vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
According to the Family education and privacy act of 1974, I have a right to privacy from educational institutions and financial institutions. I have never given my written consent to Mohela to furnish any of this information. Mohela is also a 3rd party collector that I have no agreement, contract or consent to be in a binding financial relationship with. 


On XX/XX/XXXX Mohela was transferred into my domain as a student loan servicer that I never consented to. Mohela has been reporting negative experiences on these accounts causing adverse effects of my credit reports. 15 USC 1681 tells me that late payments are experiences not to be included in my credit report. Additionally, Mohela never sent me a 21 day notice of these " late payments '' and if they would have verified the information with the consumer they are reporting on, me, they would know that these late payments are inaccurate, a violation of the FCRA and FDCPA. 

On XX/XX/XXXX they reported an added balance of ~ XXXX XXXXXXXX to XXXX which caused my score to drop XXXX XXXX. These new balances that shouldn't even be accumulating were reported on XX/XX/XXXX. These loans are being actively investigated and should have not been reported on at all. 

I have been denied loans, credit and more because of Mohela reporting information they have no right to be reporting. I will be seeking monetary litigation for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called 15+ times, spent hours just asking them to give me my XXXX XXXX XXXX flyer account number that Chase assigned to me and where they transferred miles. They have no record, and no one was able to provide me the number. 

XXXX XXXX says they have no account with my name or no record of Chase sending my miles. 

For recent enquiries, they say now since they closed the account, they can not look up the account. My initial calls were while the account is still active. 

It is ridiculous for a financial company simply saying they transferred miles but can't tell which account they transferred or no trail. Do they accept if the customer says I made a payment, but I can not show trail or proof. 

I am attaching the scanned communication and relevant documentation and their latest unrelated response to my question here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXXXXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

XXXX. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under sectio

n 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 explanation
Consumer complaint received 2022-10-08 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-10-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have paid 20 % of my loan and owe just over 50 % of my house value. Still the mortgage company refuses to remove my PMI. I need to get Mr. Cooper to remove my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Incorrect information on my account. Account claims I had XXXX late payments on a WELLS FARGO BANK AUTO XXXX XXXX, XXXX, and XXXX of XXXX. And XX/XX/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 2022-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I was contacted by AWA COLLECTIONS by mail on XX/XX/XXXX, about a collection account for Cord Blood Registry. The letter was addressed to XXXX XXXX XXXX XXXX. That is not me. 
AWA COLLECTIONS violated my consumer rights. I responded via certified letter listing the US Codes that where violated, as well as an invoice for the multiple violations.

Pursuant to 15 US Code 1692b ( 2 ) this code was violated due to the fact that I live in Tennessee and they are contacting me from Concord CA. AWA COLLECTIONS has provided no proof that they have any rights to collect on any debt in the state of TN. Pursuant to 15 US Code 1692g ( a ) the debt was not validated. Pursuant to 15 US Code 1692c ( a ) I did not give prior consent or AWA COLLECTIONS does not have express consent permission of a court of competent jurisdiction to have any communication with me. Pursuant to 15 US Code 1692d ( 2 ) AWA COLLECTIONS used obscene language in the letter sent to my home. 
AWA COLLECTIONS responded to my letter on XX/XX/XXXX with account statements from XXXX XXXX XXXX for account number XXXX from XX/XX/XXXX. They never responded to the invoice that was sent along with the letter. 
I have NEVER had any business and I have don't contracts with this company. 
I'm curious to know how they obtained my name and my current home address. 
This is identity theft. I have never given them permission to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Comenity Bank ( now Bread Financial ) supposedly had issues with their system upgrade starting back around XXXX or XXXX of XXXX When I tried to log on and pay my bill in XXXX I discovered the issues, which the company readily admitted through social media posts and comments to customer complaints listed there. I was finally able to log on and made a minimum payment. My account has always been in good standing. However, in XXXX this company hard-pulled my credit WITHOUT MY PERMISSION and NOT PER MY REQUEST. I decided at that time I might be in danger of identity theft and placed a credit freeze through XXXX, paid off the entire Comenity Balance and closed that account. Though the company did send a physical letter to my home address stating the account was closed and they would report to the credit bureaus, they have not done so now close to three months later. Not only does this account still show as open on my credit report, it shows that I owe a balance. This company also tried to charge me interest and late charges when the pay-off was made well before the due date and never been late. I did finally get them to refund those charges. Today I called again and asked why they are showing this as an open account and with a balance. I could not get a straight answer as to when it will be removed on my credit report, and these are unfair, corrupt and possibly illegal credit reporting practices.

Company response to consumer: Closed with monetary relief