vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2024-01-02 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: Nelnet, Inc.
State: FL

Complaint narrative:
-I received a past due notice from Nelnet for XXXX on XX/XX/XXXX. 
-I checked my banking account and payment posted to Nelnet XX/XX/XXXX XXXX I attempted to call Nelnet and office closed for XXXX XXXX XXXX  XXXX I also tried logging on but unable to do so due two tier authentication and no IT due to office closure XXXX I emailed Nelnet on XX/XX/XXXX and got a general email back on XX/XX/XXXX. 
XXXX I reviewed Student Aid.gov and Nelnet for protocols for resolving this ; none found XXXX I contacted Ombudsman A rep name XXXX  advised that website was down and submitted Feedback. XXXX re-directed me to Nelnet XXXX On hold with Nelnet for 1 hour and 14 minutes... still waiting on telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
XX/XX/2023 requested information on the inquiry that i didnt make. i heard nothing from the company. my credit is under fraud investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: VA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is an old utility bill that was originally opened by my younger brother, in my name. I have disputed this several times. The debt just keeps getting purchased by other debt collection companies. Most recently IC Systems. It is being reported as a current debt on my report for {$1500.00} as of XX/XX/XXXX. This reporting is false. This debt is more than XXXX years old, on top of being fraud. My brother, XXXX XXXX, has since passed away on XX/XX/XXXX. This debt needs to be removed from my report. What IC Systems is doing is a violation of the FDCPA and its is an out of state debt.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA

Complaint narrative:
On XX/XX/XXXX I received an email stating that my loans were in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX with no payment due and that my payments would resume in XXXX XXXXThe website showed that payments were due so I made payments from XXXX to XXXX. The website did show a XXXX amount due for XXXX but without an explanation. I made the payment in case the XXXX was a mistake and assumed that if it werent a payment wouldnt be required in XXXX. I later learned that sincw I paid more than 25 days before the billing statement none of these payments counts as paying towards my next due dates. So I made 3 payments when I didnt need to. Im on maternity leave currently so making extra payments is not something I would have chosen to do. Its ridiculous that I was only informed of the forbearance once it ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management is stating that they have are were attempting to charge interest on this debt. Original debt was XXXX. Have been paying for years, but statements mailed never go down. Have been trying to obtain true balance due for 2 years. Finally found out XXXX. The company states interest is XXXX. Keeping with the payment plan, I requested a true balance due statement, but the representative told me that can not be promised, and told me that I was getting a discount of XXXX??? Also have been sending check payments which do not show on there end, only credit card payments. I will continue to pay until it is paid off. Isnt interest illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: 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 2024-01-02 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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing.

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 2024-01-02 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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing.

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 2024-01-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
Today XXXX My mom came to communications with Williams & Fudge a collection agency XXXX XXXX had sold off due to me not being able to pay, Williams & Fudge said they had tried to contact me and failed to do so. I dont know if I recieved phone calls from them as I never got a voicemail stating it was them but I got an email regarding it on XXXX  and I called them on XX/XX/XXXX. Once in communications with my mom who was my cosigner in the original loan, they told her she needed to pay for it when she said she needed time and couldnt afford it they told her shes basically denying to pay when it is something she can not afford as well as asking her for her work information while already in contact with her and having it on file, after their phone call I decided to call them myself and I RECORDED THE ENTIRE CONVERSATION. My phonecall went downhill extremly qickly, I told them I couldnt afford to pay more than {$20.00} maybe {$50.00} a month and after being told we are here to help you I was told they wouldnt accept that on a XXXX XXXX I reitirated that I can pay that little monthly and if me making those monthly payments would be okay and then asked if i had family or friends to help me. proceeded to then tell me to ask my boyfriend for money and when i said if that was normal she told me yeah.Basically called me XXXX 'you got the education '' and At the end of the coversation she told me I had 48hrs to figure it out and I asked what happens if I cant and wouldnt tell me what.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NC

