vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
On XX/XX/XXXX I made an extra {$2700.00} payment on my student loan account with Mohela. My bank showed this was debited via ACH. Mohela transitioned my account shortly thereafter, and no evidence of my payment was present. I called on 7/18 and a representative told me the payment would post within 5-7 business days. 

I called again on XX/XX/XXXX and after a lengthy hold was hung up on. I called again on XX/XX/XXXX and was told the wait time was now 30 days, with no further explanation. My payment still does not appear on my account, and I don't want to go through Mohela 's support line again just to be given another excuse and no firm evidence of a timeline for my payment to be applied. 

I'd like CFPB to get in touch and have Mohela, XXXX or whoever is holding my money hostage to confirm they have the ACH payment, and just apply my payment to my account like they're supposed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that NAVY FCU has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I received a credit card under the name reflex that I never applied for. I reported it through the lost and stolen line provided on the paperwork, enclosed with the credit card. I spoke with XXXX XXXX, who said the account would be closed without any damage to my credit and an investigation would be opened. He was unable to tell me how the card was issued without my consent. I am worried about my credit being hijacked. XXXX also stated that there was a known problem with the company known as Celtic Bank. People need to be aware of this.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
I recently checked my credit reports and noticed inquiries that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit reports and noticed inquiries that i did not authorize

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 2024-08-30 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NC

Complaint narrative:
These inquires were not made with my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient reported a student loan as being past due 60 days on the credit report. This information is factual incorrect. The last communication that I had from Navient was the loan was being placed into an " Administrative Forbearance '' due to a class action lawsuit, which they identified that I was a part of. Since that notification in XXXX, there was no communication from Navient. Navient mailed the letter to my house stating that there was no further action due to this " Administrative Forbearance '' and that I would be notified when action was required. I do not have an online account, never set up one. Previous to this administrative forbearance, Navient would mail out a billing statement to my address. It's unfair for Navient to report the loan as being past due when there was no communication from Navient about repayment. Furthermore, in a call with Navient on XX/XX/XXXX, the representative told me that " billing statements were generated but not sent because there was no payment due ''. Furthermore, I was in a XXXX XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX, and not discharged from the XXXX  until XX/XX/XXXX. There was a family member who had power of attorney and could have handled payment on the account if such a payment was required but since there was no communication from Navient regarding payment or the loan ending " administrative forbearance '', there was no need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit 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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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
State: GA

Complaint narrative:
There is a deadline to opt out of The SAVE program which has run into Federal road block.

I was informed that I could opt out and return to the Income Based Repayment play I was on before moving to SAVE. I was told that deadline is the XXXX of XXXX. I did try to get information as to how I can remain on income based repayment IBR. However all of the options to return to or reapply to the IBR plans are grayed out. Not clickable.

How ever my option to return to my previous IBR should remain Eligible because I notified them before the deadline.

The only email I got from Mohela was stating that they now have full access to our Social Security number. Im not sure why they need to put that information in an email.

There is no information which says whether SAVE will still survive as a IBR plan or not. Further, the current administration were to lose the election It appears that Borrowers will be in a major conundrum. 

Lastly, but very important, tax filers until the XXXX of XXXX every year to file Tax returns. Restarting the billing process prior to that will cause defaulting for millions of borrowers who may not receive all the necessary paper work to file before then.

This will manufacture default if you are billing above the income threshold before borrowers can file taxes showing their income is below the threshold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Purchased home in XXXX for {$44000.00}. Documents from register of deeds shows released and XXXX on XXXX XXXX, XXXX. Documents show a loan/lein of {$50000.00}. To U.S. on XXXX XXXX XXXX. We did not receive {$50000.00}. From anyone. On XXXX XXXXXXXX XXXX XXXX XXXX got the lien and it went up to {$57000.00}. Documents then show an amount of {$87000.00}. Then on XX/XX/XXXX it goes to {$93000.00}. On XXXX XXXX countrywide is paid off. On XXXX XXXXXXXX XXXX XXXX, {$85000.00}. At no time did we receive {$50000.00}. Or {$35000.00}. Many of the documents I have were found at the register of deeds for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: KS

Complaint narrative:
My credit is very important to me and I am deeply frustrated as my credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.

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 2024-08-30 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ADP Inc.
State: OR

Complaint narrative:
I call wisely today and requested for my bank statement they told me they couldn't provide them till they end of the month, you can always requested your bank statement from the latest month up on till, the days you requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 02 STATES I HAVE THE RIGHT TO PRIVACY ( 15 USC 1681 ( SECTION 604 A SECTION 2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AND OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-30 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-30 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: FL

Complaint narrative:
I was completely taken aback when I saw inaccurate accounts on my credit report this morning, with no idea how they ended up there. I check my credit report regularly, but this time, there were discrepancies that just didnt make any sense. I tried refreshing my browser, thinking it might be a simple glitch, but the wrong accounts stayed on my report. This has caused me a great deal of anxiety, so Im urgently requesting a thorough review of the documents Ive provided to prevent this from happening again.

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 2024-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
My student loans entered repayment in an XX/XX/XXXX. I never received a billing statement from Mohela for the payment that was due on XX/XX/XXXX. I was previously set up for automatic payments and so the payment was automatically drafted from my account. I received a billing statement on XX/XX/XXXX for a payment that was due XX/XX/XXXX. I contacted Mohela about getting and administrative forbearance since I wasnt receiving timely billing statements and was advised that the statements were sent. Ive attached an email showing the date of the XXXX statement that I received. I dont have an email of the XXXX statement since so never received it. In XX/XX/XXXX, I received an email stating that I could request an administrative forbearance and refund for my XXXX payment. I emailed Mohela about this and receive a message in August stating that Im not eligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I was stunned to see inaccurate accounts pop up on my credit report this morning, with no explanation for how they got there. I check my credit report regularly, but today, there were errors that seemed to appear out of thin air. I even refreshed my browser, hoping it was just a technical issue, but the wrong accounts didnt disappear. This situation is deeply troubling, so Im asking for a thorough review of the documents I've sent to ensure this never happens again.

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 2024-08-30 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 writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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