vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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:
Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. 
FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX  or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.

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 2024-08-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: WA

Complaint narrative:
I requested to be placed back in administrative forbearance on XX/XX/year> via Mohelas email and by phone on XX/XX/year>. This is because I have already exceeded XXXX payment counts for PSLF. My count is XXXX. I talked with several Mohela representatives on XX/XX/year> and was assured I would be placed back in forbearance. It is now XX/XX/year> and it is showing payments are past due. I asked repeatedly by phone and email to fix this and put my account in administrative forbearance until forgiveness is processed. I do not owe anything at this point. It has been over seven weeks since my original request to be placed back in forbearance and there has been no action. Mohela representatives stated they will place me back in forbearance, but no action on their part in seven weeks. They are deliberately refusing to follow through to cause me financial harm and further distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management 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 XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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:
I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX was an overall XXXX  experience. We had the city of codes deem our unit  unlivable XX/XX/XXXX. They refused to fix the unit for months. The city gave them a deadline to fix the violations ( over XXXX violations ) and they did not do so. We ended up seeking legal help to get out of our lease, and our lawyer also gave them a deadline to resolve the issues or else we were entitled to move. Due to their lack of acknowledgement, we reached an agreement in XX/XX/XXXX, we would have to vacate the property, they keep our deposit + pet deposit and we pay {$1500.00}. That was the final amount all parties agreed upon. Moving forward, we would not owe them anything and they would not ask us for more. All XXXX members living in the dwelling had signed, as well as a member of management. Their funds were dropped off in the form of money order on XX/XX/XXXX before the business day was over. We had already moved and vacated the property by XX/XX/XXXX. We have images of mold growth that affected our health. Attached are urgent care documents supporting XXXX  and XXXX XXXXXXXX  being recommended. Previously I had no XXXX XXXX XXXX XXXX that would lead to XXXX. We requested a mold team be hired. to inspect and we were denied. In addition to the agreement, I have uploaded the Code Violations as well as email exchanges to our lawyer dated from XX/XX/XXXX. There was confirmation during our reinspection in XX/XX/XXXX, only XXXX out of XXXX violations were fixed plus the confirmation of rats was an additional violation added after the fact. We have every single email exchange and bit of documentation from XX/XX/XXXX until the matter was officially resolved XX/XX/XXXX. If further evidence is requested, we would be happy to provide. On XX/XX/XXXX, of XXXX. I was notified that I had owed a debt to XXXX XXXX XXXX for an amount of {$1000.00}. When reviewing it through one of the credit bureaus, it said this credit had begun on XX/XX/XXXX of XXXX and it was Delinquent by XX/XX/XXXX. In late XX/XX/XXXX, we tried to reach out to XXXX XXXX, but all workers that were present during our lease has been ( conveniently ) let go or no longer works there. Besides, XXXX, the very man I gave the last owed money ( {$1500.00} ) as provided in the " AGREEMENT TO VACATE '', in form of a money order ( XXXX  ), on XX/XX/XXXX before XXXX. He works there and they refused to let us speak to a XXXX XXXX. The current people who work there now are XXXX, XXXX and XXXX and they provided no help. 

This Credit has begun almost 2 years after we had settled to vacate from this apartment complex, with all dues paid. These dues were agreed upon by our lawyer and their legal team and we have all the documents to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had Well Fargo for Lender since XXXX  till XXXX, they charge me for many things in my mortgage statement every month., recently the contact me they Well Fargo., the I was enrolled in product the I never authorized. I QUESTION THAT BEFORE BACK XXXX, Because I know some tings was wrong was stress, frustration single mom trying every month to make this payment., CUSTOMER SERVICE WAS NOT NICE TO ANWSWER ANY QUESTIONS.

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 2024-08-29 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: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-29 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: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-29 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My financial hardship started in XX/XX/XXXX when I losted my full-time job. Reduction in hours with my second job ( XXXX ). In addition Reduction in XXXX award amounts which affected me financially. I was look forward to filing my XXXX XXXX XXXX to receive disappointing news that my tax return was being garnished. Each financial situation I was faced with I made sure to contact my Financial Institution to make them aware. It's very unfortunate the outcome wasn't pleasant it was more demeaning. Navy Federal has helped me prior however the resolution I was provided wasn't achievable because I was bad to where I started. No type of options where provided. I also have a credit card with Navy. The representative did not take into account include that account. My account ended being closed out. I contacted Navy trying to get it resolved. What I've come to realize with Navy there's no type of accountability. It falls back onto the member. Which is very unfortunate. I've asked would they be interested in deferring my past due payments, lowering my interest rate which would than reduce my monthly payments. I was denied. My main goal is trying to prevent my vehicle from being repossessed and my credit card from being charged off. I feel since I've experienced a hardship and haven't been able to get back on track the same type of service I was receiving when I had excellent credit has changed drastically. I've written to their Corporate office. I haven't received a called. I was just recently told by a supervisor that if Navy complied with my requests it would affect there Truth in Lending Laws. I was mind blown. I though I mattered. I took it personally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Experian Information Solutions Inc.
State: NY

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 2024-08-29 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
My credit card and driver licenses was stolen and used without my authorization. Also was new accounts and loans was opened fraudulently.

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 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I came in wondering about how financing worked when buying an item at Best Buy. When I asked about it, I was aware that I would need to apply and get approved, but the worker at Best Buy told me we could check what my limit would be without actually going through with the process. At the end of it, he told me that the card would arrive in a couple weeks. I told him I wasnt aware we were going through with actually getting the card and he said sorry I must have misunderstood. He was aware I just wanted to check and not get the credit card its self. I also was not made aware of the interest of the card or handed any material with 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 2024-08-29 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: MA

Complaint narrative:
There is a XXXX XXXX. on my Experian credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with Experian, there system tries to tell that the account is called XXXX XXXX XXXX. Pease remove the XXXX XXXX from my credit profile.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-29 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: IN

Complaint narrative:
I am the victim of Identity Theft and Bank Fraud. I tried to open an account with Experian to put a freeze on my Credit Report and review it, but someone has already fraudulently opened an account with my information. I have tried to contact them but there is no option on line or with their automated phone system to fix the fraudulent account that has been established with Experian, and there is no option to speak with a real person to explain the situation.

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