vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, the Consolidation process of my XXXX original loans was finalized, and my new servicer ( XXXX ) received my new Consolidation Loan with an original principal that matched the value of the 6 original loans. However, my old servicer ( Aidvantage ) somehow managed to get a fake consolidation loan ( literally named " Description not Found '' on my account history page of their internal system ) disbursed to Advantage in my name, with an original principal that was far above the total value of the original 6 loans that had been consolidated. Advantage then claimed that it transferred the fake consolidation loan ( with the name " Description not Found '' ) to XXXX XXXX weeks later ( XX/XX/year> ) even though records from both XXXX and the Department of Education dispute that claim. After contacting the Department of Education 's Federal Student Aid ( FSA ) Complaint Office, my case has been deliberately ignored for 6 months and continues to be ignored to this day, and no disciplinary action has been taken against Aidvantage for their fraudulent activities against me. The number of the FSA Complaints Office case that I filed is XXXX. The lack of action by the FSA Complaints Office on this case, and their refusal to escalate my case to the FSA Ombudsman, causes me to believe that the FSA Complaints Office is covering for Advantage and protecting them from being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit 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: NC

Complaint narrative:
JP Morgan Chase XXXX XXXX ending in XXXX total points of XXXX for statement closing date XX/XX/XXXX - XX/XX/XXXX was not transferred to my XXXX account number again. 

Please see CFPB complaint XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: IN

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX an on XXXX it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: OH

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have previously disputed XXXX  XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted 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 non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXXXXXX XXXX  promise to fix the car I purchase they sold the loan to westlake portfolio and now the engine is not working. It was told to me by 2 different companies I need a new moter. The car is a XXXX XXXX XXXX the loan states I owe XXXX but the car is only valued at under XXXX also I was neve informed that my loan would be sold to westlake.i feel like I was rip off and over charged and the car had problems now I still owe and ca n't drive it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is XXXX days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
I am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past XXXX  months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Company ignored the fact that I am a victim of identity theft of XXXX data breach XXXX. I've been trying for years to correct my credit report. I now know why things are popping up on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
On my XXXX credit report, there is a debt being reported by Jefferson Capital Systems. Im unaware of this debt. I didnt have an opportunity to dispute this debt. 

If in fact, you believe you gave me proper notification, then please send me the receipt of the certified mail being sent and received with my name on it and my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CO

Complaint narrative:
I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.

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 2024-05-25 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: NY

Complaint narrative:
Equifax got my name as XXXX XXXX. 

My government name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My loan is owned by CITI and they have XXXX servicing the loan. For the past XXXX years I have sent in certified check to make the payments to keep records of it and each month the payment amount changes. I have been sent a statement of what the insurance or tax will be and sent that check in also only to keep getting different payment amounts. I need someone to please get involved to see that this is not right. Please help me. Please contact for any information that you may need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see 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 explanation
Consumer complaint received 2024-05-25 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: VA

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
no resolution file since XX/XX/2024 turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides effect credit considers fraud force collect money? XXXX that not owe Selling the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below

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 2024-05-25 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: FL

Complaint narrative:
Numerous accounts where put on my credit report that were not mine between the years of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account is illegally publishing derogatory and inaccurate information on 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 2024-05-25 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: IN

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-25 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: IN

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
- Applied for the XXXX plan for the first time in XXXX, starting XXXXXXXX XXXX - Mohela transferred their information to a XXXX XXXX XX/XX/year> - No response since XXXX until XXXX, reapplied for the XXXX plan again in XX/XX/year>, repeating XXXX XXXX - No response, received physical mail in XX/XX/year> to submit the same information that I submitted in XXXX when applying for the XXXX on Mohela 's website. Submitted the info XX/XX/year>. 
- Called again early XX/XX/year>, re-entered XXXX for the third time. This time spoke to a call center XXXX who submitted an expedited processing request, informed that it would take XXXX business days to process. 
- Now it's the end of XX/XX/year>, still no XXXX plan has been processed. 

Throughout this process, I have called about XXXX times with responses being : " Your application will be processed. '' " Somehow your application was missed, please reapply. '' " I have submitted a request to expedite your application. '' The consequences of me not entering the XXXX plan is that my payments would be XXXX XXXX monthly instead of XXXX}, and that my qualifying payments for XXXX have been delayed for XXXX months out of the XXXX months for my XXXX XXXX XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with explanation