vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: IN

Complaint narrative:
In XX/XX/XXXX, I received an email from MOHELA regarding my student loans and a forbearance that was placed in the fall of XXXX for all loan holders. It appeared as though a payment had been processed from my bank account to my student loan account despite that forbearance supposed to have been in place. XXXX reported they were required to offer a refund to the original pay source or to use that fund as a credit towards a future payment and that the customer needed you either write a request and send it in or call and request their preference. I did write a request and fax it electronically and receive confirmation back, and then about a week or two later, I received a letter in the mail from MOHELA indicating they had received my fax, but were now also requiring me to call in in addition to my fax to have the conversation to initiate the refund. I did call and I made the verbal request in XXXX at which time they said they prompted the refund process which would take up to XXXX days. And the month of XX/XX/XXXX a new forbearance was placed on all MOHELA accounts due to the circuit courts placing a stay on the save plan. And I had made a payment in the month of XXXX and wanted to get a refund of that as well so I called in to request a refund on that On XX/XX/XXXX or XX/XX/XXXX of XXXX. At that time, I did go ahead and request an update on the previous refund request mentioned above, and was told that due to a MOHELA system platform update. All request for refunds had been wiped out and despite them not notifying any of the customers that request would have to happen again, the fall XXXX refund request. This was obviously annoying, but I made the request again for the previous payment of XXXX and something dollars from the end of XXXX in addition to the new request for the $ XXXX XX/XX/XXXX. Phone call with XXXX fast-forward to the middle of XXXX and I went ahead and called back to double check on the status of both of these request and was told that it would take up to XXXX days business days to be refunded. I reminded the new customer service member XXXX that XXXX had told me to take XXXX to XXXX days and so she reached out to her supervisor who reconfirmed to her. It would be no less than XXXX business days, but within XXXX business days before either of these refunds could occur. I did confirm with XXXX that she could see the initial fact I had sent in back at the end of XXXX early XX/XX/XXXX regarding the fall XXXX overpayment and the phone call in regarding that same request at MOHELA letter, I received in the mail request to call anyways, despite receiving my fax, and she could see the call with XXXX, but still, they were not honoring any of those requests for my refunds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CO

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names below has violated my rights : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XX/XX/2023 and XXXX XXXX and noticed some things are incomplete and not accurate. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2024-08-17 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: NJ

Complaint narrative:
I am writings dispute the accuracy of the information being reported on my credit report related to the XXXXXXXX XXXX  account with the following details Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off, {$2600.00} written off, {$2400.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$2400.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2500.00} Highest Balance : {$2600.00} Payment History : Continuous charge-offs from XX/XX/XXXX to XX/XX/XXXX On Record Until : XX/XX/XXXX I am challenging the accuracy and completeness of this information for the following reasons : 1.Lack of Proper Notice and Disclosures : Under 15 USC 1637 ( b ), creditors are required to send periodic billing statements, including necessary disclosures, to the account holder. I did not receive any such statements or notifications, including any late payment notices XXXX  days or less before the payment due date. This failure to comply with federal requirements calls into question the validity of the information being reported. 

2.Inaccurate Reporting of Payment History : The continuous charge-off status from XX/XX/XXXX to XX/XX/XXXX does not accurately reflect my payment history or any communications made with XXXX. The repeated charge-off notations suggest a lack of updates to the account, which may indicate errors or outdated information being reported. 

3. Balance and Status Inconsistencies : The reported balance of {$2400.00} as of XX/XX/XXXX, along with the previous charge-off of {$2600.00}, suggests discrepancies in how the account is being reported. Additionally, the lack of recent payments and the outdated status update from XX/XX/XXXX further indicate that this account may not be accurately reflecting my financial situation. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate information. Please provide me with a complete and detailed report of your investigation, including the documents and records used to verify the accuracy of the account information. If you are unable to verify the accuracy of the information, I request that this account be removed from my credit report. 

Please consider this letter a formal complaint under the Fair Credit Reporting Act ( FCRA ) and acknowledge receipt of this dispute in writing. I expect this matter to be resolved within the statutory time frame allowed under the FCRA.

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 2024-08-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX - BALANCE {$170.00} Account Number : XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX XXXX # XXXX - BALANCE {$630.00} Unauthorized Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
They removed it from one credit bureau account of mine but not the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 was shocked to find inaccurate accounts on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, and this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm really concerned and am requesting that the documents I've sent be thoroughly reviewed so that I can put this worry behind me once and for all.

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 2024-08-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-17 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: MS

Complaint narrative:
Following 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 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 states a consumer reporting agency can not furnish an 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 : accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 non-monetary relief
Consumer complaint received 2024-08-17 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have never lived there. I never signed any lease there. I have never had anything registered there, any mail there, that address is not tied to my name anywhere. I have a lease in my name to prove I was living somewhere else at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management ( MCM ) sued me in XX/XX/year> after they bought my debt from XXXX XXXX XXXX the company to consolidate my debt. MCM had 3 lawyers, I couldnt afford one. I did not receive the decision. Received a call from XXXX XXXX saying hes going to be my mediator and I told him no and asked him how he knew about it before me. He agreed to cancel. I hired a different mediator, let MCM know and they ignored that and put XXXX XXXX as the mediator. They will not return my call, text or email. I think XXXX XXXX and MCM are in it together to get more money from someone who doesnt have any, because mediators are {$50.00} to {$170.00} an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: GA

Complaint narrative:
I am very upset to discover unauthorized inquiries on my credit report this evening. Ive reviewed my report and attempted to resolve it by refreshing my browser, but the issues remain unresolved. I am deeply frustrated and need a swift and thorough review of my documents to ensure this problem is resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had the misapplication of an addtional principal payment being applied to my mortgage in the past. The website of this organization does not separately show how much interest or principal is applied to the mortgage. There is a section on the web site which supposedly allows the consumer to obtain this information. After several attempts, i could not obtained the requested information. 
I have sent a number of emails to PenFed asking for help. Their response was to ignore my request and finally, indicate they do not intend to provide the info or make any change to their web site allowing a borrower to obtain such information

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 2024-08-17 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency 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 and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. 


INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-17 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency 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 and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. 


INQUIRIES : XXXX XXXXXXXX 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 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 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 2024-08-17 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: Self Financial Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME SELF FINANCIAL/LEAD BANK ACCOUNT XXXX # : ITEMS I ASKED FROM SELF FINANCIAL/LEAD 1.A PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING 2.PROOF OF PROCEDURE OF INVESTIGATION 3..MY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief