vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: MD

Complaint narrative:
This company XXXX XXXXXXXX XXXX still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.

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 2023-10-12 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: OH

Complaint narrative:
XXXX XXXXXXXX updated their system and my minimum payment changed, but my auto payment was never adjusted on their end. I had set up my payment to take the minimum due, so that it was never late. They never contacted me and continued to report me late and charge me late fees and interest. I pay my accounts and have them all set up on auto and I am never late. My wife tried repeated times to discuss and get this fixed and they are reporting on me and my wife as being late XXXX days XXXX through XXXX. I am going to seek Attorney counsel and legal action if this does not get resolved on both our credit reporting. My wifed has called several times because I work late and I have given them permission to speak to her on my behalf and they refuse to resolve.

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 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Informed the company that account was open fraudulently and they still will not take off my credit teport

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 2023-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I attended a XXXX XXXX ( first name was XXXX  XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Repeated calls from Portfoliorecovery and even when I answer and tell them I am not who they are calling for, they just say thank you and hang up and then call back from a different phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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:
Company is reporting late payments on my credit report. Which is in violation of my rights. This is negatively impacting my credit score I am unable to purchase a home because of this. I need the late payments removed from my credit profile asap.

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 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
Credit Cards were open from XX/XX/2013 until present day. Amounts range from the amount of XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

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 XXXX and 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 explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have tried several times to get this bankruptcy remove from my credit report. The information is not accurate and therefore it should be removed. XXXX removed the bankruptcy from their information because they didn't verify that the information was correct and thats where the bureau. 15 USC1681a ( 4 ) states there is a need to insure that consumer reporting agency exercise their grave responsibiles with fairness impartiality, and a respect for the consumer 's right to privacy. the courthouse has said that they don't give the information to third parties. I have provided the information to all parties. Also 15 USC 1681i ( 7 ) let 's me know that you are conspiring with the CRA 's against me and my rights. 18 USC 242. Also on my credit report all three bureaus are not reporting the same thing correct. This is not fair and I would like to this information to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ivy Street Development Corp.
State: NY

Complaint narrative:
After being ignored by XXXX XXXX XXXX XXXX about my bill being incorrect they very quickly gave my bill that I was still disputing to this company. I explained to them the situation, they offered no help or information on how to help get this bill taken care of. 
I was never seen at XXXX XXXX XXXX XXXX, this bill is false. I called XXXX and they agreed that it was incorrect and then stopped responding to me.

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 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I paid off synchrony financial and my credit score went down I didn't have they funds at the time but paid off the debt XX/XX/20XX/XX/2021

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
XXXX XXXX offered a promotion of {$300.00} to open account and make TOTAL qualifying direct deposits of {$300.00} or more per month. The XXXX was to paid 45 days after the qualifying period ended on XX/XX/31. I deposited {$170.00} from my paycheck every pay period which totaled {$350.00} per month. They did not credit my account for the bonus amount. Statement attached along with promo terms emailed to me from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I completed my XXXX XXXX on XX/XX/2023 and it was processed and sent to Nelnet for review on XX/XX/2023. I have called several times and they still say that it is still being reviewed. They can never give me a timeframe and while they delay my interests continue to go up. I do not feel I should change money for Nelnet to review my application. They had over XXXX years to fix their problem and they have not done anything. Please help and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
REMOVAL OF THE FRAUD ALERTS and SECURITY FREEZE on my personal credit file and to update my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
About a month ago, I was looking at my XXXX Performance Savings Account online at CapitalOne.com and I noticed that the " Available Balance '' was a little over {$10000.00} less that the running balance next to my last transaction. Normally, these numbers are the same, unless there is a large transaction that has not cleared. This was not the case, so I called the bank and was told this was nothing to worry about, it was just an error in displaying the information correctly. Today, a month later, my account has the same problem. This concerns me as a former XXXX XXXX because it either indicates that the bank has been hacked or their IT staff is incompetent and have no idea what they are doing. Neither scenario is a good one. I am contemplating withdrawing all money from this bank and moving it to one that takes their online presence seriously. The website gives no email address for complaints, only the telephone number that I already used. I would appreciate it if you could contact someone at a more senior level and make them aware of this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-12 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: FL

Complaint narrative:
I was told by Dept of Ed on XX/XX/XXXX to apply for the new XXXX XXXX. I applied on XX/XX/XXXX, and then logged in to Mohela to see I already had a payment plan in the system ( which was not the case before ). I called Mohela on XX/XX/XXXX to cancel the new IDR payment plan request. I was told by the rep that I wouldn't need to pick a new plan until XXXX. I called back on XX/XX/XXXX to confirm the new payment plan would be cancelled, and I was told yes. 

XXXX XXXX I got an email from Mohela that some of my loans were in administrative forbearance - I did not ask for this. I called several times to find out why, as I would like to repay ALL of my loans not just some, and was not able to reach anyone. 

When I logged into my Mohela account on XXXX I see that my payment amount is now double the cost of what it was last month. A surprise increase by XXXX XXXX dollars. I called Mohela several times this week and did not get through until yesterday, XX/XX/XXXX. I was on the phone with the rep who said she was going to have a supervisor review my account. I was told to continue holding. After XXXX minutes, the rep hung up on me. I know for a fact she hung up because the phone was on speaker and resting on my desk, I did not touch it at all. The rep said during our call that she would call me back if we got disconnected, but she never did, so she 100 % purposefully disconnected. I did some research and I am far from the only one that Mohela has hung up on.

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