vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: MI

Complaint narrative:
I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately.

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.

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 2023-10-25 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: MI

Complaint narrative:
I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.

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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Mohela has horrible customer service. Wait time is ridiculous 45 minutes to 1hr. Placed on hold multiple times after speaking to a representative. If you ask to speak to a Supervisor I was told that I would be on hold for hours. Also, I'm being told different information when I call about my PSLF payment that have not been updated. This is the worst company to service student loan accounts. I will be looking to transfer my loans to a different servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
This complaint is a follow-up from my previous CFPB complaint ( ID # : XXXX ). On XXXX XXXX, XXXX, XXXX, my current PSLF loan servicer, sent a letter that confirmed that the time I worked at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) had been approved as eligible under the employment criteria for PSLF forgiveness consideration. On XXXX XXXX, XXXX, I spoke to XXXX, a XXXX representative ( ID XXXX ), who informed me that my loans were not under a qualifying repayment status, which has barred considering my time at XXXX as eligible for forgiveness under PSLF guidelines. She informed me that my loans were listed under " unemployment deferment '' from XXXX XXXX, XXXX until XX/XX/XXXX and under " Graduate Fellowship Deferment '' from XX/XX/XXXX to XX/XX/XXXX ( note the coinciding dates between between the two ). The reason why my loans were listed under unemployment and graduate fellowship was due to corporate malfeasance and misinformation provided by Navient, my prior loan servicer. I have shared this information to the Federal Consumer Financial Protection Bureau ( CFPB ) in a prior complaint ( ID # : XXXX ). On XX/XX/XXXX, I submitted a PSLF/TEPSLF Certification & Application form to XXXX for the time I worked ( XX/XX/XXXX to XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Unfortunately, a letter sent by XXXX XXXX XXXX, dated XX/XX/XXXX, incorrectly identified my employment begin and end dates at XXXX. On XXXX XXXX, XXXX, I raised this issue with the same XXXX representative, XXXX, who alerted me that despite my meeting the 30hr minimum employment requirement, I did not meet the " full-time '' employment status that would allow for this period of time to count toward PSLF consideration. She then advised that I contact my former employer to call her office to " verbally confirm that I worked 'full-time ' at XXXX, which would be an acceptable method to approve this period to count toward PSLF forgiveness. She also suggested that I submit a PSLF reconsideration form to Federal Student Aid, which I sent on the same date. I kindly request that the CFPB insist that Federal Student Aid conduct a thorough review of my materials and consider the time I worked at XXXX ( 25 months ) and XXXX ( 7 months ), which will place me well over the 125 months of PSLF qualifying payments. I also ask that the CFPB follow up with XXXX regarding my prior complaint ( ID # : XXXX ) to halt future monthly automatic payments ( {$440.00} ) starting on XXXX XXXX, XXXX. I see no reason why I should be asked to pay for loans that would have already been eliminated by this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Kornerstone Credit,  LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX. I picked out furniture I wanted. I was told that financing would be with Kornerstone Credit. I did not receive a lease to sign. Furniture was delivered once ( wrong furniture ), second time damaged furniture, store couldnt repair furniture in home. Talked to XXXX and XXXX, store managers and told them I do not want the furniture. They both agreed to cancel order and relayed this to a XXXX at Kornerstone Credit so I would owe no money. I have several emails from Kornerstone Credit. On XX/XX/XXXX Kornerstone Credit sent me and email stating my time to sign lease had expired. In XXXX, I had a lease with Kornerstone Credit that I paid off. Kornerstone Credit used that information to debit my account for {$260.00} on XX/XX/XXXX after I was told by XXXX at Kornerstone Credit my furniture order ( XX/XX/XXXX ) was terminated by the store and I wouldnt be charged. XXXX called and confirmed this information with the store manager XXXX. I was told by Kornerstone Credit in order to get a refund, I would have to go pick the furniture up and bring it to my house. I do not have this furniture and Kornerstone Credit still debited my account and refuse to issue me a refund of my initial {$50.00} plus the {$260.00}. Kornerstone Credit has consistently called, texted and harassed me and still trying to debit my banking account. I never physically signed a lease with Kornerstone Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each XXXX XXXX XXXX now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I believe I have been a victim of identity theft. I have never transacted business with this company. I have a fraudulent account reported on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Netspend Corporation
State: AZ

Complaint narrative:
I have a person by the name XXXX XXXX opening cards, getting insurance etc under my personal address and last name. There are no know XXXX in the XXXX family

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 2023-10-25 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: PA

Complaint narrative:
This is a request per Title 15 1681i, Request for Description of Procedures used to Determine the Accuracy and Completeness of information verified that I disputed via CFPB Complaint # XXXX XXXX Submitted on XX/XX/. 

Unfortunately, I received results on XX/XX/XXXX  and I am requesting that Experian furnish the names of who they spoke with along with their addresses and telephone numbers. I am requesting Experian provide evidence of the reasonable procedures used to to come to such a conclusion that led them to verify these items. 

The basis of my dispute is I did not give PERMISSION for these accounts to report and Federal Law states it is an illegal act according with 15 USC 1681 Section 602 states I have a right to privacy and Section 604 states a credit reporting agency can not furnish an account without my instructions. 


If Experian can not provide the information I have requested in accordance with 1681i then delete these accounts. 

1 ) 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They received a {$970.00} check in my account that was closed which was from social security I have talked to representative after representative after representative and they told me that a check was supposed to be sent to me in a cashier 's check for {$970.00} it is my social security check I have not received no check whatsoever and I'm repeatedly being told that I have to wait XXXX business days for the receive the check now it's been over 10 days so they canceled the check and reassured me another check still no check then they canceled it again and sent me another check no check whatsoever I am fed up with it I have repeatedly told them I will be taking further actions against them and I am in the process of contacting social security to let them know what's going on and I am fed up I am angry I've been treated unfairly and on top of it I'm pretty sure the bank is racially profiling me which is a big ordeal I have never done anything wrong to anybody and I'm getting profiled I'm getting disrespected on top of getting discriminated against

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NC

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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page 5 of 9 of the federal consolidation loan application and promissory note. Nelnet send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. Nelnet without the Disclosure Statement and Repayment Schedule means no money was distrubited. Nelnet on page 2 of 9 of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXX XXXX XXXX XXXX XXXX  why? The loans listed on page 2 are not my federal student loans. Nelnet send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
Nelnet you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. Nelnet you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. Nelnet you have damaged me. Nelnet it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint Nelnet does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file.

Nelnet send me the Disclosure Statement and Repayment Schedule now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I am writing to report a serious error in my XXXX consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: VA

Complaint narrative:
I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Experian concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act.

In response to my dispute, Experian has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute.

I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation