vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to 3 months of non payment. The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA LAW. It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. I was told that my account is eligible for a refinance of {$10000.00} after 1 more payment is made yesterday when I spoke to a representative. There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Fraud on my account.i never gave written consent to furnish my information or obtainmy information -according to 15 USC 1681, thus is most definitelyagainst the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Fraud on my account.i never gave written consent to furnish my information or obtainmy information -according to 15 USC 1681, thus is most definitelyagainst the law

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 2025-03-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraud on my account.i never gave written consent to furnish my information or obtainmy information -according to 15 USC 1681, thus is most definitelyagainst the law

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I noticed Midland Funding LLC on my credit report. I have no association with it. The account shows that it was opened on XX/XX/XXXX from XXXX XXXX XXXX. However, I did not have XXXXXXXX XXXX XXXX  Account until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-13 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-13 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: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am challenging the XXXX data of the payment history. 
Under FCRA statue 15 U.S code 1666b and 15 USC 1681 all billing errors need to be removed. This account is marked 30 days late once on Experian and XXXX  and this needs to be removed. 

I also need the method of validation that was used as I have disputed this account and have yet to be provided with this information. 

complaint relative to a XXXX XXXX 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NV

Complaint narrative:
I am filing this formal complaint regarding the unauthorized access and potential misuse of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions appear to be serious violations of federal law, including : - Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) - Title IV regulations governing federal student aid - The Privacy Act ( as referenced in Case XXXX ), which requires a System of Records Notice ( SORN ) for any new use of collected data Details of the Violation : I recently discovered that my personally identifiable information ( PII ), FAFSA data, and IRS tax transcripts were accessed without my consent. This breach raises concerns of : Unauthorized data sharing without a legally required notice or consent Compromised financial records, which affect the validity of my loan agreements Potential identity theft or fraud risks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received notification via XXXX  my credit score decreased by over XXXX points due to XXXX late payments reported by Nelnet. I called XXXX and reported my loans were in XXXX with the XXXX XXXX XXXXXXXXThe representative advised my loans have been transferred over to Nelnet. She advised I contact them directly to resolve and provided and outreach number for them. I contacted them on XX/XX/XXXX and was told my loans were transferred over to them from the Department of Education back in XX/XX/XXXX. They stated the attempted to contact me several times regarding the transfer. I advised the representative I hadnt received any of the attempted communication and asked what number and address they had on file. They had an incorrect number and address on file, hence the reason I was unaware of the transfer. I then went on to ask what is the status of my loans and was told my loans are in Administrative Forbearance and Payments would not begin until XXXX of XXXX. I then asked if my payments are in Forbearance why are XXXX late payments reported on my account. The Rep stated during the transfer they could not reach me due to incorrect contact information. He stated that Hed enter a dispute for me with All XXXX  Credit Bureaus to attempt to have the late payments removed as the information is incorrect. I waited a few days to call the credit bureaus to confirm if disputes were entered on XX/XX/XXXX. I first called XXXX no dispute was entered from Nelnet. The XXXX at XXXX entered dispute for me. I then call XXXX, no dispute entered. The XXXX entered dispute for me. On XX/XX/XXXX I received a notification Nelnet changed the status of my loans to from late to current which is awesome, but the late payments still remained on my credit negatively impacting my score with incorrect information. My credit score also only increased by XXXX points, but when the information was incorrectly reported my score decreased by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
My student loans were forgiven through XXXX in XXXX and up until recently, my credit report has shown a {$0.00} balance from XXXX ( federal loan servicer ). Its now showing I owe a {$4000.00} balance. 

Ive attempted to access my information with XXXX, however theyre dont even have an account in their system for me ( since its been XXXX years since my loans were forgiven ). The student loans not only should have a XXXX dollar balance, but also should be removed from my credit reports.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My student loans were forgiven through XXXX in XXXX  and up until recently, my credit report has shown a {$0.00} balance from XXXX ( federal loan servicer ). Its now showing I owe a {$4000.00} balance. 

Ive attempted to access my information with XXXX, however theyre dont even have an account in their system for me ( since its been XXXX years since my loans were forgiven ). The student loans not only should have a XXXX dollar balance, but also should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My student loans were forgiven through XXXX in XXXX and up until recently, my credit report has shown a {$0.00} balance from XXXX ( federal loan servicer ). Its now showing I owe a {$4000.00} balance. 

Ive attempted to access my information with XXXX, however theyre dont even have an account in their system for me ( since its been XXXX years since my loans were forgiven ). The student loans not only should have a XXXX dollar balance, but also should be removed from my credit reports.

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 2025-03-13 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: UT

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IN

Complaint narrative:
To whom it may concern, I am writing to formally request the forgiveness of my student loans due to a significant breach of contract, unauthorized access to my personal loan information, and persistent mismanagement of my loan servicing. My name is XXXX XXXX XXXX and I have been diligently repaying my student loans since graduating with my first degree in XXXX. My loans are serviced by Education Financial Services under the oversight of the XXXXXXXX XXXX XXXX XXXX 

Recently, I discovered that XXXX has illegally accessed my personal loan information. This unauthorized access constitutes a clear violation of my contract with both the XXXX XXXX XXXX XXXX and Education Financial Services. The breach has not only compromised my personal information but has also caused considerable distress and uncertainty regarding the security of my financial data. 

In addition to this breach, I have been misinformed numerous times about my loan qualifying for the XXXX XXXX XXXX XXXX ( XXXX  ) program during my XXXX  years of qualifying payments while working for XXXXXXXX XXXX XXXX and XXXX XXXX Despite my consistent efforts to meet the XXXX  requirements, I was repeatedly given incorrect information, which has significantly impacted my ability to achieve loan forgiveness. 

Furthermore, my loan servicer has been changed multiple times without my consent, from XXXX XXXX to XXXX ( twice ), and now to Education Financial Services. These changes have caused confusion and disruption in my repayment process. Additionally, my loans were consolidated without my consent, which altered my repayment start date and further complicated my financial situation. 

Given the severity of these issues and their implications, I believe I am legally entitled to full dispensation of my student loans. I have consistently fulfilled my repayment obligations for over XXXX XXXX, and these breaches and mismanagement undermine the trust and security that should be inherent in the management of my student loans. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to ensure that my student loans are forgiven in light of the breach of contract, unauthorized access to my personal information, and the persistent mismanagement of my loan servicing. I am confident that the CFPB will recognize the gravity of this situation and take the necessary steps to protect my rights as a borrower. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

With highest regards and a shred of hope, XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Regarding my XXXX XXXX retail store account, I've taken to notice after paying the balance in full each month resulting in a XXXX balance, that XXXX XXXX charges an interest fee if the account is not paid in full consecutively. This is already in addition to the {$29.00} late fee they charge for a missed payment. When I spoke with XXXX XXXX today, I explained that I paid the prior month 's balance in full, so why am I being billed for an interest charge for {$2.00}? I was told that I am charged a " finance charge '' aka " residual '' interest fee because of the prior missed payment and that in order to avoid it, I needed to pay in full consecutively every month. I found it appalling and unfair as it makes no sense since they already assessed a late fee which I paid, and even though the balance is XXXX, they will still charge this residual interest charge, so it is like I am being penalized twice. The fact that this has happened on at least XXXX occasions, has made me file this complaint knowing I've paid the bill in full and expecting not to receive a bill the following month. I'm wondering have they done this to everyone? This dollars add up. The call today was resolved as the representative credited my account for this month 's {$2.00} charge. However, I am still on the fence about keeping this account open if they do not fix this erroneous duplicate penalty to their customers. I would like to request that my account be credited for these past interest charges since I opened the account, no matter how small, and that they resolve to either charge the late fee, allow the customer to pay in full and zero out the balance, and not incur an interest charge on an already zeroed out balance. In no document nor terms on the statement does it state they would do this. Only this : " HOW TO AVOID PAYING INTEREST. Your due date is at least XXXX  days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR,, Equal Payment or Budget Payment Credit Plan from the date of purchase. '' Therefore, I should never have been charged an interest fee for having paid my balance in full on time. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They stole my personal cridentials to open a car policy and a car load. i dispute this many times with experian and keeps coming back as accurate. this is unacceptable.

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 2025-03-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They stole my personal cridentials to open a car policy and a car load. i dispute this many times with experian and keeps coming back as accurate. this is unacceptable.

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 2025-03-13 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: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation