vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
1. ) When I tried to recertify my IDR while unemployed last year, they canceled my application and lowered my payment to {$2.00} instead of the {$0.00} I paid in previous periods of unemployment. Later when I called, I found out they had canceled my IDR certification claiming it was a duplicate and that's why I owed {$2.00}. 
2. ) I was in school at college from XX/XX/XXXX to present. At first my loans were on in school deferment, but in XX/XX/XXXX Mohela took them off deferment claiming my school needed to certify half time enrollment. They also showed me as suddenly owing interest on the subsidized loans that had been in deferment, and they sent me a message in their portal saying my in school deferment from the school had been denied. I called and messaged Mohela multiple times since XX/XX/XXXX, and my school submitted the requested form from studentaid.gov. Mohela sent me another message saying my in school deferment had been denied and failed to answer my previous complaint messages asking about this. 
3. ) I also had asked them to correct missing payment counts for PSLF on my 2 consolidated loans. That was not done and I have not received a response after multiple messages I sent. 
4. ) in XX/XX/XXXX, I paid back the 2 loans disbursed XX/XX/XXXX. Mohela emailed 2 letters that they were paid in full and removed the loans from my account. In XX/XX/XXXX, they put the loans back on my account and added interest to to the unsubsized loan. 
5. ) In XX/XX/XXXX, my school disbursed 2 new loans to me to be serviced through mohela. Neither loan is reflected in my account on Mohela, but the 2 previous higher loans that I had already paid in full were added back on Mohela 's site instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NY

Complaint narrative:
My name is XXXX XXXX and I have a US bank checking account. My Dad, XXXX XXXX, used to have a US Bank checking account and when registered he used my mobile phone number, XXXX, to register his online banking, since he has been sharing my phone that time, but since last month, when I log in to my US bank mobile banking, it keeps pops up that the mobile number is been used by someone else ( which is my Dad I think ). My dad has already canceled the US bank checking account, but the issue for me to log in to the US bank mobile app still exists and still keeps saying my mobile number is used by someone else which prevents me from logging in to the mobile app. I called US bank support several times but the issue has not been fixed. Please help me fix this error and thank you so much!

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a complaint against a merchant with Citi pursuiant to the card contract XXXX and XXXX policy. Merchant was XXXX XXXX XXXX XXXX, XXXX de XXXX. de XXXX who refused to accept a foreign card in violation of XXXX policy and Local consumer protection law. 

Citi instead of filing a complaint against that merchant, filed XXXX ( XXXX ) DISPUTES against a different merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Citi was contacted XXXX separate times to try to resolve this issue, remove the disputes, and has not done so. 

A complaint has now been filed directly with XXXX, XXXX XXXX XXXX, XXXX, MO XXXX Citi has not done what is required of them per XXXX Rules nor what it is legally required to do under Card Holder Agreements. 

Original letter to Citi attached. ( private info redacted )

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT. 

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL 3 COMPANIES ANOTHER VIOLATION OF MY RIGHTS

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 2024-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT.

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL XXXX COMPANIES ANOTHER VIOLATION OF MY RIGHTS

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 2024-01-24 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: FL

Complaint narrative:
I have an alleged late payment or missing payment on my Transunion credit report, which is not correct. I have not had any late payments, and the report does not even show what the alleged account is. This is incorrect and even though I have tried to get it fixed, I am ignored and this report continues on my 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 2024-01-24 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: CA

Complaint narrative:
I had an installment loan with XXXX XXXX XXXX XXXX XXXX XXXX ). Due to XXXX and several other health and family personal emergencies, I was delinquent on paying my monthly payments. In XXXX of XXXX, I paid the entire balance owing on the account. I requested that the company provide accurate account information to all three credit bureaus reflecting the current account status. I also requested that they remove any derogatory remarks in good faith as I was dealing with a great deal of stress during the time of this loan as I had several members of my family die of XXXX and had other personal and financial difficulties I was dealing with. 
When things improved, I contacted the company and Paid In Full my entire balance, despite the fact that they had written/charged off the entire amount of the loan roughly {$760.00}.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MS

Complaint narrative:
I was transitioned to MOHELA and I participate in the PSFL program. I am currently an emergency medicine resident and have been participating in the PSLF program for the previous 2 years. My payment was {$0.00} and my IDR recertification date has been moved to XX/XX/year> and therefore my monthly payment should be {$0.00}. On the MOHELA website they have failed to recognize this and I have a month payment of nearly {$3000.00}, which is incorrect. Ive called MOHELA numerous times and I have a confirmation number, but MOHELA refuses recognize the problem and they are being unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-24 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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Company was told it is not a valid debt. Continued calling every single day, sometimes twice a day despite being notified twice to cease calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
I have been fighting with these companies as well as the 3 main credit bureaus that these accounts are not mine. I have sent all information needed to show them that it was not mine and that I was a victim of identity theft. It also has been proven that more than one social security number was being used on my account. These are the following accounts XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b I have the right to privacy and I didn't give written consent for any of these accounts to be published on my credit report because they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
I have been fighting with these companies as well as the 3 main credit bureaus that these accounts are not mine. I have sent all information needed to show them that it was not mine and that I was a victim of identity theft. It also has been proven that more than XXXX social security number was being used on my account. These are the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b I have the right to privacy and I didn't give written consent for any of these accounts to be published on my credit report because they do not belong to me.

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 2024-01-24 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-24 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: SC

Complaint narrative:
Experian reports show multiple names that are incorrect. I tried disputing with no results

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 2024-01-24 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-24 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-24 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: OR

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 2024-01-24 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: FL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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