vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
My student loans are serviced by Mohela. Mohela has admitted to experiencing an administrative error with processing a COVID forbearance refund payment request I made in XX/XX/XXXX for {$24000.00} and informed me recently on XX/XX/XXXX that they would not be issuing me this refund despite them having previously informed me on multiple occasions by Mohela staff that I would receive this as it would be a lot of work on their end to correct their administrative error. I had {$100000.00} in student loans in XX/XX/XXXX and I made a COVID forbearance payment in XXXX of {$24000.00}. On XX/XX/XXXX I requested a refund of this payment which was legally allowed and Mohela stated that they would be requesting this amount to be issued to me via paper check by the US Treasury Department. After this request, Mohela 's records indicated that my loan amount went up from {$100000.00} to {$130000.00} ( the amount of my refund request ) which Mohela stated was their standard practice prior to issuing a refund payment. Under Mohela 's guidance and instruction ( which I have a screenshot of chat messages ) I made a request to consolidate my student loans on XX/XX/XXXX, and then I was later awarded public service loan forgiveness for {$130000.00} ( the amount of my original loan amount plus the amount of my refund request ) in XX/XX/XXXX. I have had multiple encounters with Mohela, with many different supervisors, resolution office, accounting department, and all of them have indicated that they are processing my request but I still have not received a refund payment as requested, and then my recent contact a supervisor indicated that they would not be issuing me a refund. Not only did they not refund the payment which I was legally allowed to request and receive back, but they wrongfully submitted my PSLF and received money for the wrong amount as they included the refund request amount in my original loan amount, thusly overcharging PSLF by {$24000.00}. Please see attached supporting documentation for detailed notes of my contact with Mohela, including a screenshot of the chat summary I had with one of their representatives who confirmed I would be receiving this refund and instructed me to consolidate my loans and then apply for 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 2024-10-25 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I purchase a car that I was leasing before, the purchase price includes Extended limited warranty, prepaid maintenance, tire and wheel protection, and gap protection totaling {$11.00}, XXXX. I toke the car for service at the Mercedes Benz of XXXX XXXX, and they do not want to honor my prepaid fees, but still charging for that every month with my car payment loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account was charged off in XXXX  XXXX and XXXX removed the item from my credit but Equifax is not removing it. And they are stating account is accurate I am requesting the immediate removal of the disputed account belonging to XXXX XXXX XXXX, with account number XXXX, from my credit report as it is no longer under dispute and the information is inaccurate. I don't understand why I am having such a difficult time getting these removed when XXXX and XXXX were so easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: LA

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 explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
There are inconsistencies with late payments on my credit report. I usually pay on time, so please adjust these errors. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately block and delete all accounts listed below from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$29000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$37000.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened on : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX Mobility Account # : XXXX Opened on : XX/XX/XXXX Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-25 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: CA

Complaint narrative:
Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX  - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NM

Complaint narrative:
I am writing to formally dispute a charge of {$1100.00} that appeared on my Discover card statement on XX/XX/year>. Upon noticing this charge, I immediately contacted Discover 's fraud department to report it and file a claim. However, my concerns have not been adequately addressed, leading to my continued frustration and confusion regarding this matter. 
On that day, I received a text message ( see below ) prompting me to log into my XXXX account to pay {$0.00} for postage related to a delivery. Given my frequent online shopping, I believed the message to be legitimate. I entered my Discover card information and received a notification ( see below ) asking me to authorize a charge. Importantly, the Discover alert clearly shows " XXXX '' as the sender, which should indicate that I was misled and scammed, as I did not authorize any charges to XXXX. It did not specify the merchant as XXXX or indicate the charge amount of {$1100.00}. Had I known the true nature of this charge, I would not have authorized it. 
During my discussions with both the fraud and billing departments, I attempted to provide evidence supporting my claim, including screenshots of the messages I received. Unfortunately, I was informed that my authorization of the charge made me responsible, yet my evidence has not been reviewed because I just received another letter from Discover card, stating, " Based on our records, your dispute was previously investigated and resolved. They didn't even review the screen shots I sent them with a letter explaining the whole story!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My review shows multiple accounts I didnt open. Please promptly block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
I am submitting this complaint with utmost certainty and deep frustration, as there are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, hindering my ability to achieve financial freedom and stability.

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 2024-10-25 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: AL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

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 non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I spotted some billing errors on my credit report related to late payments that dont match my history. Please correct and update accordingly.

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 2024-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have filed multiple complaints with CFPB. Each time Nelnet will respond inaccurately and CFPB closes the case. The latest complaint to Nelnet case number XXXX was closed after Nelnet provided a letter indicating they were not going to comply with my request to follow the Sweet XXXX XXXX ( XXXX ) settlement agreement and refusal to follow XXXX  XXXX 's directive to apply the Terminal Consolidation Loan process to all automatic class members ( discharge the terminal consolidation loans [ XXXX XXXX and non-SvC loans ] and refund the monies that have been paid back to the borrower ). Nelnet stated in their XXXX letter that " We can confirm that as a contracted servicer, we follow the guidelines laid out by XXXX regarding the TEPSLF and borrower defense discharge programs ''. 

XXXX of my questions is how can Nelnet disregard the settlement agreement of XXXX and XXXX XXXX 's directive to apply the Terminal Consolidation Loan Process? How can Nelnet reallocate part of my refund to pay for non-SvC Loans? 

Yesterday, XXXX, at the SvC progress hearing in XXXX XXXX 's court it was stated that the loan servicers had corrected the reallocation of refunds to pay for non SvC loans. This was not a true statement in my case since my refund has still been reallocated. My loans have been discharged under the settlement agreement, but my refund has been reallocated to pay for the non-SvC loans. I have been saying this in each of my complaints and Nelnet continues to disregard the court and continues to say they are only doing what the Department of Education ( XXXX ) is telling them to do. 

In the XXXX letter Nelnet states that " If we do not receive new information substantiating your claim, we may file your concerns without additional action ''. What more or new information is needed? The court documents have been provided to Nelnet. Nelnet has attorneys present at the hearings and have been told to follow the courts directives. I need to know exactly what additional information is needed? 

I also need Nelnet to provide me with the written XXXX guidelines that were referenced in the XXXX letter. 

According to my records, my remaining refund should be between {$10000.00} and {$10000.00}. I honestly believe it should be more. I do not believe XXXX has my full payments documented. On XXXX in XXXX of my many conversations with Nelnet, a Customer Service Representative indicated that the records in my file showed that on XXXX XXXX authorized refunds in the amounts of {$5100.00}, {$6700.00} and {$7900.00} totaling {$19000.00}, however, I do not have actual documentation of these numbers even though I requested the documentation from Nelnet. 

I need Nelnet to follow the court 's directives. Refund my money! 

Once that is completed my case will be complete according to the SvC settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Violations : 15 U.S.C. 1681 ( a ) explicitly states that transaction histories are not to be reported on credit reports, making the reporting of this charge-off unlawful. 
EXPERIAN, XXXX, XXXX blatantly violate 15 USC 1681 ( A ) by reporting transactions histories and without oral, written or otherwise consent.

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