vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-26 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-07-26 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: IN

Complaint narrative:
I am filing a complaint about Mohela the federal loan servicing agency due to failure to be reimbursed for payments made above and beyond XXXX qualifying payments in the XXXX program. In XX/XX/XXXX I completed my XXXX payment in the XXXX program, serviced by Mohela. I applied for XXXX in XXXX of XXXX. XXXX Mohela 's recommendations, I continued to make payments ( in the event the count of XXXX qualifying payments was erroneous ), and made XXXX additional student loan payments before I was placed on administrative forebearance by Mohela. In XX/XX/XXXX, half of my loans were processed and successfully discharged. In XX/XX/XXXX, the remaining loans were discharged and my loan balance showed nothing owed by me. It also reflected a credit owed back to me in the amount of {$6300.00} which is representative of the payments I made in XXXX and XX/XX/XXXX after applying for XXXX during the initial processing of my application. In my correspondence, I was informed that refunds for extra payments above XXXX qualifying payments would occur automatically and could take XXXX days. 

Since discharge of my loans, I still have not received my refunds for the credited funds as listed above. We also have exceeded the 60-90 day estimate that Mohela gave for receiving these refunds. 

In speaking with both Mohela and XXXX XXXX XXXX on several occasions this month, neither can give me any meaningful information about how to escalate the request to receive these funds, and they are unable to provide a timeline as well. The credited funds now no longer appear on the Mohela website even though I have saved documentation as proof. 

Given my lack of success escalating through Mohela and the XXXX loan discharge customer support, I attempted to escalate through the XXXX ombudsman office with a complaint filed XX/XX/XXXX. I received an email when I submitted that I would receive an update within 15 days. I have received no further correspondence from that office as a means to escalate this complaint, do not have contact information for that complaint, and only see my case as " pending. '' I am seeking assistance to recoup the funds for the additional payments that I made after completion of the XXXX program. These XXXX payments after XX/XX/XXXX were per the recommendation of Mohela and they should be held accountable to ensure that this money is rightfully returned. 

Attached are my XXXX documents that demonstrate loan forgiveness with the outstanding balance reflecting a credit. I also included a reply from mohela from XX/XX/XXXX when I was awaiting forgiveness for XXXX of my remaining loans. In it they state that refunds for extra payments take 60-90 days. The sum of the XXXX total loans, again, is {$6300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
I went to the hospital on XX/XX/XXXX after falling down my front stairs after a snow storm amd thinking I broke my ribs. My insurance company XXXX paid everything but {$220.00}. I have been working on repairing my credit for quite sometime and got it almost to XXXX on one credit bureau when a debt collection of {$2000.00} appeared on my credit which was from Lockhart Morris amd montgomery. I contacted XXXX hospital to get all the invoices from that emergency room visit which supplied me a bill that was almost paid as mentioned above. I called my insurance company and they don't have any record of uptown emergency physicians sending an invoice to be paid. I called uptown emergency physicians who told me to contact their third party that handles their invoices and they don't have any record of me at all. Lockhart Morris and mongomery answered my letter that verified me, and a copy of what appears as the first page of my hospital visit and what the hospital charged me for each test and diagnosis. The original mailing address from this bill was sent to an address that I haven't lived at for over XXXX plus years so I never received this bill. I don't think I should have to pay the entire invoice since that apparent physicians bill was never sent to my insurance company nor did I receive it at my current address which I've lived at since XXXX. This so called bill was sold at some point and this Lockhart Morris amd montgomery bought this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: OH

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

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 2024-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Do you believe your company owns the promissory note and have the right to enforce payment from the borrower? 
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}? 
So how much does the bank have to loan now to legally on the promissory note? 
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note? 
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest? 
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments? 
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy? 
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest? 
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}? 

SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601

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 2024-07-26 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: TX

Complaint narrative:
This is to file a formal complaint against Equifax regarding the incorrect reporting of my account information on my credit report. Equifax has mistakenly listed the same account under XXXX different account numbers and XXXX different account balances owed, which has resulted in significant inaccuracies on my credit report. 

The account in question is with the XXXX XXXX XXXX XXXX. Equifax has reported this account with XXXX different account numbers and corresponding balances. The first account number ending in XXXX is reported with a balance of {$5700.00}, while the second account number ending in XXXX is reported with a balance of {$6700.00}. These discrepancies have caused confusion and have negatively impacted my credit score. 

I have made several attempts to address this issue directly with Equifax by contacting their customer service department. However, despite their assurances that the matter would be resolved, the incorrect reporting persists. These ongoing errors not only cause frustration but also result in financial consequences for consumers like myself. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and hold Equifax accountable for their inaccurate reporting practices. It is imperative that Equifax rectify this situation promptly and take appropriate measures to prevent similar errors from occurring in the future. 

I have attached supporting documentation, including statements from the creditor, which clearly indicate that there is only one account with a single account number and balance owed. These documents serve as evidence of Equifax 's erroneous reporting. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions. The repeated mistakes made by Equifax not only undermine my trust in their services but also have financial implications. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Equifax corrects this issue and safeguards the interests of consumers. 

I kindly request that you keep me informed of any actions taken or progress made regarding this complaint. Additionally, I would appreciate any advice or guidance you can provide to ensure that my rights as a consumer are protected throughout this process. 

Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and promoting fair treatment by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: AR

Complaint narrative:
Today is XX/XX/year> XXXXAxos bank cancelled my debit card Thursday XXXX XXXX  .due to no fault of my own. I had money deposited yesterday and today and Axos is not allowing me to make a withdrawal or give me a virtual card or tell me the new debit card number and XXXX code from my new card so i can withdrawal my money. Axos suggests me paying {$35.00} for a wire transfer or paying {$50.00} for expedited debit card withdrawal. This is not right and I am being denied access to my deposited money till next Wednesday XX/XX/XXXX when they say the new debit card will arrive. This is ridiculous..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
Dear Experian, I am writing to formally request the removal of certain debt collection entries from my credit report. These entries, listed below, have not been properly verified by the debt collectors, in violation of the Fair Debt Collection Practices Act ( FDCPA ) : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Despite my formal request for debt validation sent to the respective debt collectors on XX/XX/year>, they have failed to provide the necessary documentation and proof of the debt. As such, these entries are inaccurate and should be removed from my credit report.

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 2024-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Company response to consumer: Closed with non-monetary relief