vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Employer : XXXX XXXX XXXX No other names addresses or employers should be listed on my account.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 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 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
Hello, I have been having trouble with Mohela for more than nine months now. Starting in XX/XX/XXXXXXXX  I received numerous communications about re-certifying my IDR plan. When I contacted Mohela about the discrepancy between when they were sending me and what was recorded on the student aid website ( https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart ) they attempted to force me to recertify via the phone. I was subsequently removed from my repayment plan in XX/XX/XXXX. I again contacted Mohela and told them that according to the federal student aid website all plans were supposed to be continued through the covid pause. Mohela then processed a recertification without my consent. I contacted Mohela again and told them I did not authorize that recertification and, requested they reinstate me back to my plan and payment amounts from XXXX  ( prior to covid pause ). I checked my payment information again, and my rectification date and both the date and payment amounts are still incorrect. They are blatantly telling me that they are not following the guidance from the federal student aid office, and that they are unaware of what information is provided to borrowers. The staff that answers any call ( after 3+ hours on hold ) is unable to do anything and even after promotion to a supervisor nothing is fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Loan was paid off and title to vehicle was issued and received with no lien recorded. A cease and desist letter was issued after continued harassment pursued. Loan amount was {$39000.00} and {$45000.00} was paid due to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My credit monitoring service XXXX XXXX Immediately notified me via an alert that someone was trying to obtain a Barclays Bank Delaware credit card in my name for {$4500.00}. I am requesting that this attempt be DELETED from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX XXXX TransUnion there are unauthorized use some one have been using my information I have not applied to any of these companys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on Experian XXXX XXXX there are unauthorized use some one have been using my information I have not applied to any of these companys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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. 


XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-10-04 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: 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. 


XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have a loan from XXXX XXXX ( Credit cards ) but I lost a job during the covid-19 pandemic. So having trouble paying my credit card with XXXX XXXX. So they give a charge off my balance. But this debt collector Midland Credit management a third party collector they start sending letters they to collect my debt that is already closed account. I want them to delete this Midland credit Management from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
This account is hurting me so bad. 
Ive sent dispute letters for over a year now and they are still reporting inaccurate information. no resolution, no response. 


XXXX XXXX  and XXXX 's inaccurate reporting of information has had a significant impact on my financial well-being and overall life. The inaccuracies in their reporting have led to several negative consequences : Credit Score Damage : One of the most immediate and damaging effects has been on my credit score. Inaccurate reporting, such as missed payments or delinquent accounts, has caused my credit score to plummet. This, in turn, has made it challenging to secure new credit or loans at favorable terms. It has also affected my ability to rent an apartment, obtain insurance, or even land certain job opportunities that require a credit check. 

Higher Interest Rates : Because of the lowered credit score resulting from XXXX XXXX  and XXXX 's inaccuracies, any new credit or loans I've managed to obtain often come with significantly higher interest rates. This has increased the cost of borrowing and made it more difficult to manage my finances effectively. 

Financial Stress : Dealing with the repercussions of inaccurate reporting has caused a great deal of stress and XXXX. It has led to countless hours spent on the phone with creditors, credit reporting agencies, and XXXX XXXX  and XXXX itself, trying to rectify the errors. The uncertainty and frustration surrounding these disputes have taken a toll on my mental and emotional well-being. 

Impacts on Financial Opportunities : The inaccuracies have also limited my financial opportunities. I may have missed out on favorable mortgage rates, credit card offers, or investment opportunities due to my tarnished credit history. This, in turn, affects my ability to achieve important financial goals and build wealth for the future. 

Legal and Regulatory Hassles : In some cases, I may have had to resort to legal action or involve regulatory authorities to address the inaccuracies. This adds an additional layer of stress and financial burden, as legal proceedings can be time-consuming and expensive. 

In summary, XXXX XXXX  and XXXX 'XXXX  inaccurate reporting of information has had a cascading negative impact on my financial life, including damage to my credit score, increased financial costs, heightened stress levels, missed financial opportunities, and potential legal and regulatory hassles. Resolving these inaccuracies and mitigating their effects has become a central concern in my efforts to regain financial stability and peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
I applied for the SAVE repayment plan initially on XX/XX/XXXX. Through this application, I was given an estimated monthly payment of {$460.00}. I also received an ecorrespondence from my loan servicer, Edfinancial, on XX/XX/XXXXXXXX  that stated that my student loan repayment amount has changed and my new payment amount is {$280.00} due on XX/XX/XXXX. This letter also stated that my federal student loans have been removed from the SAVE plan and placed on an Alternative repayment plan, stating that they did not receive my complete recertification application and income documentation by the deadline noted in the reminder communications sent to me. Unfortunately, I have searched high and low and can not find proof of any reminder communications sent to me from Edfinancial, including through my personal email, physical mail, or the inbox on the Edfinancial website. The only " reminder '' I could even guess was related to this matter is on my home page of Edfinancial and it states that my " Income-Driven Repayment plan is due to expire on XX/XX/XXXXXXXX  ... '' This date is clearly not a real date?? Also, my current amount due on XX/XX/XXXX is now {$510.00}, which is neither amount that I was told by the SAVE application OR Edfinancial themselves. I also see no indication on Edfinancial that this {$510.00} amount is representative of the SAVE plan. On studentaid.gov, it says that the application that I submitted on XX/XX/XXXXXXXX  was somehow reviewed on XX/XX/XXXXXXXX  by my loan servicer but then the review of the application was completed on XX/XX/XXXXXXXX  which does not make any sense unless Edfinancial can somehow go back in time. I attempted to email/contact Edfinancial several weeks ago about these mismatching monthly payment amounts and I have not heard anything back. I attempted to call them and was told that the estimated wait time was upwards of 900 minutes, which I don't have time to wait for. I also submitted another SAVE plan application earlier today ( XX/XX/XXXXXXXX  ) and was told the same estimated amount of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: PR

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violented my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 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 my make any consumer report containing reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts were opened without my consent or knowledge. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX reported to the creditors XX/XX/2016 for a auto loan for XXXX on my credit report PACIFIC CREDIT EXCHANGE bought my collections from XXXX XXXX and its reporting on my credit report twice same amount different names I do not have a contract with pacific credit exchange. they did not provide me with the original contract as I requested 6 months ago

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