vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: MOHELA
State: HI

Complaint narrative:
MOHELA is not acknowledging and correcting payment count from my XX/XX/XXXX XXXX XXXX XXXX as one loan for the purposes of the XXXX XXXX. 

According to MOHELA 's website my qualifying payment count is INCORRECT. 

The overall Payment count is incorrect as they have not certified my Employment, from a period of XXXX XXXX ( XXXX XXXX hours a week ) of employment from a qualifying employer during a qualifying time period, fro XX/XX/XXXX to XX/XX/XXXX, which would put me well over the qualifying XXXX payments for XXXX XXXX XXXX XXXX. 

I have resubmitted all the ( corrected ) forms to be processed due to an original error by the employer to submitting incorrect hours. However it has not been acknowledged or corrected. 
I have made multiple attempts in the last 3 months with MOHELA to acknowledge this significant oversight and for payment counts to be corrected. I have even applied for XXXX reconsideration due to the incorrect count. 
I have submitted all the forms to be processed and corrected and it has not been corrected. That is a total of 65 months of payments that needs to be added to the overall payment count for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: SC

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts on my report.Please remove these fraudulent accounts they are hurting my ability to obtain credit

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 2024-05-14 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 emphasizes the crucial responsibility of consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy rights. Experian, as consumer reporting agencies, are obligated to uphold these standards. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions must prioritize customer privacy and confidentiality.

According to 15 USC 1681, Section 604, a consumer reporting agency can only furnish a consumer report with the explicit written consent of the consumer. XXXX, Experian, and any financial institution ( the " Furnisher of information to credit agencies '' ) are not authorized to share my information without my explicit written consent. Therefore, any previous consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization. Yet, they continue to report adverse information about my account without my consent, violating the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the use of consumer reports to authorized purposes. XXXX and Experian are evidently failing to uphold these standards. 

Lastly, 12 CFR 1016.7 guarantees consumers the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

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 2024-05-14 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: IL

Complaint narrative:
I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank sent me a text saying my account was about to be closed due to being a liability to it due to making a claim of an insurance XXXX company that charged me for insurance I didnt need. The representative my account was to be closed automatically by the end of XXXX. However, that was not the case and my account is still open but debit cards has been disabled as well as bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: UT

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just order a copy off my credit report and noticed a bankruptcy on my file. Please delete it from file.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just order a copy off my credit report and noticed a bankruptcy on my file. Please delete it from file.

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 2024-05-14 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:
Pertaining to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-05-14 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 not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-05-14 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: NV

Complaint narrative:
Account Information : The XXXX XXXX account in question has been inaccurately reported on my credit report by Experian. Despite my efforts to dispute the information and provide supporting documentation, it has not been updated or removed from my report. 

Previous Disputes : I have previously submitted disputes regarding this XXXX XXXX account to Experian. While they have acknowledged receiving my disputes, they have failed to take appropriate action to correct the inaccuracies. 

Communication with Experian : Despite my repeated attempts to communicate with Experian, including providing additional evidence to support my dispute, the inaccurate information remains on my credit report. 

Request for Resolution : I am requesting the immediate correction or removal of the inaccurate XXXX XXXX account from my credit report. This misinformation is negatively impacting my credit score and financial well-being. 

Enclosed with this letter are copies of previous dispute communications with Experian, as well as any supporting documentation related to the inaccurately reported XXXX XXXX account. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request that you investigate this issue promptly. I also request that you notify me of any actions taken or additional information required to resolve this dispute. 

Thank you for your assistance in addressing 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 explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
They keep reporting that I have an open child support case in New York which is false. The only child support case I had was from the state of Florida and has been closed for XXXX years. I never once had any case in New York and the case is closed not open. They are falsely reporting that account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I purchased a {$15.00} Google Play Gift Card from XXXX and now I am having trouble using the XXXX XXXX. I have contacted Google, provided them with the necessary information and I still can not activate the 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union XXXX I even filed the police report, which I already attached to this report. Are XXXX hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXX XXXX XXXX which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX XXXX XXXX  Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are XXXX hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/2024 on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these XXXX accounts have not been removed yet.

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 2024-05-14 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: PA

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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached idtheft report XXXX. XXXX XXXXXXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

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 2024-05-14 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: TX

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 inructions 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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of this year, I called BMO to close the credit card account, they agreed to send a refund check to me which included {$27.00} for a 'fee ' that was that was their error and they acknowledged the error in a letter. The {$27.00} plus the remaining rewards amount which was between {$11.00} to {$14.00}. was to be refunded to me. The BMO credit card representative explained it would take about 2 weeks to process. 

I never got the check from BMO. 
I called to find out the status on the following dates the answer was it was being processed : XXXX, XXXX, XXXX - BMO said it was sent out again XXXX Upon calling on XX/XX/XXXX, the BMO rep told me it was only a check for XXXX and the check cleared on XXXX. I asked why they didn't let me know when I called before? They said the information was just available. I want to see the endorsed copy of the check or get the refund check sent to me ASAP.

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 2024-05-14 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: IL

Complaint narrative:
Please remove these inquiries, as I was not informed about them, and the company did them without my consent.

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 2024-05-14 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: TX

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 inructions 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 2024-05-14 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: TX

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 inructions 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