vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
With Mohela have XXXX loans, a Direct Unsubsidized Loan in which my monthly payment is {$21.00}, another Direct Unsubsidized Loan in which my monthly payment is {$130.00}, and a Direct Grad PLUS loan in which my monthly payment is {$270.00}. My total monthly bill is {$430.00} I applied for an IDR Plan Request on XX/XX/XXXX and applied for general forbearance on XX/XX/XXXX. I also uploaded tax and income documents to Mohela on its website. It is now Friday XX/XX/XXXX, and my next loan payment is due on Sunday, XX/XX/XXXX. 

I paid my XXXX bill of {$410.00} on XX/XX/XXXX, and am now going to have to make my XXXX payment before any meaningful update at all on my status from Mohela. In total, I will have been charged {$840.00} in total without any update or assistance. 

I attempted to call more than once so that I could expedite an administrative and/or processing forbearance ( despite requesting one over a month prior ) while my IDR request is still being considered. 

During the first call, the Mohela automated customer service agent couldn't verify my account based on my Social Security number, which I am positive is correct, as I verified more than once. As I had to begin work, I had to give up the attempt at calling. 

The second call was made today, Friday XX/XX/XXXX, the chance at speaking to a human before my next payment was due. My social security number was still unable to be verified, and my account number took XXXX attempts ( once more, I am positive the numbers were correct ). After finally getting past this stage, I was placed on hold for around 2 hours until the company 's business hours were up. 

In summary, I applied for forbearance as I requested an IDR. Over a month later, I have received no meaningful update, and will be forced to make a second payment, leading my total to be over {$800.00}. All attempts to reach Mohela customer service via phone were futile through no fault of my own, but rather the company 's mismanagement of Hold Times and automated systems. I am in a financial situation where paying this amount of money would compromise my financial well being in a crucial way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I requested validation of a debt from LVNV Funding LLC/Resurgent Capital Services regarding an alleged debt. I asked for specific documentation, including proof of the debt, the Statute of Limitations, their legal right to collect, and confirmation that the debt had not been forgiven by the original creditor. 

On XX/XX/year>, I received a partial response that only included limited information ( debt verification and the original creditors name ) but did not include the necessary documentation to fully validate the debt. I followed up on this request multiple times : XX/XX/year>, XX/XX/year>, and XX/XX/year>, but I have not received further communication or documentation from the company. 

Despite the incomplete validation and failure to follow up, LVNV Funding LLC has continued to report the unverified debt to the credit bureaus, causing significant damage to my credit profile. I have made multiple attempts to resolve the issue, but they have not provided the documentation requested nor stopped their collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: TX

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 2025-01-04 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was involved in several data breaches and I have reached out to the reporting agencies to have them removed the information and proposed debts that I deemed as opened fraudulently. XXXX XXXX XXXX XXXX XXXX reported and says opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX reported and says opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported and says opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I presume that no alleged debt exist Under section 605B 1681c-2 I request that you block reporting of any information due too fair reporting act. I have asked for debt validation letters under 15 usc 1692 G.

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PR

Complaint narrative:
I contacted the company Debt Recovery Solutions and they sent me the receipt that they bought the debt. And that doesn't reflect or confirms that the account its mine or that I was involved in that transaction. Once again I do not recognize the account or the creditors. I have not sign any contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
An unauthorized XXXX XXXX account was fraudulently opened in my name without my knowledge or consent. I discovered this account when reviewing my credit report. 

I reported the fraudulent account to both XXXX XXXX and the credit bureaus, providing an identity theft affidavit and supporting documentation, including a police report. Despite this, XXXX XXXX has claimed that payments were made to the account from a XXXX XXXX XXXX XXXX account. However, I have never held an account with XXXX XXXX XXXX XXXX, making their assertion invalid. 

I submitted a dispute to the credit bureau under the Fair Credit Reporting Act ( FCRA ), requesting the removal of this fraudulent account from my credit report. To date, the account has not been removed, causing ongoing harm to my credit profile. 

I request immediate resolution of this matter, including the removal of the fraudulent account from my credit report and written confirmation of the action taken.

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 2025-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. Although they were removed before, they have been added back without my awareness. I was neither notified of this change nor received any correspondence in the mail.

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account with XXXX was closed in XXXX randomly I decided an email from XXXX stating my funds would be mailed to me in XXXX days. I called them last week after not receiving my funds for over a month and was told my fund were wired to an external account. It took me three different representatives to get any sort of confirmation number. I explained to the representative that I never linked any other bank accounts to my checking so I was clueless what account my money was wired to. They gave me the trace number and said to follow up with XXXX I called XXXX and they could not locate my account they used my social to pull up the wire since I dont have an account with XXXX the representative said the wire was sent back the same day to XXXX XXXX XXXX is saying they have no recollection of the amount of funds that were in my account either now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Lending Base Inc.
State: TX

Complaint narrative:
My loan company has not maintained proper records of each of my repayment transactions. They even failed to account for {$50000.00} of principal that I have repaid and initially demanded an additional repayment of over {$90000.00}. After further communication, this amount was adjusted to over {$40000.00}. Upon continuing to reconcile the accounts, I discovered that I have actually overpaid my loan. Throughout the duration of the loan, I did not receive any statements or receipts. When I raised the issue regarding the statements, they initially denied the discrepancies and even resorted to insulting me. I suffer from serious XXXX XXXX, having communicating with the loan officer whole day long pointing out their error, I was insulted by the loan officer last name XXXX XXXX # XXXX which caused me to experience feelings of sadness, anxiety and tiredness.

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 2025-01-04 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: CA

Complaint narrative:
I received a gift card for {$400.00} and was able to use about {$300.00} of it at a resort area on XX/XX/XXXX. There is now {$68.00} left on the card on XX/XX/XXXX and it is declining despite the company saying that there is still money and it is still active. It declines on XXXX, it declines on XXXX, it declines at XXXX and XXXX, the remainder on the card is simply not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all of my documentation as well as victim determination letter according to 100.142 ( b ) ( 6 ) The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2025-01-03 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-03 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: LA

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 2025-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XX/XX/year> happened, decreasing XXXX grads and un-surety on employment in the future of those students effected.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I have never lived in any state other than Michigan. 

I have never lived on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I have never lived in any state other than XXXX. 

I have never lived on 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 explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as 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 explanation
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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