vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MOHELA
State: MA

Complaint narrative:
I received notification from MOHELA that my student loans were put into a forbearance on XXXX XXXX, XXXX as a result of the XXXX injunction. In the letter from MOHELA it stated, We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least XXXX  days before your next monthly payment is due. XXXX days later, on XXXX XXXX, XXXX, I received billing due date for XXXX XXXX, XXXX without any notification about the forbearance ending. It is XX/XX/XXXX and I still have not received notification that the forbearance has ended. 

I currently have my loans pending for the XXXX program and should not be receiving any bills during the injunction. 

When I have attempted to connect with a MOHELA representative over the phone, the auto-recording states, " for borrowers with pending XXXX applications and borrowers enrolled in the XXXX plan, MOHELA is working to place your account into a forbearance. Placing you into a forbearance will take time and we will notify you once this has been completed. In the meantime, you may receive notices from us regarding making your monthly payment. Please disregard those. '' My account says that I am currently past due on payments and have over {$1700.00} due in XXXX. This is not a doable amount for me to pay. I am a non-profit employee and this is nearly 50 % of my monthly income. 

I have been enrolled in XXXX and have XXXX payments remaining until I have completed my XXXX payments. 

Via email, I have asked MOHELA to respond to the following questions : XXXX. Has my forbearance ended? 
XXXX. Do I currently have a balance on my account that needs to be paid? 
XXXX. Will my XXXX eligibility be impacted by this past due payment? 

I have tried calling and discussing with a MOHELA representative multiple times now and can not get in touch with a representative. XXXX time I waited XXXX hours to talk to a representative, connected with a person who confirmed my contact information and then asked to transfer me to another person. When transferred, I was told this wait time would be another XXXX hour wait. This is unreasonable. I am doing everything in my power to manage my student loan payments appropriately, but this system is ineffective for allowing me to manage my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX  on XXXX XXXX money was taken out when I did not approve of it I notified them by via chat multiple times and nothing happened. 
XXXX I could not return money that I have sent out to the wrong person off of Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-31 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: CA

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA XXXX this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXXXXXX

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 2025-01-31 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: LEXISNEXIS
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested multiple investigations on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX for unauthorized inquires on my credit report to Experian, however Experian has failed to properly investigate these inquiries, as they still remain on my credit profile. I have not been sent any proof of these inquires being accurate as I requested. Please reinvestigate this matter and provide proof of accuracy or remove these unauthorized inquires from my Experian 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 explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am writing to formally notify you of your failure to comply with the relevant duties and responsibilities, specifically in relation to the negligence outlined in Section 16810 of the Civil Code.I am writing regarding incorrect items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of XXXX XXXX as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
This company sold my account after stating it was a charge account. Having a third party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any third parties to get a copy of my credit report. This was done illegally according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: BANK OZK
State: AR

Complaint narrative:
On XX/XX/XXXX, I was told that I had a fraudulent XXXX account in my name. I called a number that was supposed to be XXXX to get the account deleted. Instead of being XXXX, it was a scammer. While on the phone with the scammer, he was able to hack into my phone and get into my bank account and take approximately {$950.00}. {$450.00} was taken from XXXX, which XXXX refunded after they saw that it was an unauthorized transaction. Another {$450.00} was taken straight from a business account with the bank that I was in the process of closing and had XXXX cents in, by going through a company called XXXX that he some how linked to my account. 
I went to the bank immediately afterwards to report a fraud. I filed the complaint that day at a local branch of my Bank, Bank OZK, where the bank employee said a complaint would be filed. Approximately XXXX weeks went by with no answer so I again contacted my bank. She said the case had been closed stating that I had " voluntarily '' given the scammer access to my account. I went through the process XXXX more times, contacting different employees at the Bank OZK telling them that I had not given the scammer authorization the take the money from my account. After the third time, it seemed that the bank was going to do a proper investigation into my fraud case, and they even issued a provisional credit to my account in the amount of {$450.00}. 
On XX/XX/XXXX, the bank resinded the provisional credit with no prior notice. When I contacted the bank on XX/XX/XXXX, I was told again that the fraud case had been closed and that it was unfounded because I had " voluntarily '' given the scammer my information. I did not give the scammer authorization to take the money from my accounts, as I was attempting to close a fraud XXXX account. 
This was an obvious scam commited against me, and I feel the bank blamed me for what happened and didnt even attempt to perform a complete investigation. How many other people have gone through this experience only to be given the impression by the bank that its is all there fault and they are just lost the money. This feels like insult to injury on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Checking and Savings accounts with XXXX XXXX  were hacked and the hacker attempted to send Zelle payments to themselves on XXXX different occasions. These accounts were hacked XXXX  times in XXXX  days ... ... From research I have learned this is a problem with many banks with a relationship with Zelle. Why is more not being done to help the consumer with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This company sold my account after stating it was a charge account. Having a third party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any third parties to get a copy of my credit report. This was done illegally according to the law.

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 2025-01-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/24 Account # XXXX NCB Management Services, XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist Request To Whom It May Concern, I am writing to formally request that you cease and desist from any further communication or collection attempts regarding the alleged debt referenced in your records under my name. Please consider this letter as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), which requires that all further collection efforts be halted. 
Please be advised that I do not wish to receive any phone calls, letters, or other forms of communication from your office regarding this matter, as I am exercising my right to request that you stop contacting me about this alleged debt. 
If you are attempting to collect a debt, please provide me with the following information : XXXX. A copy of the original agreement or contract. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. A complete accounting of the amount owed, including any interest or fees. 
Please ensure that you honor this request and confirm in writing that all further communication will cease. Failure to comply with my request may result in further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
This company ran my credit report without my permission. Then making a report on my credit report that was there by the owner of the account. Making my credit report have a double of the same account and amount. I did not ask for credit with this company nor ask for any services. This was done illegally according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: January Technologies, Inc
State: NC

Complaint narrative:
This company ran my credit report without my permission. Then making a report on my credit report that was there by the owner of the account. Making my credit report have a double of the same account and amount. I did not ask for credit with this company nor ask for any services. This was done illegally according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company ran my credit report without my permission. Then making a report on my credit report that was there by the owner of the account. Making my credit report have a double of the same account and amount. I did not ask for credit with this company nor ask for any services. This was done illegally according to the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief