vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: NC

Complaint narrative:
I reviewed my consumer reports and have noticed I have multiple late payments on the accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this accounts that I included in the screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing these payments are late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they as they should be due to the fact i was never late. Thanks! Please send see screenshot attached.

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 2024-01-03 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: WA

Complaint narrative:
I submitted a request to change my payment plan to the new XXXX plan and my account was placed in forbearance. I requested my account to be taken out of forbearance and continue making payments while the XXXX payment plan application is being processed. 

The reason I didn't want my account to be in forbearance is that payments made while the account is in forbearance are ineligible for the XXXX XXXX XXXX XXXX ( XXXX  ) Plan. 

My account was placed in forbearance starting XX/XX/XXXX through XX/XX/XXXX. I submitted XXXX requests ( on XX/XX/XXXX and XX/XX/XXXX ) to remove the forbearance. I made the payments for XX/XX/XXXX and XX/XX/XXXX while my account was still in forbearance. 

I had called MOHELA a couple of times about the forbearance being removed and I was told that due to processing delays, my requests to remove the forbearance haven't been processed yet. 

I was told that once the requests are processed, they'll be effective as of the dates I requested the change from, that the forbearance would be removed effective in XXXX since I requested the removal of forbearance on XX/XX/XXXX the first time. 

On XX/XX/XXXX, I followed up with MOHELA and I was told that the request submitted on XX/XX/XXXX has been processed on XX/XX/XXXX ( after the forbearance ended on its own ). XXXX became eligible for XXXX but XXXX isn't, the removal of forbearance hasn't been retroactive to XX/XX/XXXX as I was told. MOHELA said there's nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Let me start by saying I have referred XXXX people to this app in the past ( screenshot attached ), & I will not be able to refer anyone else until this situation is handled fairly and quickly. I just opened my Self app to open a new secured link until I started looking at the fees and late payments for an account that I have not even be able to use. I can also see other CFPB complaints regarding the same issue. I am just now seeing that I owe {$190.00}, which I do not feel like I owe. I had to move a lot in XXXX to take care of my grandparents and never changed my mailing address for Self as I thought my account ended once I paid off my XXXX XXXX line and the deposit went towards my credit card balance. I closed my secured line ( XXXX XXXX ) on XX/XX/XXXX. My card ended in XXXX. The deposit for that secured {$350.00} was sent to my credit card, and it was listed as " XXXX XXXX XXXX '' for {$350.00} on my Self Statement. Once that deposit was paid, I was under the impression that my Self Credit Card had ended because it kept saying " Available Credit '' was {$0.00}. I thought Self would close the credit account since the CD was closed and the deposit was sent to the credit card. I was unable to use it & there was no available credit showing & the credit card was never used again after the accounts were closed on XX/XX/XXXX. Now I see that Self kept my account open just so they could keep charging late payment fees and interest rates. I never received a statement saying the account was closed and the remaining balance. I was charged nine months of {$15.00} late payment fees, which equals {$100.00} from XXXX ( no late fee for XX/XX/XXXX when {$350.00} credit finally hit ). Statement interest fees also added up to {$35.00}. The account should have closed in XX/XX/XXXX, so I have no idea why I was still charged late payments and interest rates. For referring XXXX people, you would think I got better service as I do want to open another account and refer people but not if this company is charging late payment fees and interest rates a year after accounts closed. It is still hurting my credit and I have not even used that card since I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

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 has violated my rights. 

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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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 express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2024-01-03 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: PA

Complaint narrative:
I contacted the company to inform them I was XXXX XXXX XXXX XXXX and I was a XXXX. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a XXXX  I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX XXXX of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX XXXX XXXX I should be building my credit. all the information is fraud and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: PA

Complaint narrative:
I contacted the company to inform them I was XXXX XXXX XXXX XXXX and I was a XXXX. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a XXXX I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX XXXX  of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX XXXX XXXX I should be building my credit. all the information is fraud and needs to be removed immediately.

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 2024-01-03 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase bank Claim id # XXXX This is 3 month program is including, in class course, summit application to XXXX and study materials. 

I had sign up in XX/XX/2023, after sign up i received study materials only, without in class course and submit application to XXXX. Missing this XXXX, since XX/XX/2023 i been calling, every day, leave voice mail, text, email to them, For my XXXX XXXX service which is in classes course, and submit application to XXXX 
but they never respond at all .i got disappointment and stressed been many days, XX/XX/2023 is my last calling to them. But they still never respond. so I had end up to dispute my payment on XX/XX/2023. After next day of the dispute XXXX they are starting contact me by email. but its too late i had already sign up with another school. Cause they never respond in 13 days. 

Attention : this is 3 month program, which is 90 days service, its miss XXXX other service since XX/XX/XXXX from the beginning, with only study materials that i received is useless, materials is use to leaning in inclass courses that i never received it, i had already return unused materials to them. 
Here is the return package usps tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-03 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: CA

Complaint narrative:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2024-01-03 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: AL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland credit management has 3 accounts showing on my credit report they are reporting as a COLLECTION yet also reporting as an OPEN account with a BALANCE which goes against FCRA compliance.i have mailed letters I have called trying to get proof these are mine with no reply!

Company response to consumer: Closed with explanation