vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: OR

Complaint narrative:
I have continued to get the run around from MOHELA when inquiring around a refund on my student loans as an automatic/full class member of XXXX v. XXXX and XXXX my XXXX XXXX XXXX # XXXX. I have continued to attempt to contact MOHELA via phone and have been unsuccessful but messaging in my account has at least resulted in responses. However, the responses have not directly answered my questions and in their last communications they continue to say I am not required to make payments related to my XXXX case- which my loan balances are {$0.00} across the board ( both on MOHELA 's website and XXXX ) so there would not be anything to pay against. 

I submitted a previous complaint regarding MOHELA 's handling of my loans and the response was unsatisfactory and the complaint was closed subsequently by CFPB. 
I had uploaded and provided proof that I am a member of the XXXX  v. XXXX settlement including my letter/email from Federal Student Aid confirming my Borrower Defense XXXX XXXX application was approved and my loans were to be forgiven. MOHELA still claimed they had not been notified or received proof I was a member of the XXXX v. XXXX case nor that my loans qualified for forgiveness. Again, I have furnished proof of my applications approval multiple times. 

I submitted another complaint directly to MOHELA on XX/XX/XXXX. That complaint text is in XXXX of the attachments I have uploaded and their response. MOHELA indicated : Regarding your request, our records indicate that your loans have been XXXX and due to getting a refund, your account was recreated. As soon as the processing of your refund has been completed your account balance will again be XXXX. Refunds are generally received XXXX days of account being recreated. This was done on XX/XX/XXXX. We appreciate your patience. 

This means they have XXXX my loans and have been negligent in their credit reporting obligations under the FCRA for accurately and timely reporting of credit to all three bureau 's. Additionally, the date of my " account recreation '' was XX/XX/XXXX, which means that according to their XXXX day window, my refund should have been communicated and processed by XX/XX/XXXX. This has not happened and I have not received any communications via phone, email or XXXX mail from MOHELA. 

The deadline for the information to be sent to the XXXX Treasury to process my refund to me - and hundreds of thousands of other borrowers was XX/XX/XXXX as outlined in the settlement terms and most recent rulings on XXXX v. XXXX. MOHELA continues to avoid addressing my questions and concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Against LCI Consumer Center for Failure to Respond and Furnishing Inaccurate Information Dear CFPB, I am writing to formally file a complaint against LCI Consumer Center, located at XXXX XXXX XXXX, XXXX, CA XXXX, for their failure to respond to multiple correspondence requests I have made and for furnishing inaccurate information to credit bureaus in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

To date, I have sent five ( 5 ) letters to LCI Consumer Center over a period of 7 months all of which were addressed directly to their po box . My requests included inquiries about the specific information they are furnishing to the credit bureaus and how they are sourcing this data. Requesting they provide proof and update to report accurately and within XXXX compliance guidelines. 

Additionally, the information LCI is reporting to the credit bureaus contains inaccuracies. They have failed to uphold XXXX XXXX compliance guidelines, which require accuracy, timeliness, and the correction of any discrepancies in reporting. Their negligence in providing accurate reporting violates the FCRA, particularly 15 U.S.C. 1681s-2 ( a ), which mandates that data furnishers report information with maximum accuracy. Furthermore, their lack of response also violates FCRA provisions requiring furnishers to investigate and correct disputed information promptly. 

Given LCIs repeated failure to comply with these regulations, I am now left with no choice but to take legal action if this matter is not resolved immediately. I request the deletion of the record from my credit report in its entirety and expect prompt communication from LCI confirming this.

At this point, ample time has been given for LCI to address these issues. I request that the CFPB take immediate action to investigate LCI 's conduct and ensure compliance with XXXX XXXX standards and the FCRA. 

Thank you for your attention to this matter. I look forward to a resolution and the removal of the incorrect reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSWORLD SYSTEMS INC used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
INQUIRIES MADE BY PHONE ( DISCONNECTED IF REQUESTS ASK FOR LIVE AGENT ) AND EMAIL ( SAME FORM STATEMENT AND QUESTIONS PROVIDED FOR EACH EMAIL INQUIRY ) MY INQUIRY IS SPECIFIC TO A STATEMENT MADE AS CLARIFICATION FOR CHANGE EFFECTING LOW SCORE. 
1 ) WHAT COMPANY OR LENDER WAS RESPONSIBLE FOR -- CREDIT LIMIT DECREASE? 
" Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT Your total credit limit decreased by {$500.00} Your credit limit decreased from {$14000.00} to {$13000.00}, which typically means either a lender decreased your credit limit or you closed a credit card account. '' 2 ) INCORRECT ADDRESS ATTRIBUTED, DELETE FROM MY REPORT : XXXX XXXX, XXXX XXXX ) CREDIT HISTORY DOES NOT REFLECT ACCOUNTS FROM OVER 50 YEARS? WHY?

I REQUIRE COMPLETE AND EXPLICIT EXPLANATIONS TO ALL 3 INQUIRIES.

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 2024-09-12 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: WI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
XX/XX/year>, I paid a deposit on a trip for XXXX XXXX XXXX through XXXX  The charge of {$640.00} appeared on my card as SQ. 
XX/XX/year> I had to cancel the booking, and I received confirmation that my deposit would be refunded in full. 
When I received my statement for that time period, there was no refund, so I called the Credit Card company and filed a dispute on XX/XX/year>, I called XXXX who confirmed I was due a full refund. XXXX said they would reach out to the merchant, and I should see the refund in 2 weeks. I assumed I had done everything I needed to, and would receive the refund. 
My XXXX XXXX statement h reversed the credit and closed the dispute the same day. I called XXXX and was told the merchant responded and they had sent me a letter and I never responded to the letter so they reposted the charge. I never received the letter, and I was checking the app constantly for any communications. When I didn't see or get anything I thought the matter was being investigated. I called back a few days later and was told that the case was NOT re-opened, and I would have to fax in documents to prove my dispute and request they re-open the dispute. I went the day after and had to pay {$21.00} to fax 9 pages, the charge, the cancellation confirmation showing I was due a refund, and the card statements. I called XXXX the next day and was told they received the documents and would expedite my claim. I called XXXX back today and was told they closed the dispute because I didn't respond in time. I have been responding and reporting and providing documents every time I was told to do so. I have all my documents, and this should have been a simple resolution. I tried calling XXXX  but the agent answered, I gave her my confirmation number and the phone disconnected. 

Please help. I'm XXXX and have gone 2 years with no income. I desperately need this refunded back, the interest removed and a {$21.00} credit for the fax. 

I don't know who else can help me if you can't. 

Thanks for all you do! 
XXXX XXXX XXXX Confirmation number : XXXX PIN : XXXX XXXX Dispute number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
XXXX XXXX  LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Dear Sir or Madam : I am XXXX  XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

INCORRECT ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$24000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$50000.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE XXXX {$4000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX BALANCE : {$0.00} XXXX XX/XX/XXXX XXXX BALANCE : {$290.00} XXXX XXXX XX/XX/XXXX XXXX BALANCE : {$12000.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX BALANCE : {$410.00} XXXX XX/XX/XXXX XXXX BALANCE XXXX {$6900.00} INQUIRY XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Enclosures : [ List what you are enclosing ] Proof of identity [ Each consumer reporting agency sets requirements for proof of identity. 
Examples that are likely to satisfy the requirements may include : a copy of drivers license, other government-issued identification card, utility bill. If you are a representative assisting with this submission, then your proof of identity should be included too. ] XXXX XXXXocumentation [ Documents establishing that youre a victim of XXXX Examples of acceptable documents include : Documents from a federal, state, local, or tribal governmental entity ; Documents from a non-governmental organization or XXXX XXXX task force, including affiliated victim service providers authorized by a federal, state, local, or tribal governmental entity to identify XXXX XXXX XXXX  ; Court documents with a determination that you are a XXXX XXXX XXXX ; and/or A self-attestation that you are a victim signed or certified by a representative from a governmental entity, court, or authorized non-governmental organization or 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. 
National Credit Systems : XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-09-12 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: IN

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

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Early warning services is publishing information that violates the XXXX privacy act. I contacted them via phone call XX/XX/XXXX and sent out a letter on XX/XX/XXXX. they received it on XX/XX/XXXX. Their policy is XXXX for some kind of resolution. they have yet to respond or contact in any form like mail, email, or phone call. I call them XXXX to follow up and they still haven't done anything. they are in violation of the Fair Credit Reporting Act, Section 604. 15 U.S.C. 1681b. I expect them to do their job and perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MI

Complaint narrative:
My husband and I are trying to purchase a house. There was an error on our credit reports showing a mortgage with a delinquent balance long after the debt was XXXX in bankruptcy. I contacted XXXX Mortgage and provided them an additional copy of the bankruptcy documents and demanded an immediate correction. We then provided Experian with a letter from the mortgage account stating that they had made corrections and the debt was XXXX in bankruptcy in XX/XX/year>. Experian told our new mortgage company that they would not accept the letter from XXXX mortgage and the delinquency remained on our reports. Experian then corrected our report on the consumer side - the report that WE can access - but has not rescored our account on the report that the mortgage company pulls for loan qualification. We tried contacting Experian ( as did our mortgage company ) for the correction and were told that it was already corrected. As of today the report the mortgage pulls has NOT been corrected or re-scored. This is preventing us from purchasing a home. My husband and I feel like both companies have been in clear violation 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 explanation