vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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:
XXXX XXXX XXXX This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet has had my loans for over XXXX years. They transferred from Great Lakes at least that long ago. The Nelnet website STILL fails to show my payment schedule. It says the payment schedule is not available because they loans " recently '' transferred from Nelnet. This is a lie. I called Nelnet and they told me they have NO timeline for when the payment schedules from Great Lakes borrowers will be available on the website. They NEED to get their website updated with our payment schedules. When I asked how I could get it, they told me they could mail me the payment schedule in 8 weeks. This is unacceptable. 

I want my CURRENT NELNET PAYMENT SCHEDULE. I submitted a prior complaint and they sent me my OLD Great Lakes schedule. This is NOT what I am asking for. I want my current loan payment schedule as I am entitled to by law. AND I want a commitment from Nelnet that they will update the website for Great Lakes borrowers and stop LYING on their website that they " recently '' received our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
a number of inquiries on my credit report not made by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I am sick and tired of dealing with this servicer MOHELA. I can never get through via phone after waiting hours and hours. I have sent a message to MOHELA through my account portal and hadn't received a response requesting a supervisor call me. I have been misinformed regarding my student loans and my PSLF has been miscalculated and done completely wrong. I keep getting emails stating they will be my servicer then I get one stating they will not be my servicer. I am tired of being cheated of what I have worked hard for. My balance is incorrect as well. I am needing a supervisor from MOHELA to call me regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Tried to call regarding my payments and loan forgiveness, no one picks up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
they responded with a choose payment option stating they own the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
They held or payment for two weeks and did not cash it until the day after the judgement so they we would have to pay them more then the original amount even though we sent the check certified mail so we know they received it two weeks before the court date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called the company several times and reminded them of the conversation I had previously with one of there representatives. 

I was told the, at that time the loan was fairly new and that something could be arranged. We discussed the loan being renewed or the two late payments at that tome be placed on the back end of the contract. 

Whats so disappointed and makes no sense at all is that I am willing to honor my contract but they refuse to renew the contract or place the, now very delinquent amount on the back end of said contract and make it easy on everyone. 

Instead they decided to ruin my credit score which was, at that time, which ranged across the three credit agencies from the high XXXX to low XXXX. 

They deliberately keep reporting me late to ruin me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dell account compromised on XX/XX/XXXX, fraudulent laptop order # XXXX to be sent to XXXX XXXX at a fake address at XXXX XXXX XXXX, XXXX XXXX, XXXX. Requested to close Dell account with Dell associate from XXXX confirmed over the phone he has closed the account to prevent future fraud attempts. Also contacted XXXX XXXX Police Department on XX/XX/XXXX making a police fraud report with Dell laptop. Notice from dell for billing for the amount {$2100.00} on Dell account # XXXX, creditor Comenity Capital Bank. XXXX XXXX XXXX, XXXX, OH XXXX. No auth signature for receiving the laptop from Dell. Dell claims another package was dropped off at my house at XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX where criminal suspects waited received the laptop they ordered by accessing my account where they used a different cell # on file on my online dell account.Poor quality Dell customer service lead me to purchased a XXXX XXXX XXXX model laptop from XXXX, at XXXX XXXX XXXX, XXXX, Ca XXXX on XX/XX/XXXX, XXXX bought in XX/XX/XXXX order # XXXX XXXX XXXX : XXXX. I disputed the case requesting for a refund or replacement with secure pickup at carrier with photo ID Auth & sign, Dell & Comenity Capital Bank denied my attempt for a settlement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX cable in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them XXXX reports, police reports and the item was deleted from my credit report. Recently the debt was sold to Berlin Wheeler Inc, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all XXXX credit bureaus. I previously contacted Berlin Wheeler in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. Today I notice they have placed the collection back onto all XXXX credit bureaus and have sent me another collection notice.

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 2024-05-29 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the practices XXXX/CONTFIN, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXXCONTFIN has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXXCONTFIN is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXXCONTFIN has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXXCONTFIN is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX/CONTFIN has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXXCONTFIN take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX/CONTFIN provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX/CONTFIN I trust that they will take this matter seriously and promptly address my concerns.

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 2024-05-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF XXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX 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 2024-05-29 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: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF EDUXXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
XXXX XXXX XXXX This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For the tenth time, the reports have gone up by XXXX points and then down by XXXX. The problem was fixed and resolved, but then it occurred again. This has been happening continuously. 

I have sent an identity theft report, an FTC report, and a letter from XXXX requesting the removal of the account and stating that I am not responsible for this account. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Experian Fraud Complaint/Deletion Letter Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :

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 2024-05-29 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : 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/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, 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 from the file of the consumer, or modify 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. 

Please remove the following items from my credit report, immediately : I have several names, addresses, phone numbers and EMPLOYMENT that are incorrect.

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 2024-05-29 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: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I spoke to an employee at MOHELA for 23 minutes who advised me my loan would be in forebearance for 12 months. I then started getting past due bills from MOHELA. I spoke to a representative today XX/XX/year> for 28 minutes who stated she was in training and could not see a forebearance in the system. She then gave me the run around and stated I needed to pay. She then said she would transfer me to a supervisor and hung up the phone. And supposedly ALL calls are recorded so I hope they listen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I am writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into this matter.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief