vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
on XX/XX/year>, with completion processing on XX/XX/year>, I put in a request to move back to IBR from SAVE that I had moved to in XXXX of 2024. I was told that if they could not process my IBR paperwork within 10-business days of my request to move to a new payment plan, I would moved to processing forbearance, a status that is necessary for PSLF buyback. my paperwork was not processed as of XX/XX/year> which is 10 business days. I have called many times and emailed many times to be move to this status. I have been told they will look into it. They did not. I sent emails every day for the last week and finally received a form letter that states I am already in forbearance. I am, but I am in SAVE forbearance, not processing forbearance. Per the email they sent me, they have an obligation to move me to processing forbearance after 10-business of my original request. I want them to honor and be held accountable to their own policies and procedures because I have taken the appropriate steps in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Complaint Regarding Banking Misconduct and Privacy Violations To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting a complaint regarding a potentially fraudulent and unethical banking practice at chase located in XXXX XXXX XXXX I believe my privacy rights have been violated, and there may be misconduct involving deceptive financial practices. 

A banker at this location informed me that I was facing XXXX lawsuits, which seems highly inappropriate and outside their role. Additionally, I suspect that my personal information may have been accessed or shared without my consent, possibly in connection with a larger fraudulent scheme involving XXXX XXXX scams. I am also concerned about deceptive credit card offers and unauthorized data sharing that could affect other customers. 

I request that the CFPB investigate this matter and take appropriate action to ensure that banking regulations and consumer privacy laws are being followed. Please advise me on any steps I should take to further protect myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft or improper use of my information and should be blocked : XXXX XXXX XXXX | # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately with these account. Here I add the FTC report, hoping that you make a better work in this situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been sending letters to US DEPT ED for almost a year now and have not received a response from them. Despite previous attempts to resolve this matter, the erroneous information persists on my credit report. It is essential to note that under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are obligated to maintain documentation verifying the accuracy of reported information, that you have failed to provide. Additionally, you have neglected to adhere to the verification process outlined in Section 611 ( a ) ( 7 ), which requires the prompt deletion of unverifiable information. 

I am fully prepared to pursue legal action to enforce my rights and seek appropriate remedies for your willful and negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank denied me access to my online personal checking account from XX/XX/year>, to XX/XX/year>, even after verifying my true identity. As a XXXX senior citizen, this has been particularly distressing. 

My Social Security payments are directly deposited into Ally Bank every fourth Wednesday of the month. For 24 days, Ally Bank has been holding my deposits, making it impossible for me to pay my rent and other bills on time, which is due on XX/XX/year>. 

I now have to inform my landlord that my rent payment will be late, incurring a late fee due to Ally Bank 's failure to transfer my deposits to XXXX XXXX XXXX  in a timely manner and to close my account. Ally Bank needs to be responsible for the late fee, and if I should lose my apartment because of this, Ally Bank should be held accountable and cover all damages associated with this issue.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax block the following fraudulent accounts, inquiries, and associated addresses from my consumer credit report. These accounts, inquiries, and addresses are the result of identity theft and fraud. 

As mandated by the FCRA, I expect Equifax to take action within four business days of receiving this complaint. 

The following names have been fraudulently associated with my credit profile and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at nor used the following addresses, and they must be removed from my credit report : XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX The following employers were fraudulently added to my credit report and should be removed : XXXX XXXX XXXX XXXX XXXX I did not authorize the following credit inquiries, which resulted from identity theft. They must be removed from my credit report : XXXX XXXX  XXXX XX/XX/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  The following accounts were not opened, made, or initiated by me and must be permanently blocked from my credit report : 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 To support my claim, I have attached the following documentation, which has previously resulted in the successful removal of these fraudulent accounts, inquiries, and addresses from other credit bureaus : Illinois State Drivers License Social Security Card FTC Identity Theft Criminal Complaint # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Collection Account on My Credit Report Dear Equifax, Experian, and TransUnion, I am formally disputing an inaccurate collection account that appears on my credit report. The collection agency XXXX XXXX XXXX is reporting a debt of {$390.00} allegedly owed to XXXX XXXX XXXX XXXX. However, this debt does not exist, as my balance with XXXX XXXX XXXX XXXX is {$0.00}. 

This collection account is completely inaccurate and unverifiable, and its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain only accurate and verifiable information. 

I am formally requesting the following actions : 1. The immediate removal of this collection account from my credit report as it is erroneous and does not reflect my actual financial standing. 
2. A detailed explanation of why this inaccurate information was reported and allowed to remain on my file. 
3. A confirmation that the disputed account has been deleted or a formal response within the legally required timeframe ( 30 days from receipt of this dispute ). 

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action for damages resulting from this false reporting. 

Please confirm receipt of this dispute and take immediate corrective action. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Equifaxs Refusal to Remove Medical Collection Record Dear Equifax Customer Support, I am writing to formally dispute and file a complaint regarding Equifaxs refusal to remove a medical collection account from my credit report, despite the new CFPB regulations and updated credit reporting policies concerning medical debt. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, medical debts should not be reported until at least 12 months have passed from the date of first delinquency. This rule was introduced to prevent inaccurate and unfair reporting of medical bills, recognizing that such debts often arise from delays in insurance processing or billing disputes. 

Furthermore, the three major credit bureausEquifax, XXXX, and XXXXhave agreed to implement changes to medical debt reporting policies in line with CFPB recommendations. Specifically, any medical debt should not appear on a credit report unless it has been unpaid for more than 12 months. 

References to CFPB medical debt reporting regulations : CFPBs announcement on medical debt credit reporting changes ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/ ) Rule for One year ( https : //www.equifax.com/personal/help/article-list/-/h/a/medical-debt-collections-on-credit-report-not-removed/ ) Despite these regulations, Equifax has continued to report a medical collection account on my credit file before the 12-month reporting period has elapsed, which is a violation of the updated policies. 

I am formally requesting : 1. The immediate removal of this medical collection account from my credit report if it has not surpassed the 12-month reporting threshold. 
2. A detailed written explanation as to why Equifax has not complied with the updated medical debt reporting policies. 
3. A full investigation into this matter and confirmation of corrective action within the required legal timeframe. 

If Equifax fails to address this issue appropriately, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. I expect a response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SXXXX 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A few days After depositing a check i started to have an issue with logging into my account online so i reached out to customer service regarding the issue and they said my account was blocked due to pending closure they didnt notify me of the situation nor were they able to give me a proper reason to why it was being closed, i am getting my irs Refund into this accountnbecause it was the bank account i provided when i filed my taxes and i dont have time to wait for the direct deosit to reject and so on so inneed to find a way to reverse the close out or be able to access my funds there is no physical branches to even go to

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN 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 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  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN 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 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  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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