vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-18 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: TX

Complaint narrative:
Republic Finance reported two XXXX  to XXXX identifying my account as unrecoverable. I was under a payment arrangement with XXXX when Republic Finance pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out Republic Finance reported my account to XXXX as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate tradelines on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the Texas XXXX because this company 's practices are attrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: NJ

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX 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 2023-09-18 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-09-18 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: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
On XX/XX/23, I was approved through Aidvantage for an income-contingent replacement plan where I would pay {$68.00} a month. I just got an email on XX/XX/23 that they changed that to a SAVE program where I would pay XXXX  XXXX monthly. I don't know how this happened. Maybe I applied accidentally, but now I can't get anyone on the phone and the chat app is shut down because it says they are too busy. I can't pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-18 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-19 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: NC

Complaint narrative:
My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
ON XX/XX/2023 JEFFERSON CAPITAL WAS SENT A CERTIFIED DISPUTE LETTER IN REGARDS TO A DEBT OWED BY XXXX XXXX IN THE AMOUNT OF {$1600.00}. JEFFERSON CAPITAL HAS ILLEGALLY SUBMITTED A FALSE DEBT OWED TO THE CREDIT REPORTING AGENICES WITHOUT NOTIFYING ME OF THE DEBT IN QUESTION FIRST. IN THE LETTER SENT TO THEM ON XX/XX/2023 THEY WERE ASKED TO SEND VALIDATION OF THE DEBT SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT. AS OF XX/XX/2023 THEY HAVE FAILED TO RESPOND TO THE DISPUTE LETTER OR SHOW ME ANY EVIDENCE OF THIS DEBT BEFORE REPORTING IT TO CREDIT AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I found out today, XX/XX/2023 that my credit limit was decreased by 20 % for no good reason. 
I had not been in arrears. 
The old limit was not sufficient and strained cash flow for the small business. 
the limit occurred after I filed a CFPB complaint. 

There should not be retaliatory actions by this organization for filing complaints. 

I at times had thousands of dollars of credit balance for overpayment. 

When I told them I was recording the call where they said they can not find a reason for the decrease, the agent disconnected the call. I have federal and Georgia rights to record a call to which I am a party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank has held XXXX of my credit cards for many years. Chase bank recently closed both credit cards without my knowledge or consent and marked me as deceased and reported my status to the credit bureaus as deceased. As a result, my other creditors have started freezing my credit, and calling to check the status of whether or not, I am deceased, this includes my mortgage, my car payment, and my other credit cards. This has been a nightmare. I sent this to the XXXX XXXX XXXX  and XXXX of their agents called and left me a message stating she was working on it, but the phone number that she left for me to call her back was an incorrect phone number and not XXXX that belongs to Chase, but it is a phone number that belongs to XXXX air-conditioning. I demand Chase update my status from deceased immediately and change the status of my Chase credit cards as XXXX closed per my request. I will never do business with XXXX bank and I will tell everyone I ever meet for the rest of my life what a horrible company this is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
15 USC 1681b, 15 USC 1681 ( a ) ( 1 ) ( 2 ) Permissible Propose... It is a violation for companies and credit bureaus to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or these companies to report anything on my credit report. To continue reporting is Identity theft. Remove these accounts off my credit immediately... XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  # XXXX, XXXX  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 non-monetary relief
Consumer complaint received 2023-09-18 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: DC

Complaint narrative:
I have submitted an application for XXXX through XXXX. I have loans serviced by MOHELA ( XXXX loans ) and Aidvantage ( XXXX loan ). 

MOHELA sent me a letter dated XX/XX/2023 saying I am now in an income-driven repayment ( XXXX ) plan for XXXX of my loans. They say the monthly payment is {$78.00}. That monthly payment relates to a loan I have with XXXX, not with MOHELA. Neither of my monthly MOHELA payments is {$78.00}, nor do they add up to {$78.00}. 

XXXX ) Why is XXXX sending me letters regarding loans they do not service? How did they get that information? 
XXXX ) Are either or both of my MOHELA loans in an income-driven repayment ( XXXX  ) plan? 
XXXX ) Why is MOHELA not communicating with me about the loans I have with them? 

The end of the student loan repayment freeze has been a financial and emotional hardship. MOHELA, XXXX, XXXX, and CFPB have refused/ been unable to communicate clearly or effectively. They are mixing up accounts. Cancel my debt please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AZ

Complaint narrative:
I submitted for XXXX through Mohela on XX/XX/XXXX. I found out that I needed to transfer my loans from my previous loan servicer to XXXX  XXXX which then transferred them to Mohela in XXXX of XXXX. In XXXX or XXXX of XXXX, I was told that XXXX payments had been accepted for PSLF forgiveness. When I contacted Mohela to find out why only payments between XXXX and XXXX were accepted, I was told that they were waiting for more information from the Feds. 

I contacted Mohela at XXXX on XX/XX/XXXX to find out why only payments from XXXX were considered in my forgiveness count when I have verified employment from before XXXX. The representative I spoke with could not figure out why that was either. He told me he was going to put in a request to figure out why no payments before XXXX were considered. He told me to wait XXXX weeks before calling back to check on the status of this request. 

On XX/XX/XXXX, I received a letter from Mohela ( even though I've requested electronic correspondence many times ) essentially informing me that I do indeed have an account with them and that I can check my XXXX  progress on the website. 

On XX/XX/XXXX I called to follow up on my original request since it was NOT addressed in the letter I was sent. I was told to be patient and that some XXXX requests would be fully processed in XXXX and others not until XXXX. 

I have tried to contact Mohela in XXXX and XXXX of this year and have not been able to reach them because of high call volume. They are not a very user friendly company. 

My complaint is that I've submitted all the appropriate paperwork and am still waiting for forgiveness after 18 months. No one seems to be able to answer my questions. I've been paying on my loans since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
New account. It has been placed on a total of three ( 3 ) payment holds already. Each payment hold is a complete account lock-out for a total of twenty-six ( 26 ) business days. I called and spoke with the manager/supervisor over the phone, but the creditor claimed they had noted the concern on my accounts, but it is Capital One 's policy to place a payment hold for twenty-six ( 26 ) business days at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, 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 2023-09-18 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
1. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I started a loan with Mercedes Benz in may of XXXX for a XXXX XXXX XXXX for about {$38000.00} XXXX of XXXX my truck was stolen & never recovered so my insurance company said it was total lost I only owed {$6000.00} on the vehicle XXXX paid Mercedes by sending them a check they kept saying they never received the check so XXXX sent it to Mercedes again now they start to say they received the check but the account number wasnt on it but they clearly knew the check was for me due to my insurance company also the amount. XXXX sent them another check with the account number overnight I was told they received it. But they never stop calling me and harassing and sending me letters saying I owe them money. They did not pay attention or read the notes that the truck been paid off almost 3 months ago they were contacting me about the old checks that had been canceled because they were saying they never received it. I never been late or missed a payment not one time and this had caused issues with my credit report also it has been very stressful and I feel harassed I already lost my vehicle than they put more stress on me I had gap insurance also and they never paid me the money that I was supposed to be issued back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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