vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/2023 to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX  blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/2023. I have been harmed financially, personally, and mentally.

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 2024-01-19 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
My student loans have been on XXXX XXXX XXXX plans since XXXX. I have asked Mohela and the Dept of Ed numerous times to tell me where they stand under the Expanded waiver terms because I believe that they should be at or very near forgiveness under the waiver, but all I have gotten is my XXXX  counts and Mohela keeps insisting that my loans only go back to XXXX, which is totally incorrect. I cant get either side to listen to me and go back to my loans origination date because all my loans are now interest making interest. I never agreed to consolidate them the first time and was unaware that they had been consolidated until last year. I am onlynaaare if my consolidation in XXXX. So, please tell me what I need to do to help you to help them audit all of my loans and their payment/status history so I can get complete credit. I have proof of them being in an XXXX  XXXX  and whatever else you might need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There were a multitude of fraudulent charges made on my credit card account. I contacted my bank, Chase, to file a dispute to have these charges investigated. My bank did waive most of the charges in my favor, however they insisted that some of the fraudulent charges were made by me. Their reasoning for this was " You received benefit from this transaction. '' I did not receive any kind of benefit from these transactions as they were not made by me. I've included the charges below. 

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/ I sent {$5600.00} through PayPal to an account overseas for my fianc. PayPal took the money out of my account and will not issue the money to the recipient. I called PayPal and demanded a refund or the release of the money. PayPal is refusing. This should not be happening. I would like for the money to be released to the recipient or refund it back to my account. I hope you can help me with this problem. Thank you in advance XXXX XXXX. The PayPal email address used was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-19 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: MD

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/XXXX I went to transfer money from my account into another one of my accounts. I was told there was an error and I needed to call a XXXX number. I did. I was told my account was being moved to a forced closed status but there were no notes to indicate why. I had a bank manager call and the bank representative told the bank manager the same exact information I was told. The Bank manager asked for further information or details but was told that no additional information is available and that the department in charge of closing the account and releasing the funds is a no content department and can not be called or spoken with. The Bank has thousands of dollars of my money. No explanation or time line has been given and the bank refuses to give any information.

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 2024-01-19 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:
On XXXX of XXXX I sent a dispute to XXXX credit bureau in this dispute, I challenged the following inaccurate, incomplete, and unverifiable data that has been placed on my consumer report. XXXX XXXX XXXX XXXX account no : XXXX and and XXXX XXXX XXXX XXXX account no : XXXX The following accounts are a result of Identity thief, I contacted XXXX, I provided the following documents an Identity thief report, a XXXX XXXX Police report XXXX along with other documents that proved that I was a victim of Identity thief. These accounts were then deleted by XXXX, 30 day later without notification these account were reinserted violating the FRCA 611 15 USC 1681 i that states ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or it if authorized by the consumer for that purpose, by any other means available to the agency. XXXX is also in violation of FCRA 611 15 USC 1681 i ( B ) Certification of Accuracy of information of previously deleted material. XXXX is indirect violation of the FCRA 611 15 USC 1681 i and Federal law, I never received a notice in writing or any other way they had 5 business days to do so and they failed to do so, causing my credit score to drop causing me harm, I am enclosing a document from XXXX were they state that they did delete these accounts and then rescinded, I demand that these accounts be deleted because XXXX failed to INFORM ME IN WRITING NOT LATER THAN 5 DAYS, of the reinsertion furthermore they never furnished me a copy of the certification of accuracy of information. from them or the creditor.

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 2024-01-19 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: CA

Complaint narrative:
I have past-due / missed payment on my account because of MOHELA mismanagement. 

On XX/XX/XXXX, I was informed by MOHELA via phone that my account was placed on administrative forbearance from XXXX through XX/XX/XXXX because I didnt received my XXXX billing statement 21 days prior to payment due date. I was told my first payment wont be due until XX/XX/XXXX. This message was also on my account alerts and played on recorded message whenever I called MOHELA. 

My MOHELA account showed that I had a payment due on XX/XX/XXXX but I never received a billing statement for that month. Meanwhile my account still show alert about forbearance mentioned above. I called about this issue on XX/XX/XXXX and XX/XX/XXXX. I was advised to ignore the due payment. On XX/XX/XXXX, the agent informed me she did not see my account displaying administrative forbearance for XXXX but she can see the same account alert I receive. The agent told she placed an expedited request to have this issue fix and the XX/XX/XXXX payment due would be retroactively remove by XX/XX/XXXX. 

I called again on XX/XX/XXXX regarding overdue payment and was told itll take XXXX business days for administrative forbearance to show for my XXXX and overdue payment be removed. On XX/XX/XXXX, I also received an email from MOHELA, informing for the first time that Please note, your forbearance may not go through the end of XXXX if there were other changes that have occurred on your account. This could be a result of activities such as application processing, your request to have the forbearance removed, or other actions. Please closely review your billing statements and notifications for your latest account status. This is the first time learning about this. I had requested my SAVE amount recalculated in XXXX, which was completed in XX/XX/XXXX. 

I called again on XX/XX/XXXX and am now told the request placed on XX/XX/XXXX could take 7-10 business days. Today is at least 10 business days from XX/XX/XXXX and the issue is still not resolved. I tried calling today to speak to supervisor but received automated message saying I would receive a call back but I never did. I made a payment yesterday for my overdue XX/XX/XXXX bill and am making another payment tomorrow for XX/XX/XXXX bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
Credit Management Company reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. Credit Management Company doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Nelnet, Inc.
State: WA

Complaint narrative:
Today, Nelnet charged an old checking account number for an automatic payment. I never signed up for automatic payments and I never gave them my checking account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I have reviewed my consumer report and noticed a charge off from XXXX  XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely 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 2024-01-19 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:
I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes about inaccuracies on my report. This is a violation of my federal rights and demand this gets resolve 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 non-monetary relief
Consumer complaint received 2024-01-19 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: AZ

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 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 2024-01-19 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: AZ

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX broke the HIPAA law and FCRA by sharing my protected health information with a third party for them to collect of the alleged debt for them. This would be totally legal if XXXX XXXX XXXX office and I had a written agreement where I gave my written instruction to furnish this information to a third party for any reason. Not only is it a violation of the HIPAA law it's also a FCRA violation. I demand remedy for all laws violated. 
Contract law would be the only thing binding me to a debt with either of these companies and I have yet to receive a copy of an enforceable legal agreement signed by both parties. Anything less would be unilateral and void and or non enforceable. It is said that consent is obtained through meditated imposition or circumvention, it is to be treated as a delusion, and not as a deliberate and free act of the mind. 17 American Jurisprudence 2d 151. Fraud is material to a contract would not have been if the fraud had not been perpetrated. 
Furthermore, this attempt to collect on a debt violated numerous other laws. This company didn't have the decency to collect my physical address from this company but instead decided to contact me by an old email address that was possessed only by XXXX XXXX. 
I made a phone call to this company on XX/XX/XXXXto request that they cease and desist contacting me and I was told on a recorded line that they would not stop reaching out to me but that they had to collect on the debt because they had been paid to do so. That within itself is false and misleading. This company thinks I am not aware of the law or how to enforce them when a company is non compliant. Which is why Consumer Protect Laws are even a thing. These companies act as if they do not have to abide by them because consumers are afraid of litigation. I assure you that I am not. 
I have attached my written complaint that was mailed to both companies for settlement of their violations. Otherwise this matter will be brought to Federal Court and put in front of the public for scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RFNA, LP
State: SC

Complaint narrative:
Republic Finance Company in XXXX S.C.. On XX/XX/year> I applied for a loan and received it with additional add-ons for XXXX XXXX membership for {$1300.00}. Which I received back. But My disgust was it wasn't mention to me while signing my documents. When I looked back over my documents thats when I notice it. I read about The XXXX XXXX  loan company and it was the same problem I had. Just reporting them.

Company response to consumer: Closed with monetary relief