vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 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: LEXISNEXIS
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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
In an attempt to consolidate my loans, I used a private lender to pay off my student loans held by EdFinancial Services. On XXXXXXXX a payment of {$37000.00} was made to pay the total of 10 student loans. Rather than applying the payment among the 10 loans, they applied it to half the loans, which resulted in in overpayment of half those loans, while the other half remain unpaid. I then learned in XXXX that automatic payments were made in XXXX and XXXX, which is when I discovered this issue. I then cancelled the auto payments and called EdFinancial to request that the large payment was reallocated to pay off each of the loans and refund the additional payment that were made. I was told that this would be processed at that time. However, after not seeing any changes made, I called to check on the status, only to hear that it would take longer for the issue to be resolved. I have called 4 times since and they continue to tell me the same thing and that no timeframe on resolution could be provided, since those transactions are made by another department. When I requested to speak to a supervisor during my last call, they had said that a supervisor would call me back within 24 hours, which did not occur. Meanwhile interest is accruing on the unpaid loans and I continue to get notices of late and missed payments. It has been 6 months since I made the payment to pay off the loans and there is no indication that they intend to resolve this issue anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Mohela is my loan provider. I have tried multiple times to create an account, but it states they can not locate me in the system even though I am providing my social security number. I have applied for Public Service Loan forgiveness twice and haven't heard back from them and it has been over three years. I believe the reason is because I am not recognized in their system. I have also applied for the SAVED program and INCOME DRIVEN loan forgiveness because I have XXXX children and a single parent and none of them have been processed as well. I was going to consolidate to receive loan forgiveness, but it states I don't have any dependents and wouldn't qualify for loan forgiveness that way which is not accurate. I am a single mother of XXXX children and filed for bankruptcy twice. You are not able to connect to anyone through Mohela. They provide customer service numbers that do not work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a letter on XX/XX/year> that stated I was past due on an account that was discharged in bankruptcy 2 years ago ; I spent about 2 hours on the phone with TD Bank Retail Card Services trying to get the account resolved and they kept asking what I wanted to do? Make a payment, etc. For about {$1400.00} and want a monthly payment of {$82.00}. They stated they did not see the bankruptcy noted on the account ; then after 5 minutes they found it after I stated it was on my credit report. 

I was then blindly transferred again to another individual

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
I continue to get harassed by XXXX XXXX XXXX firm located : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have received various calls from XXXX phone number regarding a collection, they continue to call from XXXX. Collection agency by the name JEFFERSON CAPITAL SYSTEM, contracted this law firm to continue to harass and push a collection that is non-existent there is no record of an account number or information I requested. 
Dates calls received in the XX/XX/year> : XX/XX/year> XXXX XXXX XX/XX/year> There is a report of a fraud collection of {$2200.00} on my credit report affecting my financial background, it is being reported with no other information like account number or my acknowledgment of this collection.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello so XXXX accused me of fraudulent activity when they were the ones who had constantly sent wrong orders/charged more or didnt listen to my instructions and left me with no way to return my items as they locked me out of my account. On XXXX first I ordered some travel size items as I was going to go on a flight the very next day. I got all my travel items replaced with the full size ones not only could I not afford it I had to trash them at the XXXX XXXX XXXX. I could not even return them as I did not have time. I also let my shopper know I didnt want another item and they still put it in my cart. Now I got charged {$180.00} when it really should have been {$60.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: VA

Complaint narrative:
The company first attracts customers by sending mailings to your homes under the company name of XXXX XXXX telling you that you have been pre-approved for a debt consolidation loan. I reached out to them in XX/XX/XXXX. 
When you reach out to them, you are told they do not offer loans, but help you by settling your debt for less than what you owe with the creditors using XXXX XXXX XXXX firm. This was what they did to me. 
They also tell you to stop paying your creditors and they will set up an account with a company called XXXX XXXX where your payments are held and then used to pay the settled debts. 
While you are not paying your creditors, late fee and interest will accumulate and the money that you think is being saved to pay off your settled bill is instead being used to pay illegal upfront fees. I have not had any of the debt negotiated. My credit has gone way down. Creditors are calling me left and right. 
Per the Federal Trade Commission debt relief services, you can't collect any fee from a customer until you meet these three requirements : You must have reached a successful result for your customer. Not happened. It is XX/XX/XXXX now. 
There must be an agreement between your customer and the creditor. 
Your customer must have made a payment to the creditor. I've paid {$460.00} every month since XXXX and also sent them {$600.00} extra to help pay down the debt. 
Someone at XXXX XXXX sent out emails to the clients on XX/XX/XXXX from court appointed receiver for XXXX XXXX XXXX. to tell them that they are being sued for fraud and the XXXX XXXX XXXX brushes it off stating disgruntled employee and to ignore. They also conveniently sent an email out less than one week after this email stating they are making enhancements to the site and it would be down. 
The lawyer I have been assigned to is XXXX XXXX XXXX. 
This lawyer claims it can take awhile to get resolution. Had I known this, I would have worked with my creditors directly and have had a solution. 
I do not believe a word of what I am being told. It is pointing fingers to others. There's a current lawsuit filed XX/XX/XXXX showing several states however my state of XXXX is not included. I would like to be included in this. If I can provide anything, please let me know. 

I have all the emails sent to me and am happy to forward to anyone who needs them.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian reports FRAUD information and I tried to start dispute several times but they denied. I don't receive anything from them. My rights are violated! These items do not belong to me. it is FRAUD and Identity Theft. 

ADDRESS : 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

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The original creditor is reporting a balance due on this account even after selling or charge off the debt. This reporting is inaccurate and misleading, as the debt has been transferred or charged off. There are 4 closed accounts that are showing on my credit report with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 4 closed accounts, that are charge off accounts are showing a balance and a past due balance. 15 U.S.C 1681e ( Accuracy and Completeness ) : The credit reporting agency ( CRA ) must maintain reason procedures to ensure the maximum possible accuracy of the information in my credit report. The reporting of a balance due by ( original creditor name ) on a debt that has been sold is inaccurate and should be removed. 
15 U.S.C. 1681s-2 ( Duties of Furnish of information ) : The original creditor ( Name ), is responsible for providing accurate and complete information to the CRAs. Reporting a balance due on debt that has been charged off or sold violates this requirement.

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: Hatfield, Inc.
State: FL

Complaint narrative:
Dear Grid and Hatfield Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX I received your response about my outstanding debt that has been with you for over a year or two. I want to clarify that no police report was ever filed or police involved when my brother used my phone to create a Grid account. This happened when we were sharing the same phone while I was still in high school. There was no identity theft involved as we both had access to the phone with all my information stored on it. 

I understand you may be looking for a police report or documentation to support this, but I want to emphasize that no such report exists. I wouldn't involve the police in a situation with my brother, who lives with me. This was simply a misunderstanding that I've been trying to explain to you for some time now. I hope this clears up any confusion and I request that the debt be removed from my credit record. '' 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

XXXX XXXX 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo to see why a {$7700.00} check deposited on XX/XX/year> would have a hold until XX/XX/year>. Then on XX/XX/year> I was told that the hold was extended until XX/XX/year>. I called Wells Fargo today XX/XX/year> asking why the hold was so long. I was told that my wife bank flagged the deposit as suspicious and they needed extra time to verify the money. My wife checked her account online and seen that the funds was taken out of her account with a check image. While still on the phone I told the Wells Fargo rep that the money was taken out of my wife account. She then said for my safety they still needed to verify the funds. My wife then called her bank and told them that Wells Fargo told me they flagged the deposit as suspicious. XXXX XXXX XXXX then said they have no notes in their system stating that. I relayed what the XXXX rep said and the WF rep still said it was XXXX XXXX XXXX flag. They then gave me options of stop payment on the check and then write a new check. I don't get why when the funds was already released and taken out of my wife 's account.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I looked at a copy of 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 these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
I have had a several month long ordeal with XXXX XXXX attempting to deny coverage for an in network provider. I went to visit XXXX XXXX on XX/XX/2024. I was assured by Christus Health that both the provider and facility were in network on my plan. I have received this in writing as well. Around XX/XX/XXXX XXXX XXXX finally stated that their reason for denial was the contract between them and the provider/facility had lapsed, and that it is the facilities responsibility to maintain/renew the contract per their previous contract. I brought this to the attention originally on XX/XX/XXXX regarding the issue of the denial, and on XX/XX/XXXX regarding the new information received from XXXX XXXX. Christus on XX/XX/XXXX sent the issue into a " internal billing specialist '' to review and attempt to resolve. On XX/XX/XXXX, I began receiving automated messages and calls from Christus Health attempting to collect payment. That same day I called the office and they agreed to pull the balance owed until the internal review was complete. The following day the balance was added back. I called the office back on XX/XX/2024 and sent another written dispute to the bill, they advised that they will not pull the balance owed, even while the dispute is under internal review and will continue to harass to collect the balance. There was a simalar issue regarding the visit I had with XXXX XXXX on XX/XX/2024, but my insurance resolved that with Christus Health

Company response to consumer: Closed with explanation