vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 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: SC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-11 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: OR

Complaint narrative:
Mohela incorrectly capitalized the accrued interest from my loans into the principal balance of the loans. My accrued interest as of XX/XX/XXXX was {$4900.00}. On XX/XX/XXXX Mohela sent me a statement which showed my accrued interest had been changed to {$470.00}. The previous amount of accrued interest was shown to have been added into the principal balance on the loans. I called Mohela about this on XX/XX/XXXX. Neither the service representative nor the supervisor were able to confirm the interest had been capitalized nor were they able to revert the accrued interest. Mohela never sent me any correspondence stating that changes were being made to my account or that they had capitalized interest. 

Mohela is also over-charging interest on my loan. The " interest rate reduction '' of .25 % that I am entitled to receive for being enrolled in autopay has been suspended on my account. I have since been required to make a payment on the loan at the higher interest rate. This payment was made through auto debit. I called Mohela on XX/XX/XXXX to have the rate reduction reinstated. As of XX/XX/XXXX the reduction continues to be listed as suspended. 

Mohela is charging me a higher payment than I am required to pay. Mohela required me to recertify my income for my income based repayment plan in XXXX of this year which increased my payment from {$110.00} to {$330.00}. On XX/XX/XXXX, the Department of Education released guidance stating that the deadline for income recertification was extended to XXXX of XXXX and that anyone who had been required to recertify prior to the announcement would have their payment reverted to the amount prior to recertification if the amount had increased. I have called Mohela several times since XXXX requesting that the payment is reverted per Department of Education guidelines. I am told that they will revert my payment within 10-15 business days but Mohela continues to bill me for the incorrect amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I have previously disputed the validity of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, I have not received satisfactory documentation that substantiates the existence and accurate nature of this debt. 
As a consumer, it is my right to request and receive proper validation of any alleged debt. I am fully aware of my rights under the FDCPA and FCRA, which include the right to request verification and validation of the debt, as well as the right to dispute any inaccuracies or inconsistencies found in the information reported to the credit bureaus. 
In light of the aforementioned, I kindly request that you provide me with the following information to validate the debt

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 2024-06-11 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
This account was paid not reopened

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This account was paid not reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts. 

Furnisher : XXXX XXXX XXXX XXXX  with an original balance of ( {$2000.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA XXXX 

Furnisher : XXXX XXXX XXXX XXXX  with an original balance of ( {$3500.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA XXXX 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery of my validation of debt letter or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX  DISPUTE REASON : Payment history incomplete REQUESTED ACTION : please remove it from my credit report for violation of the FCRA. 
This account has NO Payment History being furnished but is reporting as a charge off.

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 2024-06-11 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.

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 2024-06-11 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: AZ

Complaint narrative:
I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
On XXXX of this year ( 2024 ) I reached out to XXXX about changing my payment due date from the XXXX of the month, to the XXXX of the month. The online request was submitted and validated by a customer service representative, mentioning that the change should occur within the next month. Ever since, I have been calling EdFinancial on a monthly basis, as my payment due date is not being changed, and the status is constantly reported as " in-progress '' when I speak on the phone with a representative. 

This is putting me in a precarious financial situation, as my current employer only pays once at the end of the month, putting me in a challenging situation to make payments on the XXXX. Of increasing frustration, when I called in XXXX about this, I was offered the option to have my payment put in emergency forbearance for a month, as I was in a bad financial situation that did not allow me to make the XXXX payment date. My loans then accumulated a principal of almost {$4400.00} due to their ongoing mishandling of this payment due date change ( unless I am understanding the attached file wrong, as Edfinancial does not make it easy to understand or navigate account information ). 

The fact that this has yet to be resolved after nearly half a year is extremely upsetting, and I consider all of their actions in this matter to be abusive and taking advantage of people 's financial woes to build up more interest on their accounts. The request has also been put into " emergency status '' twice now, which frankly seems to mean nothing other than a hollow reassurance that something is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I called Navients Office of Consumer Advocate at ( XXXX ) XXXX and requested the School Misconduct Discharge Application. 

I attended XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which is an XXXX XXXX. ThXXXX XXXX XXXX  were found to be predatory institutions. 

I urgently need my Private Loans with Navient to be discharged, hence my immediate request for the application. 

Navient Consumer Advocates did provide me with the application because the school was a non-profit ( not true ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection account. {$1200.00} past due as of XX/XX/XXXX. 

Account Number Provided : XXXX Original Creditor : XXXX XXXX  The account with XXXX XXXX  was set up fraudulently in XXXX or XXXX with identity theft at an address that I have never lived at : XXXX XXXX XXXX, XXXX, NY XXXX This situation happened once already with a different collections company and was cleared/deleted from my credit report. The collection company from the last issue was XXXX XXXX XXXX XXXX. 

I have spoken to XXXX XXXX many times about this and their fraud department assures me that the fraudulent account was closed immediately when the original identify theft took place and I do not have any dollar owed to XXXX XXXX at this time. Actually, I have never even had a legitimate personal account opened with XXXX XXXX 

Please assist me with getting this cleared from my credit report once and for all. 

Thank you.

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 2024-06-11 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: AZ

Complaint narrative:
I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, # XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.

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 2024-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a physical Amex Gift Card which as of XX/XX/year> still shows an original balance of {$100.00} when I check it on the website on the back of the card. However, each time I have attempted to use this on XXXX or XXXX XXXX and XXXX XXXX   at full or half value, the transactions are declined. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief