vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I am currently on the SAVE plan with loan servicer Mohela, on track for PSLF. I submitted an application to switch from SAVE to IBR using Studentaid.gov and Mohela as acknowledged that my application is in process. Per XXXX XXXX XXXX guidance, I am to be placed in a 60 day processing forbearance that qualifies for PSLF credit. I was told by Mohela reps that since I am already on the SAVE forbearance related to the court injunction, they can not put me in this processing forbearance. That is in direct violation of the rules set by XXXX. See the rules below. I am requesting to be put in processing forbearance immediately. 

Rules : In the coming weeks, XXXX expects servicers to begin processing certain XXXX applications that were paused following court orders affecting the terms and availability of IDR plans. 

Specifically, XXXX will begin processing borrowers applications to enroll in IBR, ICR and PAYE ( received before XX/XX/year> ), and ICR ( received from parent borrowers at any time ).

Servicers will also process applications for recalculations for IBR, ICR, and PAYE. Servicers will have applications in the queue that will take some time to work through. 

Processing for all other applications, including applications for SAVE ( formerly known as REPAYE ) and applications where borrowers selected lowest monthly payment, will remain paused. Borrowers should check back here for updates.

If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
This response by XXXX XXXX XXXX XXXX indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX XXXX XXXX, or my non-public private information, to be furnished or published by XXXX XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, TransUnion, XXXX, XXXX, and others. 

As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within XXXX business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 


See attachment.

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 2024-11-26 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: FL

Complaint narrative:
This response by XXXX XXXX XXXX XXXX indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX XXXX XXXX, or my non-public private information, to be furnished or published by XXXX XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including Experian, XXXX, XXXX, XXXX, and others. 

As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within XXXX business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 


See attachment.

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 2024-11-27 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: TX

Complaint narrative:
On XX/XX/year>, I sent Experian a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Experian XXXX, the inaccurate XXXX Charge off account regarding this complaint XXXX XXXX and postal receipt XXXX XXXX XXXX 

Experian responded to my disputes with their reinvestigation results for my XXXX Submission, Attached, XXXX XXXX. On XX/XX/year>, I responded back to Experian, attached XXXX Experian - Reinvestigation Request and XXXX, requesting a reinvestigation, and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. Also attached, XXXX Experian XXXX, shows delivery. On XX/XX/year> Experian responded with a refusal to process my request stating " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' Experian is in clear violation of the FCRA as they did not provide a description of procedures I requested. Attached XXXX Experian XXXX XXXX XXXX. 

The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Experian and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I also reserve my rights to litigation and will use this CFPB complaint as evidence in a future complaint should this end result not be satisfied.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX 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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a text from XXXX regarding a package being temporarily detained. It wanted me to clear the parcel by confirming the zip code address in the link that was listed below. I clicked on the link thinking it was for a skin care item I recently ordered. I then got a fraud alert text message from Schools First Federal Credit Union and replied valid thinking it didnt recognize me clearing the parcel. This occurred on Friday the XXXX. On Saturday the XXXX I was at the grocery store and my card wouldnt work due to my limit being reached. This was strange because I did not purchase anything that day other than balloons at party city. I looked at my account and all of the money from my XXXX account was taken ( about {$500.00} ) and they also pulled {$3500.00} from my savings account. I locked my card and I called XXXX XXXX immediately and told them the situation. At that time the fraudulent charges were pending. She recognized the XXXX scam right away and locked my card as well as worked with me to file a fraud claim. She stated that the claim was made but since there were so many charges, the last XXXX would have to be added additionally. The schools first representative removed the charges and returned the fraudulent charges back to my account. However, the next day my balance was {$0.00} and the money was removed. I called again the morning of XX/XX/XXXX to ensure that all the charges were put on the claim. He made a statement confirming that all the charges were identified as fraudulent and were added to the claim. From here, he stated we would be contacted in the next XXXX hours. The fraud claim department called me the morning of Tuesday, XX/XX/XXXX and stated that this situation would not qualify for a fraud claim to get my money back since the fraud alert text message was confirmed. How is this possible if schools first is aware that they are fraudulent charges?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
We cancelled our service with XXXX, however they continued to charge for services. The service that they provided was not as advertised which is the reason we cancelled.

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 2024-11-26 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2024-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage is engaging in discriminatory and predatory practices throughout this process. They are denying our request for an FHA assumption loan based solely on a distance of XXXX miles and the size of my current home. The underwriter at Freedom Mortgage is insisting that we sell our existing home in order to secure approval for the FHA assumption loan. Given the health concerns of my wife and daughter, Freedom Mortgage has acknowledged in writing that we intend to make the assumption property our primary residence, as required by FHA guidelines. It is unjust for Freedom Mortgage to compel us to sell my home based on a mere XXXX distance and the size discrepancy between properties. We possess the necessary credit score, financial stability, and income to meet all requirements for the assumption loan. As a XXXX veteran of the XXXX XXXX, I find this treatment particularly disheartening. 

We have dedicated significant time and resources to this process. It is unfair for the underwriter to presume that we intend to utilize this property as an investment, given our understanding of FHA regulations regarding assumption loans. The underwriter 's decision to deny our loan appears to be based solely on the trivial factors of a XXXX distance, the dimensions of our home, and our XXXX background.

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 2024-11-26 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: KS

Complaint narrative:
I have submitted disputes for years & I havent received the accurate results that I deserve. 

No right to accuracy on my report due to payment history dates reported!

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 2024-11-26 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My XXXX credit report currently contains XXXX accounts which are invalid. I have disputed these with XXXX multiple times over the course of the past year. I have explained all pertinent information to XXXX about these accounts to the best of my knowledge. XXXX does not investigate these disputes, XXXX sends an automated generic message reply to every dispute I make for these XXXX invalid accounts. The accounts in question are a XXXX XXXX which has never been opened by me nor do I possess any knowledge of it at all, it is not mine. The XXXX account is a XXXX XXXX which was opened by me in XXXX of 2023 but was never used for any purchases prior to the account grantor Citi, XXXX the account at there own discretion in XXXX of 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 2024-11-27 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I received a phone call from XXXX at XXXX and it was Credit Acceptance. The Representative that was on the line stated that I was behind on my payments of {$1200.00} XXXX and when could I make a payment. As I stated to the Representative that I mailed in my payment of {$1200.00} to the address Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and sent it certified mail as well. The Rep proceed to say if I don't make a payment today that my vehicle is up for repossession. as I stated in my last complaint my contract that I have with credit acceptance was fraud do to the truth and lending act so that would make the contract non and void and per 15 USC 1692e ( 4 ) - FORECLOSURES, REPOSSESIONS, WAGE GARNISHMENT, OR ARRESTS ARE ALL ILLEGAL. ALSO XXXX XXXX. THIS WOULD BE MY SECOND TIME SENDING IN MY MAILED CHECK AND THEY NEVER RECIEVED IT.

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 2024-11-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was exposed to Identity fraud in XXXX so I created a profile with Experian, gathered contact information on the six fraudulent applications from four lenders as well as froze my credit. I recently received an alert through XXXX protection. When I went in to check my Experian profile, I couldn't access due to " incorrect password ''. I called Experian & explained I couldn't access & they stated the account had a different email/phone listed & they would have someone call me back to rectify. I never received a call back. Two days ago I tried to get through their automated service and the prompt stated they see I need to change my password & that an email would be sent to my email on file. I never received the email as it went to the fraud email address. I called over five times today trying to get to a live agent & once the automation allowed access to a real person, I'd explain the issue & they would tell me I need another department just to be put back into the automated system. When Experian allowed a fraudster to gain control of my profile, locking me out, they put my credit at risk as the fraudster can unfreeze & reek havoc.with my credit. Experian even opened credit to the fraudster in my name. I explained this to several of the five employees today to no avail. PLEASE HELP

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 2024-11-26 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: NJ

Complaint narrative:
Im reaching out to dispute an incorrect late payment reported on my account with XXXXXXXX XXXX for XX/XX/year>. Ive always been on time with my payments for this account, and I have never missed or been late with a payment. The report of a late payment is simply not accurate. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the information they report is accurate ( 15 USC 1681e ( b ) ). Reporting this late payment is a clear mistake and a violation of this standard. Additionally, the FCRA ( 15 USC 1681i ) requires credit bureaus to investigate disputes like mine and correct or remove inaccurate information promptly. I request that this account be updated to reflect the correct status as " PAID '' or " PAID AS AGREED '', which is consistent with my payment history. I also ask that you provide an explanation of how the late payment was verified and why it was reported as 30 days past due. If it can not be verified, please remove it from my report immediately. 

This mistake impacts my credit unfairly and does not reflect my actual payment history. I trust you will address this issue promptly and ensure my report is updated to represent my account accurately.

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