vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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:
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.

has violated my rights. Or a list of inquiries : 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 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 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 2023-10-11 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: DC

Complaint narrative:
Description of Problem I have outstanding student loans totaling {$200000.00}. Prior to the student loan pause, I was on the XXXX plan and my monthly payment was {$360.00}. My servicer changed from XXXX XXXX to Mohela in XXXX. Mohela recently notified me that I had been automatically converted to the SAVE and my monthly payment increased from {$360.00} to {$670.00}, even though I had previously been told that my payment would remain the same under the SAVE plan. My husband 's monthly payment similarly increased by several hundred dollars. 

This was very surprising and concerning to both of us because we have not re-certified our income since XXXX ( when we used our XXXX AGI as married joint filers ). We called Mohela twice and both times the representatives advised they did not know XXXX ) what income amount was used to calculate our new payments ( e.g., our XXXX AGI? Something else? ) and XXXX ) how the payment calculation was made. This is basic information that should be easily available to all borrowers. Instead, the agents pressured us to re-certify, which I understand we are not obligated to do until 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 2023-10-11 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: MO

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11 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: CA

Complaint narrative:
I got a credit card with XXXX XXXX XXXX in XXXX I had difficulty with making payments therefore I consolidated my debts with XXXX XXXX XXXX XXXX XXXX. XXXX reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past Sunday XX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX  and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.

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 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The GLBA clearly states a credit reporting agency would have to be a part of an affiliated party to National credit systems in order for them to be exempt from providing me with an opt out notice before reporting my non public information. By definition in the GLBA NATIONAL CREDIT SYSTEMS is a financial institution and I am a consumer not a customer of National credit systems. And as a consumer I have a right to privacy. NATIONAL CREDIT SYSTEMS is in violation of the Gramm Leach Bliley Act and never had writtenpermission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( National Credit Systems falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: MA

Complaint narrative:
Back in XXXX, Capio first contacted me saying I had a debt XXXX sent to collection. I called XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and they said all my bills were paid and there was no record of them every sending me to collections. I then blocked the phone calls from Capio Debt Collectors. They then tried to recontact me today, XX/XX/2023 at XXXX and XXXX XXXX with back-to-back phone calls. When I asked what it was in regards to he kept saying " a business matter '' and trying to make me state personal information before giving any more information. I know I have no outstanding debt with XXXX and they can confirm this. 

I keep blocking their numbers and they keep finding me to try to pay this " debt '' that does not exist. The number I provided was the most recent number to reach out to me.XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) said Capio is not one of the debt collectors they use and they shouldn't know my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A fraudelent charge was made on my Wayfair Citi Bank card on XX/XX/ for {$200.00}. The purchase was done on-line from a person in XXXX for a gaming chair. I'm XXXX XXXX XXXX and live in XXXX. I did not make this purchase and I alerted Wayfair and Citi Bank. Citi 's Security Operations ook my claim and removed the charges. However, in XXXX, the charge was returned to my card due to the " lack of information to support my claim ''. This began a barage of phone calls about overdue payment and late charges. I've received several letters letting me know that my credit would be impacted. I've called Citi 's Security Operations several times. Speaking to XXXX, XXXX and XXXX on seperate occasions. All assured me that this was a fraudelent charge and they would personally remove it. This was obviously a scripted response since each said the exact same thing. It is now XXXX  My last letter was dated XXXX saying that they will be reporsting me to the XXXX credit bureaus if I didn't pay the charge and the late fees. How dare they continue this harrassment and extortion. This needs to addressed and other need to know not to sign up for the Wayfair Citi Bank card. My identity was stolen through and on-line purcahse due to their lack of security and they are blaming me. Stay away from this company and their credit cards.

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 2023-10-11 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: WI

Complaint narrative:
I was put on administrative forbearance against my will. As a result, I paid over {$600.00} in interest without that being a qualifying payment for PSLF. If the company is not able to do their job, the financial penalty should be their burden. It is impossible to get through to customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 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: TX

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I originally disputed this account with XXXX and XXXX XXXX account number # XXXX. I informed the company this was not my debt. At that time I was told that I would not be having this on my credit. Long story short it was on my credit report and now a debt collector has obtained this debt and is harassing me for money. {$180.00} payment. I informed ERC I am the victim of identity theft and I was informed by XXXX XXXX I need to re file a police report. I explained I would not be refilling any more police reports as I previously filed already. I never contracted with ERC or XXXX XXXX XXXX for services and no longer wish to be harassed by these debt collectors and I did not give my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
So my mom, whom I never communicate with called me and said that they threatened me on XX/XX/ She doesnt know what shes got coming her way, also called her on another on another occasion XX/XX/ on her business phone number and said If she doesnt give us a call back then we will sue. She was upset and hysterical. I dont know what credit these people are referring to because they refuse to send me proof. She told them both times to not call her but they kept calling anyway. They keep using scare tactics to collect on a debt and its very disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My loan payments began this month ( XXXX XXXX ) with Nelnet ( previously Great Lakes, switched to Nelnet prior to any payments ). I had everything arranged to auto debit my loan payment amount for the due date, but my payment was not auto debited and was then considered past due. I went ahead and made the payment at that time as I assumed the auto debit had an issue. I contacted customer service to inquire, and was on hold for a very extended amount of time ( see attached ) totaling XXXX minutes. I finally spoke with someone who informed me there had been an issue with the auto debits set up in XXXX and XXXX. She told me to cancel the auto debit I currently had and reset it up and it should work then moving forward. This was on Monday XX/XX/XXXX. While reviewing my checking account today ( XXXX ) I noticed my account was debited twice for my student loan ( XXXX transactions of {$190.00} ). Thankfully I didn't overdraft, but I know some may not be financially capable for this to happen. Upon calling today XXXX to discuss the issue, I was told the hold time was greater than XXXX minutes. My total wait time was XXXX hours ( see attached ). I was then informed that there was no issue at all with the auto debits and that it wasn't processed due to being a weekend due date and then a bank holiday the following Monday. She was very polite and incredibly empathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 explanation