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

Complaint narrative:
Since XXXX of XXXX I have had issues with Mohela that has taken me calling on several dates XX/XX/XXXX and sending repeated emails through the portal that went unanswered. More recently I have called on XX/XX/XXXX and XXXX of XXXX and again today, XX/XX/XXXX explain to them that based on Department of Education XXXX DOE ) guidelines those with XXXX recertification dates before XX/XX/XXXX do not need to recertify. My date falls on XX/XX/XXXX and is to be pushed to XX/XX/XXXX. My payments are to remain the same until next year. They refuse to follow DOE guidelines and made up their own rules stating as recently as today to me that the anniversary date is different from my expectation date and I have a XXXX expiration date. Mohela is spreading and using inaccurate information as it relates to recertification. The DOE guidelines are clear and not left up for interpretation by Mohela. They have increased my payment from {$320.00} to {$3100.00} which is affecting me closing on my mortgage! Mohela is causing me a lot of harm but being defiant to the DOE regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-01 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXXXXXX, DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 th
e 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 2024-03-01 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: LA

Complaint narrative:
I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.

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 2024-03-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2024-03-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted 2 previous complaints regarding the internal block Transunion has on my right to access my right to dispute and view my Transunion credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, Transunion has not followed thru with any of the steps stated. See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
There have been multiple unauthorized inquiries on my credit report within a single day. I have duly informed TransUnion of this discrepancy. However, I am still waiting to receive a resolution. In light of this, I have attached the report filed with the Federal Trade Commission for identity theft. Please remove all unauthorized inquiries from my credit report with due haste. Thank you for your prompt attention to this matter. 

XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2024-03-01 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2024-03-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent.

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 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I called Wells Fargo to inquire about the Reference Numbers for the compensation payments linked to them illegally enrolling me in Identity Theft ( XXXX  ) products. The agent I was transferred to ( XXXX ) refused to research my account to give me the reference numbers so I could fax my Mediation paperwork. The previous agent that transferred me had given her the 3 reference numbers that I needed. XXXX ended up telling me that she accidentally deleted the reference numbers and that there was no way for her to find them again. We argued a total of 20 minutes before I decided to simply hang up with the disgruntled employee. Refusing to provide critical information to customers is further evidence of how dishonest and unethical Wells Fargo is. What is even more amazing to me, if that I called back a few minutes later and spoke with a Tier 1 rep, named XXXX, that waa able to give me the missing reference numbers within about 30 seconds. Why did XXXX refuse to do something that she is legally obligated to do? XXXX actually told me that because I misplaced my reference numbers, I was XXXX out of luck for trying to get any form of compensation.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I received an email from the U.S. Dept. of Education from the office of Federal Student Aid signed by XXXX XXXX, Chief Operating XXXX. This letter states that all XXXX loans taken out from XXXX XXXX to XXXX of XXXX will be XXXX without requiring me to file an application due the widespread and pervasive nature of the school 's actions. This was to be a Group Discharge and the letter states that I do not need to do anything further.

While " some '' of my loans were discharged, {$64000.00} of the loans are still in Forbearance and the lender holding these loans ( AidVantage ) states that they did not receive any instructions from the Dept. of Education to discharge these loans. 
ALL of these loans were taken out to attend XXXX within the specified dates and therefore should be discharged according to the Dept. of Education.

AidVantage will not do anything other than tell me to contact the Dept. of Education, the Dept of Education borrower defense line states that they have been " experiencing historically high call volume '', tells me to try again later and hangs up. Of the few times I have been able to get a person on the line with the Dept. of Education they say they sent discharges for all the loans, AidVantage says otherwise.

I have filed multiple complaints with the Dept. of Education and have received no response after several months. 
The remaining loans are the vast majority of the loans taken out for XXXX. They are Federal Student Loans and it seems no one cares that they should be XXXX. 
If I do not get a satisfactory resolution ( discharge of my XXXX loans per the Dept of Education ) my only recourse will be to file a lawsuit against AidVantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the practices of Security Credit Service, a collection agency that has been operating in the financial industry. Based on the information provided, there are four laws that this agency must abide by to ensure fair and legal practices. XX/XX/year> XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits abusive, deceptive, and unfair debt collection practices. Security Credit Service must adhere to the guidelines set forth in this law when attempting to collect debts from consumers. 

2. Gramm-Leach-Bliley Act ( GLBA ) : This law requires financial institutions, including collection agencies like Security Credit Service, to protect the privacy and security of consumers ' personal information. The agency must take appropriate measures to safeguard sensitive data.

3. Fair Credit Reporting Act ( FCRA ) : Security Credit Service must comply with the provisions of the FCRA, which governs how consumer credit information is collected, used, and reported. The agency must ensure the accuracy and integrity of the credit information they report.

4. Consumer Financial Protection Act ( CFPA ) : This law empowers the CFPB to take action against financial institutions, including collection agencies, that engage in unfair, deceptive, or abusive practices. Security Credit Service must operate in a transparent and ethical manner to avoid violating this law.

I urge the CFPB to investigate Security Credit Service 's compliance with these laws and take appropriate action if any violations are found. It is essential to protect consumers from predatory debt collection practices and ensure that their rights are upheld. Thank you for your attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX, Georgia

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-01 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:
My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are. 
I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable. 

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2. 
I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit

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 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received an email threatening to sue me for charges that I didn't commit and an amount that isn't correct. It's an old debt on my credit report. I've had issues with this company before with illegal tactics. During covid they looked up my tax return refund and debited funds out of my account without my authorization. They had to return all my money and now they are threatening to call my employer, bank, etc. It's already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on 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 2024-03-01 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XXXX, AND TRANSUNION IS IN VIOLATION 15 U.S. Code 1679c

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