vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OK

Complaint narrative:
MOHELA states on their website " XXXX XXXX Interest Rate Your interest rate is XXXX XXXX from XX/XX/XXXX through XXXX XXXX, XXXX. 
Payments made on or after XX/XX/XXXX were automatically adjusted. 
Payments are applied first towards the interest accrued prior to XX/XX/XXXX. The remainder is applied to the principal balance. '' On XX/XX/XXXX, I noticed XXXX XXXX interest started being charged on XXXX of my loans with MOHELA. I do not know the exact date the interest began. I have been trying to contact customer service as to why my loan is being charged XXXX XXXX interest when the XXXX XXXX interest rate and payment pause are to continue until XX/XX/XXXX. My loans remain in forbearance ; however, they have started charging interest. 

I recently completed a military assignment, which qualified me for XXXX benefits ( lowering of interest to XXXX XXXX ) ; however, there was no necessary adjustment since interest was already at XXXX XXXX. MOHELA has notified me of the end of my XXXX benefits via letters this week, but the end/beginning of XXXX benefits should have no effect during this interest/payment pause. MOHELA has not responded to my request on XX/XX/XXXX wherein I asked for the reason for the interest charge and asked for it to be refunded to me. Interest continues to accrue daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and noticed a new fraudulent account. XXXX and Equifax are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. 

Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The Navy Federal member deals portal had a promotion where new XXXX drivers would receive XXXX rewards points to their 'More Rewards XXXX XXXX XXXX card after signup and XXXX completed delivery. I completed this offer around the XXXX of XXXX, but received no rewards points. On our around the XXXX of XXXX, I reached out to Navy Federal over the phone, and was transferred to different departments before I was told further documentation would need to be provided. I was told that I would receive a call back within XXXX business days, but never received said call. 

On the XXXX of XXXX, I received a message in the Navy Federal app asking me to attach supporting documents to assist in the case. I provided bank statements showing the initial deposit from XXXX, the XXXX welcome emails, copies of the background check used by a XXXX affiliate, and so on. On the XXXX of XXXX, I received the same automated message, asking again for the same information which had already been provided. 

As of today, XX/XX/XXXX, I have still not received the rewards points or any further correspondence. I have spent over XXXX hours on the phone with the different Navy Federal departments, and spent even more time going out of my way to gather the information they requested. I completed the promotion in it's entirety through the Navy Federal portal, and have provided more than enough information for this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/2021 the account was purchased by Portfolio Recovery XX/XX/2021 the account was reported to credit bureaus FCRA Violations 1. PRA contacted my by phone from their VA office and is not licensed to collect a debt in VA or Illinois.

2. PRA reported the debt to my credit report 4 days after the purchase from XXXX  XXXX and did not send verification of the debt. 
3. I was not given the proper amount of time to dispute the debt and the debt was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, It is my right to have a fair, and correct credit report across all three bureaus. I've requested my accounts to be placed under investigation under all three bureaus and there are so many inaccuracies across the board, yet they keep coming back verified. 
I am being charged off for dead accounts damaging my XXXX some accounts are not matching across the board. Dates are incorrect across the board. Charged off accounts are not showing zero balances that have been turned over to a collection agency. The debt collector can not update lates on a monthly basis. Reporting the debt as revolving, which is not only inaccurate but it's causing my credit score to decrease. 
According to the FCRA, section 623 a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a letter to Experian, XXXX and XXXX on XX/XX/XXXX. It been well over XXXX XXXX, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have XXXX XXXX to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage XXXX XXXX  XXXX {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXXXXXX XXXX XXXX Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX  XXXX  XXXX Balance details XXXX XXXX paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX XXXX XXXXXXXX Balance details XXXX XXXX  paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/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 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
First, I was told the branch in XXXX was closing and the XXXX location was taking over that locations loans. I learned later that this is not the case. 

I was not shown the interest rate at the time I moved the loan to XXXX Texas. 

I am currently behind one payment and unable to have an adult conversation on payment arrangements as I go back to work, 1 ) each conversation turns to the Title Max workers telling me in different ways that my car is going to be repossessed. 2 ) about 11 days ago, I called the XXXX branch to inquire if my loan can be moved to their branch. I was told In order to move your loan here, you need an income of {$9000.00} a month, also, XXXX. XXXX wanted me to tell you theyre coming to get your car and will have it in a few days. 

This last statement came after I informed them Id like to make arrangements on the payment I owe. 

I also called the Titlemax corporate line and asked if there was anyone I can speak to on a corporate level, that wont answer my question What are my options with ( Titlemax answer ) Youre at risk for repo and tow trucks have the technology to find you in any parking lot. 

As I spoke to someone in XXXX, they again dont acknowledge what Im saying and turn it into fitting their narrative of threatening comments, this is after I was transferred from a corporate rep and released the call stating Im going to realease the call, I havent heard any threats. 

Obviously, because the threats and harassment happened prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXK Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX 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 non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and noticed an unauthorized account I dont recognize

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and noticed an unauthorized account I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and noticed an unauthorized account I dont recognize

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 2022

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 2022

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX. It been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX Credit usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/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