vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
I am filing a complaint against Experian because they violated my rights under the FCRA 623 ( a ) ( 3 ) and the FDCPA 807 ( 8 ) by failing to enter Notice of Dispute and Failure to communicate that a disputed debt was disputed within 30 days ( which was required by XX/XX/XXXX ) of my first dispute letter ( attached ). I sent them a letter on XX/XX/XXXX, disputing account- XXXX XXXX XXXX, account # XXXX with proof of the inaccuracies and proof that XXXX and XXXX XXXX deleted the account due to the inaccuracies. I first sent them a XXXX XXXX Receipt dispute letter with proof of Signature on XX/XX/XXXX, and they received it on XX/XX/XXXX. They totally disregarded my letter and did NOT even investigate my dispute. 

I sent Experian a second letter of dispute on XX/XX/XXXX, and included the first dispute letter and XXXX XXXX XXXX proof from XX/XX/XXXX. They picked it up from the post office on XX/XX/XXXX. On XX/XX/XXXX, they sent me an automated email explaining their role in the dispute process that according to the FCRA. Again, they did not put it through dispute process, and they failed to enter a Notice of Dispute and failed to communicate that a disputed debt was disputed. 

After ignoring my first dispute letter and second dispute letter, I sent my third dispute letter on XX/XX/XXXX, explaining that they never responded to my first dispute letter and failed to enter a notice of dispute within 30 days and that the last update to this account was XX/XX/XXXX, I asked them to delete the account in dispute since they have violated FCRA 623 ( a ) ( 3 ). They finally responded on XX/XX/XXXX, with an email stating they were starting the dispute on XX/XX/XXXX. On XX/XX/XXXX, at XXXX, I received another automated email that the investigation was completed and the item remains. 

After all, three dispute letters, they still failed to enter Notice of Dispute and Failed to communicate that a disputed debt was disputed. They did not do a proper investigation any of my disputes. 

I received an automated email at XXXX on XX/XX/XXXX, with the results of the dispute that they did not complete. I would like Experian to delete this account from my credit report as they violated my rights.

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 2024-03-13 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-13 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TN

Complaint narrative:
I paid {$1100.00} to MOHELA on XX/XX/24 in an effort to pay for a large portion of my student loan. The company decided to transition my account to their new platform XXXX hours later. I have given them ample time to apply this payment and it has yet to be done and my account continue to accrue interest on an amount i dont owe. I submitted a request about this on XX/XX/24 and have yet to hear backand in fact the site is virtually unusable now when I log in because I cant get to the payment screen nor can I open the message i sent themI can only view documents theyve sent meincluding a statement for a payment that isnt due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON MY CREDIT REPORT, APPEARS THESE HARD INQUIRIES THAT I DO NOT RECOGNIZE FROM TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> -XXXX XXXX XXXX XX/XX/year> XXXX REMOVE THESE HARD 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 non-monetary relief
Consumer complaint received 2024-03-13 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: RI

Complaint narrative:
Called lender ( Nelnet ) on XXXX and again XX/XX/XXXX after receiving letter advising my requested forbearance was approved. Letter stated I would owe additional interest. Advised them I never requested any such thing. They then proceeded to advise this was on a XXXX loan ( it is {$12000.00} ), and that the {$100.00} payment would go up to {$440.00} in order for the loan ( XXXX XXXX XXXX ) which had exceeded its " time period in accordance with note to pay off. XXXX had previously been held by Great Lakes. Loan had been part of an extended payment with due date XXXX with all of the other PLUS loans I took out. Was told I was eligible due to the amount I had owed. The original lender ( Great Lakes ) imposed a moratorium in the payments during COVID and transferred the servicing during that time. Nothing in the timing has been impacted other than the fact that the COVID pause was implemented and not at my request. In reviewing Nelnet paperwork there are multiple issues one of which I just noticed. In XXXX when the moratorium was presumably lifted Nelnet sent a letter advising the loan is XXXX but all of the prior statements before it was service transferred indicate loan was for {$12000.00}. Nelnet statement of XXXX shows an extended payment with 164 payments due. XX/XX/XXXX statement shows 162 payments due. They have now switched the payoff date and on the last statement ( payment due XX/XX/XXXX ) advised that the loan is due in 24 payments. They advised my wife on the phone that in order for the loan to meet the due date the payment is now going up to {$440.00} and that it is in forbearance for two months, continuing to accrue interest. When we advised that I was not going to pay that amount nor did we agree, they advised to look at the note where it says they can adjust the payment and the due date. They also stated I could either lift the forbearance and they would debit my account the new {$440.00} payment, or they could escalate. As this is the second call and they told us I could refinance if I didn't like it, there does not seem to be the competence to handle the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NC

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Velocity Portfolio Group
State: CA

Complaint narrative:
I would like to formally request the removal of all hard inquiries, collections, installments, closed accounts, debts, inaccurate addresses, and any other inaccuracies from my credit report. 

FCRA Section 611 FCRA Section 605B

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 2024-03-13 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I called my servicer, NewRez, to inquire about a Covid forbearance plan on XX/XX/2024 at around XXXX XXXX. I had called on XX/XX/XXXX and was told that I would have to call back the next day. On XX/XX/XXXX, I spoke with someone named XXXX and inquired about the Covid forbearance plan and was told that it no longer existed. I was told that the only plan that she could offer me was to be 3 months in arrears and then to apply for a deferment. She said I could go to the website for any additional information. My mortgage statement had specifically said to call the number I did if we were affected by Covid-19 and struggling to make payments. My wife works in the XXXX  industry in origination and fortunately knows more about the forbearance plans than I do. She was able to find the option hidden on the website in our account ( not on the main page ) to apply for Covid forbearance. I feel like this was very misleading and if she hadnt known that the option existed, I might have been mislead into making a very bad decision for my credit and my home ownership. I dont want other people to fall into this trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: LEXISNEXIS
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have applied for Teacher Loan Forgiveness. I work at a qualifying school and have been there for enough years. 

Every time I try to contact Aidvantage, they increase the amount of time it will take to process my XXXX application. At first, they told me 30 days. After the 30 days, they told me XXXX. After the 60 days, they told me it would actually be 90 days. The last time I actually called, they told me they would be processed within 120 days. It has now been 128 days and my application has still not been processed. Meanwhile, I am still paying these loans monthly which I qualify for forgiveness on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-13 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was promised 0 % interest for two years, I had been making payments, usually more than the minimum, had made it more than half way through my original balance when they charged me double my new balance in interest. While checking out wheat was going on with the account I noticed there was interest fees charged the whole time. When I signed up for the card I was promised no interest for two years.

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 monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below. 

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: OH

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report. The inquiry was made and I have no recollection of authorizing this inquiry or having any association with this creditor.

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 2024-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XX/XX/year>, I received a letter from Capital One stating that my information was updated. I spoke to 3 different individuals and all they would tell me is my identity was stolen and that I needed to send a letter to a fax number requesting more information. They were not helpful at all and I don't understand why Capital One would have my information when I didn't even have an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation