vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
I am writing to file a formal complaint against MOHELA, my student loan servicer, concerning issues related to the processing of my Borrower Defense application and the lack of transparency and communication regarding the status of my loans. 

On XX/XX/XXXX, I submitted my Borrower Defense application through XXXX, only to discover that my loan servicer had switched to MOHELA immediately after the submission. My loan has been under pause due to COVID and is currently under review for Borrower Defense. 

However, on XX/XX/XXXX, I received an email from MOHELA indicating that my student loan interest would be starting up. This prompted me to seek clarification on the matter, as I couldn't comprehend why my loan would be incurring interest while under consideration for Borrower Defense.

I have attended multiple schools that are on the Borrower Defense list, and my application is still pending. Despite my efforts to contact MOHELA to understand the status of my Borrower Defense application and the rationale behind the accruing interest, I have been unable to obtain the necessary information. The lack of transparency and clear communication has left me frustrated and concerned about the status of my loans. 

Moreover, I believe that some of my loans should have been eligible for forgiveness under the Biden-Harris loan forgiveness program for loans aged 20 years and over. Unfortunately, there has been no information or clarification provided on this matter. 

To add to my frustrations, as of XX/XX/XXXX, MOHELA has been reporting negative information to the credit bureau, incorrectly reflecting negative amounts paid off. I kindly request that this inaccurate information be promptly removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Social security number is XXXX The negative items that are fraud have not been removed from my XXXX  credit report and equifax Credit report theirs a federal trade commission identity theft report on file please have XXXX and equifax removed those items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-06 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: GA

Complaint narrative:
In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on XXXX. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Was approved for a loan towards dental work on my teeth however I explained to them I never got the work done? I sat down with an employee at the dentist and they asked me if I wanted to see how much I can qualify towards getting my root canal..I got the approval amount however I never ever got the work done on my teeth at all? I explained this as well disputed this credit report as it appears on my credit in which is causing my credit score to decrease.

Something has to be done Im being held for a amount when I never got my teeth worked on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights To Resolve Inaccuracy, Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely.

According To 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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 2024-01-06 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: 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 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 2024-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Account Balance : {$32000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: VA

Complaint narrative:
Experian, has no way of interacting with their customers. There is no way of reaching a human at Experian during working hours or any hours. They handle a very limited set of circumstances by phone automation. There is no way to solve the incorrect hard inquiries appearing on my credit report by phone. I am unable to access their website because my membership login is deliberately blocked. The password can not be reset because the refuse to accept my identity documents, thereby harming my credit for an extended period of time. This is causing my family to run on a cash basis and does not allow us the use of credit. I did call the reported Inquiries of XXXX and XXXX to discuss. Theyreported that they have NO RECORD of my application, but would not provide any documents to that effect. I have attached screenshots of related documents. This has been going on for months and is deliberate. I need help with legal recourse against Experian.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I received no benefit for the use of my credit. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. In fact 15 USC 1681a ( 2 ) never mentions a credit score in the description of a consumer report and by federal law should not be included in a consumer 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion XXXXXXXX XXXX are all selling, trading, to third parties agencies without my permission 15 US 6802

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXX XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2024-01-06 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: National Credit Systems,Inc.
State: MO

Complaint narrative:
The apartment I was renting from, tried to sue me. We went to court, the judge listened to testimony and reviewed evidence. The judge ruled in my favor that I do not owe this company any money. That company then sent it to the credit agency, after I won the law suit. I made a dispute to collections agency, as well as through XXXX and XXXX. The credit agency asked me to send proof. I mailed them a copy of the judges ruling. They refuse to remove the debt from my credit report. Instead of removing it from my report, they have tried to reduce the amount and convince me to still pay it. I provided them with a copy of the court memo, showing the ruling. I also filed a complaint with the Missouri Attorney General 's Office. They company has refused to respond to the Attorney General. When I submitted the court memo to the credit agency told me she would not accept it because it was hand written, I explained that the reason it is hand written is because the court clerk has hands. I then sent in screenshot from the Missouri Courts Judicial Branch of Governments, and I expressed the judge 's decision was public record. They then sent me a letter saying I still have not provided them with sufficient evidence. I also sent them a copy of the court petition, outlying what the company was suing me for along with highlights of the amounts, all of which the judge ruled in my favor, and agreed I did not owe. 

I also informed them that the apartment complex sent them my information, AFTER we had already gone to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have tried to open a Savings account with Ally bank online ( application : XXXX ), I called and spend over 1hour and 45minutes and escalated to supervisor on the phone, the translation services was not translating the same information that I was given, the account could not be opened and they claim fraud concerns, they did not provide any other option to resolve the issue, I did explained that is a savings account so I can put part of my salary, I am a XXXX XXXXXXXX that have a legal status in the XXXX, I provided all documents they required and at this point I feel discriminated against. This is unacceptable. I do have evidence of screen capture of time on the call and the letter they sent.

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 2024-01-06 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: FL

Complaint narrative:
I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely.

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With Equifax, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief