vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MD

Complaint narrative:
have sent multiple previous messages to Mohela for forbearance to be lifted. I need forbearance lifted immediately. I also need the income verification form that I sent in on XX/XX/XXXX with an Adjusted gross income of $ XXXX to be applied ASAP. As stated previously my employer is preparing to make a lump payment of $ XXXX to Mohela. On the XX/XX/XXXX income recert it says my estimated payment is {$130.00}. That will be 14 months of payments as long as they are counted as eligible and only if the payment is recalculated and forbearance is lifted. I have done everything on my end. I called and spoke to a REP on XX/XX/XXXX and they said they are working hard on it. I should not be penalized because Mohela is backlogged. I have submitted all the right paperwork and have done my due diligence in following up. I have asked and will continue to ask for the income to be recalculated and forbearance lifted. I need the $ XXXX applied as eligible payments towards PSLF and counted for XXXX future payments. I have also submitted an employer recert over a month ago with no movement.I spoke to XXXX XXXX employee # XXXX. She said the forbearance would be lifted. A removal request is being applied on XX/XX/XXXX. She could not say how long it will take for it to be lifted but could be as long as 71 days. I stressed that my government employer is processing to send a payment out. I explained that it is a county government and the payments send automatically and I can not control when they are sent. I really need forbearance lifted and my income recalculated. My goal again that my XXXX plan payment of {$130.00} takes affect and that forbearance is lifted so the $ XXXX payment from my employer satisifies 12 months of payments in PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX I have disputed this item with you guys and the only credit bureau that have not removed. It is Trans Union This account keeps showing up as a charge off when it was paid, and several inquiries that keep popping up on my account that I have no knowledge of, and I would like the incorrect information to be removed 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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm asking to fix the disputed items on my credit report, as attempts to verify with the furnisher of information have failed. Credit bureaus must legally update my accounts, but despite disputing and sending letters, the inaccurate information remains uncorrected, violating FCRA provisions. I'm not requesting an investigation ; I demand the entry be corrected entirely, as there's no proof of its existence and the reported information is not verifiable.

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 2024-02-12 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: LA

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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fix the mistake on my credit report for XXXX XXXXL within 10 days, or I'll file a complaint with the FTC. Respond within 15 days as required by law, or you may face fines up to {$1000.00}. Don't make me escalate this comply with my request to avoid further action.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was I XXXX  from XX/XX/XXXX to XX/XX/XXXX. Credit cards were open in my name, as well as several inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm seeking your assistance to address identity theft-related issues on my credit report. Despite reporting the problem to authorities and resolving it with other creditors, the XXXX XXXX account is still listed on your bureau, negatively impacting my credit score. I appreciate your help in investigating and removing this account, and I look forward to receiving written confirmation of the resolution. Thank you for your prompt attention to this matter.

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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company that bought my account was charged all kind interest rates XXXX XXXX {$1000.00} another XXXXXXXX XXXX XXXXXXXX my balance was {$97.00} XX/XX/XXXX was paying {$10.00} a month next bill was {$300.00} but payment was automatic from bank.They stopped I didnt break my agreement they didnt. Another account XXXX XXXXXXXX {$87.00} XX/XX/XXXX jump to {$290.00} keep going XXXX XXXXXXXX was {$100.00} XX/XX/XXXX it bump because of interest {$310.00}. Thinking that it was paid in and out hospital. XXXX coming from by bank still with same bank. Trying to get car realized this.Yes I said thats not me because in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew I didnt owe that but was its interest a late fees all continue get monthy payment. What I owe should have been paid by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I received an alert from my bank saying a collection had been added to my credit report which surprised me because I haven't missed any payments on anything. 

When I checked my credit report, there was a collection for an account from original creditor XXXX XXXX for an astounding {$14000.00}. I have never had any mobile devices with XXXX and have no idea what that sum of money is related to. Also from a state I've never resided in. 

I have contacted the current debt collector, SEQUIUM ASSET SOLUTIONS INC, to dispute but have not received any response at all. 

I also disputed it on all three credit bureaus. XXXX and XXXX both removed it from my credit report but XXXX are saying it's accurate and won't remove it. Now I can't request any additional info from XXXX ; they're saying I have to snail mail a request or call during business hours which is when I work. 

This is significantly damaging my credit and I have never received ANY notices in the mail about any debt until I got alerted from my own bank that something was added to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.

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 2024-02-12 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I did a balance transfer and spoke with a representative because there was concern with how the balance transfer amounts online did not show what was showing on the statements ; therefore if you did not keep up with it and went off the website verses the statement you will be surprised. Representative confirmed the amounts owed for XXXX - XXXX balance interest XXXX by XX/XX/XXXX ( more than the XXXX showing online ), and XXXX - XXXX balance interest XXXX by XX/XX/XXXX. On XX/XX/XXXX, paid XXXX ; XX/XX/XXXX I paid {$1700.00}, and on XX/XX/XXXX {$150.00}, and XX/XX/XXXX XXXX. Fast forward, I was reviewing the statements and I see the XXXX had a balance of XXXX, and I had paid over the amount due, so why is there a balance? I contacted Citi because I was unable to do a dispute online, and spoke with Representative ( XXXX ) ; the XXXX one was horrible, requested a supervisor and she place me on a long hold. I used my landline to call back and spoke with another Rep who was trying to say I had to make a payment before paying the balance transfer. I provided the dates of payments and he apologized and said he would have it corrected to show the XXXX XXXX paid in full. I go look today and it shows a balance still and I was charged again interest for something that should be a XXXX balance. I want this corrected as I paid more than what was required to show a XXXX balance, and to date it still shows it is not.. I held my end of the deal you would think they would too.

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 2024-02-12 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : 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 2024-02-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 2024-02-12 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: CT

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$17000.00}

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 2024-02-12 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: AZ

Complaint narrative:
I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. 
In accordance with the Fair Credit Reporting Act These accounts have violated my rights : 1. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ). I submitted the identity theft reports related to these two inquiries on my credit report. I also contacted these creditors to let them know that I did not authorize these inquiries on my credit report.

It is important to note that I received two letters from Equifax stating that the inquiry from XXXX XXXX XXXX was removed before but, it is still showing on my report. This inquiry also has been in dispute for more than seven months.

I'm requesting that these inquiries be removed from my credit report. Please send me proof that I authorized these inquiries in case you refuse to remove them.

615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against a debt collector ( NELNET ) who has failed to provide me with sufficient proof of the alleged debt they are attempting to collect. Despite multiple requests, they have not provided any documentation or verification of the debt, which is in violation of the Fair Debt Collection Practices Act. This lack of transparency is causing undue stress and uncertainty for me, and I request your assistance in addressing this issue promptly. Thank you.

Company response to consumer: Closed with explanation