vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
The date of the opened date needs to show XXXX on my credit report and they are stating a start date in XXXX which is incorrect. They need to correct the date to XXXX which is when the below fraud started with this company that no one seems to put a stop to so they do not continue scamming people. My original story is below. 

I Started with freedom debt relief XXXX XXXX years ago in XXXX I enroll XXXX XXXX accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining XXXX accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost XXXX years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found consolidation plus and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.

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 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have an outstanding balance with Sun Loan Company and yes I know it is a debt to be paid. It is hard to deal with these companies because even if you call to explain what is going on they do not always want to work with the client. I had a big cut in pay with the changing of employment so I got behind on bills. I handle my own bills ; pay my own bills. This company is now calling family members which I did not list on my contact list at all. I want this company to stop harrassing my family members and me about this debt. This debt has already been listed as a charge-off. The number that has been calling is listed as XXXX. Please help anyway possible to keep this company or the company that purchased my debt harrassing anyone either than myself. They said they would be contacting all people listed on my profile. What does that even mean? My profile from where online? This is embarrassing and I believe illegal for a debt collector to be even doing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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.
State: IL

Complaint narrative:
There are billing mistakes on my credit report, specifically late payments that don't reflect my usual payment behavior. Kindly fix these errors and update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed these fraudulent accounts and requested for the accounts to be removed. Transunion have yet to do so. I am a victim of identity theft and have submitted requested documents multiple times to the company, but every time I call for an update Im told that they have nothing on file for me. Transunion continue to send automated generated letters stating the accounts was verified, Its no way a fraudulent account could have been verified. Im requesting for the company to remove the accounts listed in my attached letter.

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 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My ssn was leaked and I don't know who's using my information. I was notified that over billions of american 's ssn, personal information was leaked. I've noticed that it's so many things on my credit that I have no Idea of. Code 15 usc 1631 clearly states that this should not happen. And not that it has my credit is now destroyed. I can do anything that I want to do because I now have below bad credit. 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Unauthorized accounts seem to have been added to my credit report, possibly from identity theft, and I want them removed.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are inaccuracies on my credit report related to 15 USC 16c-2. The inquiries werent authorized by me and are impacting my credit negatively. Please remove all unauthorized inquiries. Thanks!

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 2024-10-17 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: SC

Complaint narrative:
I told Experian, XXXX, and XXXX to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 2024-10-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: AZ

Complaint narrative:
MOHELA failure to process XXXX application MOHELA failure to process XXXX IDR application in timely manner. MOHELA failure to place on interest-free processing forbearance, as instructed by the US Department of Education , after XXXX ( and not processing the XXXX IDR Application within 60 days ). Incorrect account balance due to loan accruing interest in error after XXXX due to MOHELA 's failure to process IDR application within 60 days. US Education Secretary XXXX has indicated these IDR applications should be processed within 4 weeks. This IDR application should have been processed in XX/XX/year>2024. Loan should be placed into processing forbearance XXXX due to MOHELA failing to process IDR application within 60 days. Loan balance needs to be corrected as should have not been accruing interest since XXXX. Any and all responses aside " Processing forbearance has been placed on loan as of XXXX, processing of loan in Save IDR, account & interest balances has been corrected '' will be rejected. A MOHELA response of " This will be escalated '' will be rejected ( MOHELA likes to reply " We will escalate '' ... .but actually does nothing ). Many attempts have been made the past 8 months to resolve. MOHELA has continually lied and deceived myself and borrowers over & over again with their call deflections, made up timelines and phony escalations where they proceed to do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 2024-10-17 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: DE

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. 

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 XXXXXX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-17 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: GA

Complaint narrative:
I have contacted all three credit bureaus regarding these late payments, and they have all sent back letters stating that the account has been verified. I have had each of these accounts for some time now and I do not understand how they are reporting these late payments suddenly. 
Due to the law that the FCRA has put into place such as 15 U.S. Code 1666b ( TILA ) : A creditor can not treat a payment as late if it was made by the due date. 
15 U.S. Code 1681e ( b ) and 1681s-2 ( FCRA ) : These sections require that only accurate information is reported to credit bureaus and that errors are corrected. 
These laws work together to ensure that late payments are only reported if they are legitimate and that any errors in reporting are corrected promptly. 

I was never late, I am not sure if they had some type of system failure or what

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
I have contacted all three credit bureaus regarding these late payments, and they have all sent back letters stating that the account has been verified. I have had each of these accounts for some time now and I do not understand how they are reporting these late payments suddenly. 
Due to the law that the FCRA has put into place such as 15 U.S. Code 1666b ( TILA ) : A creditor can not treat a payment as late if it was made by the due date. 
15 U.S. Code 1681e ( b ) and 1681s-2 ( FCRA ) : These sections require that only accurate information is reported to credit bureaus and that errors are corrected. 
These laws work together to ensure that late payments are only reported if they are legitimate and that any errors in reporting are corrected promptly. 

I was never late, I am not sure if they had some type of system failure or what

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 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Nelnet, my student loan servicer, regarding their refusal to provide necessary documentation for my ongoing XXXX XXXX bankruptcy case in Oregon. 

Over the past nine months, I have made multiple attempts to obtain a specific letter from Nelnet stating that I do not have to make payments on my Parent PLUS loan until 2027. This letter is required by the judge in my Oregon bankruptcy case. Despite my persistent efforts, Nelnet has consistently failed to provide this crucial documentation. 

Key points of my complaint : 1. I have spoken with six different Nelnet agents over nine months. Five of these agents stated they can not write special letters and only use templates. One agent initially agreed to provide the letter but later retracted, claiming the previous agent made a mistake. 
2. My attorney has sent a written request to Nelnet, which they have confirmed receiving. However, they still refuse to provide the required letter. 
3. Nelnet insists that no one in their organization can generate anything other than template letters. They claim that a loan mortgage summary has always been sufficient in bankruptcy cases, stating, " There has never been anything else provided in these situations. '' 4. While this may be acceptable in other states, the judge in Oregon specifically requires a letter confirming that I do not have to pay the student loan through the bankruptcy. 
5. Nelnet acknowledges that I do not owe anything until 2027 but refuses to provide this information in the format required by the court. 
6. Nelnet representatives have flat out refused to provide the required documentation, citing that they are " bound by federal student loan restrictions. '' 7. Nelnet 's refusal to provide this documentation is causing significant hardship in my bankruptcy proceedings and directly affecting my monthly payments to the trustee. Because this Parent Plus loan was included in my XXXX XXXX, my trustee payments are {$1900.00} a month. Without this Parent Plus loan, which I have 20 years to pay, my trustee payments would be {$380.00}. 

I am requesting that the CFPB intervene and require Nelnet to provide the necessary documentation for my bankruptcy case. Specifically, I need a letter stating that Nelnet agrees I do not have to pay the student loan through the bankruptcy, signed by a human representative. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have tried 3 separate times to make payments to Aidvantage for my loan. All three times payment was " processed '' and days later appeared as " reversed ''. When contacting their costumer service they keep stating that my account number is incorrect. 

I have verified with the bank that the account number is correct and that there have been no requests for payments on behalf of Aidvantage. Interest rates have been collecting on the account with no response from the company on how to solve this issue other than saying " incorrect account number ''. 

I then contacted the Federal Student Aid Information Center, who replied with the same letter that Aidvantage had sent earlier.

Company response to consumer: Closed with explanation