vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX And XXXX XXXX XXXX I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: WI

Complaint narrative:
I have previously notified you of the fraudulent credit inquiries appearing on my credit report to which I have never applied to nor recognize, yet you blatantly ignored my complaint and these fraudulent inquiries still appear on my report, this is a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
You are on my credit, reporting that I owe you some type of money. I've never done business with you. How do I have an account with you on my credit report. I have not received any notice pertaining this allege debt I am unwilling to pay this debt. I am not wanting validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX, Chase Auto, has a legal requirement to provide me, the lessee, a POA for registration of leased vehicle out of state. This is required by the State of Florida in order to have the vehicle registered to me and receive a license plate. XXXX XXXX hasn't provided it to me within the legally required period of 30 days. As a result, my car hasn't been legally able to be driven for almost 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> someone fraudulently opened an account with Chime. They in turn conducted an inquiry withe the credit bureau and issued a visa debt card. I became aware the same day and called them the cancel everything that had to do with my name, social security, etc. They said they did but could not provide proof. On XX/XX/year>, I receive the card in the mail and called back. They said they account was closed ( again..no proof ). I requested that they reverse their inquiry with the credit bureau as it affects my credit score, and was advised by the bureau that it needed to be done. After much discussion, I was advised, it is not their policy to reverse inquiries and they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>, XX/XX/year> I Disputed three times and i have called them they told me i would have to speak to the credit bureau to get this off my credit. The amount of {$9500.00}. They do not have the credit address or information on file to verify me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
Upon me looking at my credit reports i noticed some Fradulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found errors on my credit report, such as late payments that dont match my typical payment behavior. Kindly correct these issues and update 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 non-monetary relief
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
I noticed several billing errors on my recent credit report, specifically late payments that dont align with my usual payment record. Please correct these and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a XXXX XXXX XXXX. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. XXXX is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my credit score. I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: U.S. BANCORP
State: IL

Complaint narrative:
Years ago I was married and we had a joint account at Great Lakes Credit Union, it was a XXXX XXXX card. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, Elan Financial bought the debt from Great Lakes Credit Union and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided Elan Financial the divorce agreement that included the order and they still continue to try to collect from me. XXXX is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my credit score. I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: APG Financial Inc
State: UT

Complaint narrative:
XX/XX/year>XXXX  I was entered into a contract with what I believed was Markosian Auto 's in-house financing. It turns out I was entered into an agreement with a financial institute named APG Financial. I was told my {$2000.00} deposit was needed in order to get approved for said " in-house financing ''. My agreement was shown to me on a computer screen being scrolled through while going over terms of the agreement. I didn't know every time I said " okay '' ... an electronic signature was made in my name. This is how I was entered into an agreement making Markosian Auto my power of attorney and another agreement with APG Financial who collects my payments. I was charged gap insurance and the neither company was not licensed to sell insurance until XX/XX/year>. I was charged a fee for not being able to afford auto insurance with a {$500.00} deductible. I sent letters with tracking and certification to revoke power attorney and rescind the agreement. this was over 20 days ago. I stopped paying due to the fraudulent charges that I addressed in my letter to rescind. APG Financial turned the vehicle off after one bi-monthly " missed '' payment ( not even a full months payment late, not even 30 days late ), using a gps device in the vehicle due to the " late '' half payment. I have not gotten a response or any acknowledgement from Markosian Auto to move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Personal Information : XXXX Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known XXXX : XXXX 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
A company called Love, Beal & Nixon has been relentlessly harassing me, leaving over 2-minute-long voicemails multiple times a dayskip tracing for someone who does not use this number. I told them clearly : this is the wrong number, and they need to stop. But they were rude, flippant, and accusatory, refusing to listen. Their harassment continued until they finally claimed theyd remove the number, but not before issuing a chilling threatthey said theyd " find the person '' they were looking for, and then they were " coming for me. '' I have no business with these people, and this was a direct, terrifying threat. When I called back to demand no further contact and warned them Id involve law enforcement, they had the audacity to laugh in my face and hang up. This isnt just harassment ; its intimidation, and Im afraid for my safety..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Also Known XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: OH

Complaint narrative:
Mohela is the servicer for all of my federal student loans. I am eligible for Public Service Loan Forgiveness, with some loan balances already forgiven, and remaining loans at XXXX, XXXX, XXXX payment counts. Two of my loans showed XXXX payment counts. Mohela customer service told me in early XXXX  to just keep watching, the payment counts would update in time. The payment counts on the two loans with XXXX payment counts have never changed, despite loans with later disbursement dates being forgiven already. 

I started a consolidation loan on XX/XX/year>. Eventually, these two loans with XXXX payment counts would be excluded from the consolidation loan, for the reason that they showed 'in school status '. XXXX said they could see in the XXXX that the loans had entered repayment multiple times, and to ask Mohela to correct the error. 

I have now been working with Mohela for four months to correct this error. I have logged more than 40 hours on the Mohela phones, with documented screenshots of hold times and detailed notes. I have had four different escalated cases with the resolution team. Mohela managers admit that the two loans in question are 'stuck ' in in-school status. Once, they rebuilt my account, which fixed the issue for a week or so. Somehow the loans keep returning to in school status and still have XXXX payment counts for PSLF. 

As of now, XXXX has processed my XXXX document that I sent in before my 180 day timeframe expired, and the two loans were deemed eligible for consolidation. The consolidation loan is now closed and transferred back to Mohela. Yet Mohela accounts show them as in school, XXXX payment counts, and ineligible for consolidation. My Mohela account now also shows my total original loan balance, including loan balances that have been forgiven through PSLF in studentaid.gov and completely removed from my credit report. 

Given recent court actions in Missouri, I no longer trust Mohela to be a neutral servicer who is willing or able to manage my account details in a responsible manner. Rather, I feel my account is evidence of willful mismanagement in an attempt to retain account balances in order to generate funds through extended servicing, actions which are blocking me from my rightful ability to consolidate and proceed with PSLF, causing me harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation