vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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 following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries are in violation of my rights : 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 In accordance with the Fair Credit Reporting Act, the following inaccurate personal information is in violation of my rights : XXXX XXXX ( Not my legal name ), XXXX XXXX XXXX ( not my legal name ), XXXX XXXX XXXX XXXX XXXX TX, XXXX ( Not my address ). XXXX ( Not my spouse/co-applicant ). 

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 an account without my written instructions.

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 2023-10-18 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: Nelnet, Inc.
State: TN

Complaint narrative:
I have been paying my XXXX  loans for XXXX years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to XXXX XXXX XXXX ( XXXX ) since 2015 ( 8 years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of 8 years and they will not. They refuse and I am worried that my 8 years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called XXXX and they told me to file a complaint against Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/. I called discover and spoke to a customer service agent about going on a potential payment plan since I was a month behind because I'm a college student who works part time and has no extra money to pay off the outstanding debt. The agent then proceeded to put me on a {$68.00} dollar a month with lower APR for 12 months and issue a {$100.00} statement credit towards my balance to help get back to good standing again. The agent then proceeded to put me on hold while doing this and the system went down at around that time. I was also asked to schedule 3 automatic payments for the upcoming months to have the payment plan effective. After several months and paying what was required at the time, I recieved a letter stating my account is heading to default and missed 3 payments since XX/XX/. I have reached out on XX/XX/XXXX over the letter and the agent was rude and told me no payment plan was established and then proceeded to ask for the money and refused to talk to a supervisor. I then proceeded to call today, XX/XX/XXXX about this issue and I was told they can not because they are short staffed and very busy. I have asked for a supervisor but I was placed on hold and never heard anything back. They claim no record was shown and I have to pay them {$300.00} to get back in good standing but unfortunately I don't have that money to send them to get back on good standing. I'm a college student who used to discover to help pay for college and expenses for everyday needs as my job was reducing hours because of slow season and everything. I have been trying and I have been paying them with what the original agent has placed me on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act XXXX  account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
Mohela has mishandled my student loans. I was transferred from XXXX to Mohela. XXXX approved my XXXX driven repayment plan for a cost of aproxiamtely $ XXXX. Upon the transfer to Mohela, Mohela " lost '' this application and informed me that I now owe {$390.00} a month. I reapplied for XXXX and uploaded supporting documents from XXXX and applied for forbearance. I called Mohela on XX/XX/XXXX. After nearly XXXX hours on hold, a representative told me " you did everything right '' and my forbearance would be approved by Monday, XX/XX/XXXX and I would not need to pay. 

Mohela 's auto debit system failed and did not bill me the ( again, incorrect ) amount of {$390.00}. Instead, Mohela put my account into delinquency and when I called again today ( Wednesday, XX/XX/XXXX ) Mohela 's automated phone system warned me that a collections agency would gather information to use against me, despite XXXX XXXX 's so-called " on ramp '' of not reporting delinquent payments to creditors. 

Additionally, my XXXX has been denied, despite the fact that I only make {$39000.00} a year after tax. 

I do not know if I still qualify for XXXX XXXX XXXX XXXX. I just resubmitted an IDR application with documents attached ( which are not required ) and Mohela is showing that I applied for REPAYE when I applied for XXXX. 

I have been on hold for an hour again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, A 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LUXURY MOTOR Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA 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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt. 
After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates. 
On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt. 
I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). 
Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here. 
I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TX

Complaint narrative:
On XX/XX/, I received a letter from REVCO Solutions Inc, XXXX XXXX Ohio- regarding an alleged outstanding balance owed to XXXX XXXX XXXX XXXX XXXX Tx XXXX for a total of $ XXXX from XX/XX/XXXX XXXX I emailed a response on same date XX/XX/ via email where I presented all docs showing that I do not owe any money to this Hospital since I did not authorize any type of medical services from them. I also specifically demanded a Cease and Desist action but this company kept contacting me via phone at all hours. 
I request from this company to rectify their error sending me a threatening letter to collect money that I do not owe based on evidence of no medical services rendered by their doctors XXXX XXXX ( ER Physician ), XXXX XXXX ( Radiologist ) and XXXX XXXX XXXX XXXX ; all of them provided {$0.00} balance statements. 
It is a shame this company REVCO Collection Agency invested on a bogus outstanding balance portfolio from this Hospital based on unauthorized medical services allegedly provided.

As I requested before, I request a Cease and Desist from this company and to update their systems by dismissing alleged outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
I closed my axos banking-checking account out of XXXX XXXX CA XXXX XXXX XX/XX/XXXX. I had been a member there for 4 years. 

I opened a checking account with the online financial company, XXXX. When I closed the axos account, they sent me my remaining money in the form of a check for {$3800.00}. 

The check that is not cash able or cant be deposited is dated for XX/XX/XXXX. I have tried banks and other stores to try and get my money back but everyone has said it is not cash able.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
FTC Report Credit Card Opened by the Thief : Company or Organization : XXXX XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXXXXXX XXXX  XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXX XXXX  XXXX XXXX 
Date Fraud Begin : XX/XX/XXXX Company or Organization : XXXX XXXX Date Fraud Begin : XX/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 non-monetary relief
Consumer complaint received 2023-10-18 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: MI

Complaint narrative:
I'm demanding Transunion shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Transunion my written permissible purpose to furnish these accounts therefor Transunion is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX 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 non-monetary relief
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
Unauthorized inquiries listed below please remove immediately from my report Hard Inquiries ( XXXX ) Company NameXXXX  LoansDate InquiredXXXX 2023Company NameXXXX OF XXXX Dealers, NewDate InquiredAug XXXX NameXXXX XXXXDate InquiredAug XXXX NameXXXX XXXX FinancingDate InquiredXXXX XXXXCompany NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, 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 NameXXXX  XXXX Dealers, NewDate InquiredJul XXXX NameXXXX XXXX Dealers, NewDate InquiredMar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX**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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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:
My lawyer and credit attorney notified me that there are student loan reporting on my report that 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 explanation
Consumer complaint received 2023-10-18 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:
My lawyer and credit attorney notified me that there are student loan reporting on my report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
My lawyer and credit attorney notified me that there are student loan reporting on my report that 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 explanation
Consumer complaint received 2023-10-18 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft.XXXX  XXXX opened XX/XX/XXXX amount owed {$12000.00}, XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX XXXX opened XX/XX/XXXX {$0.00}, XXXX  XXXX BANKRUPTCY REF : XXXX XX/XX/XXXX. Incorrect addresses that doesnt belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Any address outside of this one needs to be removed from my consumer report immediately. Incorrect Employment info : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, Retired Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report.

Company response to consumer: Closed with non-monetary relief