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 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. XXXX rep assured me payment processed. XXXX made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per XXXX that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. XXXX rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was XXXX rep failure to listen to customer and the facts. I feel I did due diligence in communicating with XXXX, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
XX/XX/2023 card is paid company assured me it would be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc.
State: HI

Complaint narrative:
I have contacted AWA collections to attempt to resolve the debt and the representative was unwilling to work with me. On multiple times I called and left a message and got no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I filed a credit card dispute on XX/XX/2023. Citi then sent me a letter dated XX/XX/2023 stating that my credit limit was lowered by {$6900.00}. The lowering of my credit limit is a direct result of me filing a credit card dispute. The letter states " we frequently review cardmember accounts... based upon your current credit limit usage, we've decided to lower your credit limit ... ''. I have not changed my credit habits with this card in years. My credit limit has not changed in years. I have not had any contact with Citi or paid my bill late in years. I then file a credit card dispute and XXXX business days later Citi takes negative action against my account and lowers my credit limit by {$6900.00}. It is clear that my credit limit was not lowered because of some regular review of cardmember accounts but because I filed a credit card dispute. This is an unfair practice and directly affects my credit 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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Our mortgage was transferred for servicing from XXXX XXXX  to RoundPoint Mortgage during during XXXX ( loan no : XXXX ). Our house is located in XXXX XXXX which went through a re-assessment of property values last year as well. 

Ever since the XXXX  transfer took place, our escrow account reflected a wrong upcoming property tax amount due ( the one prior to re-assessment ). The XXXX XXXX notified us in XXXX that the property tax bill ( due XX/XX/XXXX ) was still unpaid back in XXXX. After receiving the bill, we contacted XXXX to make sure they have the updated tax bill and to inquire when that would be paid. Their email contact does not provide any responses. As a result, we had to contact them via email and then again follow-up by phone. 

We were originally told by their Customer Rep that the bill will not be paid until it is 4 weeks before it starts accruing interest which would have been XX/XX/XXXX. After that date was past by more than a week, we contacted them again and were told that it will now be paid definitely sometime during the month of XXXX but they were unable to tell us when. 

Please note that as they do not respond to emails, we have had to use the helpline number which at times has over XXXX people in line ahead to wait to speak to a Customer Service Rep. 

They also went ahead and paid the property insurance on XX/XX/XXXX which wasn't due until XX/XX/XXXX before Property taxes ( 4 weeks ahead ). This caused a shortage in the Escrow which we already have paid to make sure there were still sufficient funds to pay the property taxes for this year, despite re-assessment. 

Their website updated our escrow account claiming to have paid our property tax bill on XX/XX/XXXX. It is now, however XX/XX/XXXX, our property tax bill still shows up unpaid on the XXXX XXXX website and will start accruing penalty interest starting XX/XX/XXXX. Repeated attempts to contact RoundPoint have been useless and we have never once received a response about why they are unable to process the payment in a timely fashion or even a straight answer as to when it will actually be paid. 

We would like Roundpoint to provide a receipt after they pay the bill to the county and also would like to understand why they are holding on to making the payments almost until they run the risk of being delinquent. Most companies we have worked with in the past have never waited until last minute to pay the property taxes. This has caused us numerous hours of our time wasted and contributed to enormous amount of XXXX  & stress all throughout the XXXX  XXXX  simply because RoundPoint is unable to perform their job in a satisfactory manner.

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 2024-01-02 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX. XXXX XXXX XXXX XXXX, Tn XXXX - Inaccuracy : Never Lived Here XXXX. XXXX Rep XXXX XXXX XXXX XXXX - Inaccuracy : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have requested to be put in the XXXX plan and taken out of XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they put me in a different plan and do not take me out of XXXX, but keep pushing my next due date back. My newest due date is XX/XX/XXXX. I'm accruing XXXX of dollars in interest each month that I simply can't afford. I've called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and waited on hold for XXXX hours. Each time they assure me they will fix the issue and process my request, but they never do.

Company response to consumer: Closed with explanation