student loan accounts that are closed and reporting negatively XXXX is the only credit reporting bureau that is reporting the Dept of Ed/Nelnet as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of Ed/XXXX  I have disputed with XXXX using Consumer law and most recently XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: MI

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: MI

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.

has violated my rights. Or list of inquiries 15 U.

S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
OnXX/XX/2023 I opened a Capital One account taking advantage of a promotion ( XXXX ). I immediately deposited {$100000.00} into the account. Per the promotion, after 90 days, I was to receive a {$1000.00} bonus. I met all the requirements for the bonus : 1. new account ; 2. deposited funds within 15 days ; 3. used the promo code ; 4. maintained {$100000.00} balance for 90 days. 

Since the bonus did not show up in my account, I called Capital One today ( XX/XX/XXXX ). I talked with XXXX ( ID # XXXX ). She agreed that I met all requirements. But, stated that the bonus review team needed to review this and the bonus would be applied to my account by XXXX XXXX, which would be 6 months after I opened the account. This is contrary to the agreement when I opened the account which was that I would receive the bonus after 90 days. 

XXXX indicated that the Capital One webpage provided this time line. But, she agreed that this information was not sent to me because I was not a " targeted customer. '' She made a case file for me and said someone from the bonus review team would get with me within 45 to 60 business days. She said my only other option was to send a letter to Capital One by U.S. mail and someone would respond to that within 30 business days. 

All of this seems like a delaying tactic and a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all 3 bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. COVINGTON CREDITXXXX XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Unable to open bank account anywhere

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX and XXXX are reporting inaccurate information in regards to my XXXX  XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE 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 non-monetary relief
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-07-31 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: EQUIFAX, INC.
State: IL

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: IL

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX upon finalizing a booking on united, a chase offer popped up on the screen : the offer was for {$250.00} statement credit after spending {$3000.00} on the card, and a XXXX mile bonus. but to my dismay, I noticed they only mention on the statement a XXXX promo miles. What transpired was countless hours on the phone ( as if I am supposed to fight for something that was clearly promised to me ) with agents who gave me the run around and only did me a whole favor that they escalated the claim. Shocking but not surprising, after their so called, major ethics breach investigation, they decided not to honor their contractual agreement with me ( why would they, if they can get away with it? ). worse, when I spoke to XXXX in the executive offices, I heard in his voice the stubbornness and indifference to my pleas that we had an agreement. Moreover, I sent them a copy of the screenshot that I took of the XXXX mileage offer, yet it didnt matter to them at all ; I was simply blown away with utter disgust with their blatant rejection to honor their promise by giving me some bs about a technical error on united airlines site. HELLO CHASE : HOW IN THE WORLD CAN YOU BE SO GRIDDY TO THE POINT WHERE U BELIEVE THAT YOUR LIES DONT EVEN HAVE TO MAKE SENSE ANY LONGER? Is this really how u welcome new customers? In what world do u live in? perhaps the world u live in is in chase universe where u do what suits ur needs just cuz ur name is chase? But let me ask u chase : what happens if I give u an excuse for making a late payment because there was a technical delay from the paying bank to transfer the funds, would u accept an excuse like this? U wouldnt in a million years. So why does a consumer like me have to buy your lies? U want me to believe that Uniteds website had an error? if thats the case, Uniteds business would be gone in a split second ; u would be able to get free tickets, if theres a glitch there. Clearly, the site had no issues ; the issue is with chase, having no obligation or desire to walk the walk and apply to my account the additional XXXX miles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: 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. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company 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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
National Credit Systems is trying to collect a debt that is not mine but belongs to my son, which is XXXX XXXX XXXX National Credit Systems is still reporting this incorrect information to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
I am writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )

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 2023-07-31 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: GA

Complaint narrative:
I am writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )

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 2023-07-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Experian, a XXXX XXXX XXXX XXXX, for their failure to respond to my debt validation request within the mandated 30-day period, as required by the Fair Credit Reporting Act ( FCRA ). Experian 's non-compliance has infringed upon my consumer rights and caused significant distress. 

On XX/XX/2023, I sent a debt validation request to Experian concerning inaccurate information on my credit report. As a consumer, I have the right, under the FCRA, to dispute any information I believe to be inaccurate or incomplete. Accordingly, Experian is obligated to conduct a prompt and reasonable investigation into my dispute, ensuring the accuracy of the information they maintain. 

Despite my adherence to the prescribed procedures and providing all necessary information, Experian has failed to acknowledge receipt of my debt validation request or initiate an investigation within the legally mandated 30-day period. This failure to respond is a clear violation of the FCRA and is detrimental to my consumer rights.

By not responding within the allotted time, Experian has denied me the opportunity to correct inaccuracies on my credit report, causing unwarranted harm to my financial standing and overall lifestyle. The inaccurate reporting has adversely affected my ability to secure credit, obtain reasonable interest rates, and pursue various financial opportunities.

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