vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Incident : Fraudulent Collection Agency Letter Description of Incident : On XX/XX/XXXX, I received a fraudulent collection agency letter in the mail. The letter claimed that I owe {$540.00} to XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXXXXXX, Texas, as of XX/XX/XXXX. I have never visited any clinic in XXXX XXXXXXXX, including the alleged clinic mentioned in the letter. Upon researching, I found that the alleged clinic does not exist, and there are hundreds of reviews from individuals claiming to have received fraudulent debt from this company. 

The letter was sent by Lockhart , Morris & Montgomery , Inc., a debt collector agency. Upon further investigation, I discovered several negative reviews from individuals who have also received fraudulent letters and even had fraudulent debt reported on their credit reports from this agency. 

Attachments : Copy of the fraudulent collection agency letter Screenshots of reviews for XXXX XXXX XXXX XXXX XXXX XXXX and Lockhart , Morris & Montgomery , Inc . 

Action Requested : I request that a police report be filed to document this incident of fraud. I do not want this fraudulent debt to appear on my credit report. I am prepared to provide any additional information or documentation needed to assist in the investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Novo Platform Inc.
State: WY

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a concerning issue that myself and business partner has been experiencing and I have encountered with NOVO. We believe our experience warrants investigation by the Consumer Financial Protection Bureau ( CFPB ) due to potential violations of banking regulations and consumer rights. 

On XX/XX/year>, they closed our account with NOVO. As part of this process, we were informed that a check would be issued to us for the remaining balance in the account, which was {$75000.00} sent to our business address. Despite repeated inquiries and requests for updates, we have yet to receive the issued check or any substantial response regarding its whereabouts from NOVO. We are only able to email them and they only provide the same repeated generic messages. 

Furthermore, our attempts to communicate with them have been met with significant challenges. There are no live representatives available for assistance, and the bank has failed to provide us with a tracking number or any means to verify the status of the check or the closure of our account. This lack of transparency and accountability has left us deeply concerned and financially vulnerable. 

Given the substantial amount of money involved and the apparent disregard for our rights as consumers, we are seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly. We believe that NOVO 's actions may constitute violations of banking regulations and consumer protection laws. 

We have several screenshots of all of the request and screenshots of our account. We trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation into this matter and take appropriate action to ensure that our rights as consumers are upheld. 

Thank you for your attention to this matter. We look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: WA

Complaint narrative:
Recently i took a look at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure accuracy. 

Here is the account XXXX asking that you investigate : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX sent a notification of " may close your account soon due to protection against fraud '', and basically restricted and locked my accounts immediately. ( $ XXXX ) I checked with them and they say no reasons could be provided and promised me that rest balance on accounts will be sent back via a check after 10 days to close the accounts. 

I checked again and found out they are just giving lies, they changed the wording to no time frame, accounts still under investigation. 

I stated that I'm an international college student and need the check to be send on or before the date they promised, and I stated that on the contract when opening the account the clause states Chase have right to investigate my transaction suspected with " fraud '' and shut down my account without a reason provided doesn't mean the right to put a hold for all my money in the account forever. They tell me just wait and can't do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I received letters from the company saying an account was open under my name As well as a credit check and the account shows up on my credit report and it affected my credit. I took action and called the company they told me they would close the account. A year latter and it still shows up on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this debt or this credit collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: MI

Complaint narrative:
My father was contacted and told I had a debt. They told him that he needed to inform me. Then they turned around and contacted my mother, who is not married to father and I have no relationship with. She was also informed that they were a debt collector trying to collect a debt and that they needed to get in contact with me. My mom was very upset as she said they were demanding and rude. They explained I owed money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have received " this is a notice to collect a debt '' in regard to Navy Federal Credit Union, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from XXXX XXXX XXXX informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor Navy Federal Credit Union, and now XXXX XXXX XXXX are trying to collect and sue me for something I have no knowing of. XXXX XXXX XXXX is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report.

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: SC

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
My student loans were forgiven on XX/XX/2023. As stated on the attached documents I paid the qualifying XXXX payments over and I am to be refunded the overpayment I made on these accounts. I contacted Mohela and they stated they mailed two refund payments to me in the amount of XXXX and another in the amount XXXX. I informed Mohela that I did not receive any refund payments. Mohela stated that they sent the checks to an address that I did not have on file. The address I have on file is listed on all documents I have uploaded, this address was also on file with the Department of Education. They agreed to put a stop payment on the checks and reissue. I still have not received any payments. Each time I have called to check on the status, I have been told conflicting information. I was told there was no stop payment placed first, then I was told it had been mailed out and would arrive which it did not. Then I was told there is a delay with disbursements of refunds due to the Department of Education and that the Department of Education is responsible for refund issuance and they can not get any information from them on the status. I have made multiple calls to this office and asked for a supervisor was transferred to non-supervisory staff anyway. I have been placed on hold multiple times for over an hour. When I ask for email correspondence XXXX am refused, they will not submit any information to you in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation