vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: WA

Complaint narrative:
I am currently part of the Public Service Loan Forgiveness program. As part of that program, I have to submit proof I worked for an eligible non-profit employer during the dates of my loan repayment. Once I have made 120 payments, my loans are forgiven. 

I have worked with Mohela for XXXX years to update my eligible payments and employment. I currently have employment from XX/XX/XXXX through XX/XX/XXXX that has been certified and is eligible for the PSLF program. However, those 11 months have failed to be counted- even though Mohela has put, in writing, in XX/XX/XXXX that they know those months should count but that they do not know when the count will be added to my total. 

I initially consolidated my loans with Mohela in fall XXXX. I waited another year to have my eligible counts updated after submitted proof of all my eligible employment. I called XX/XX/XXXX to have this issue addressed. At that time Mohela installed a XXXX review on my account ( # XXXX ) to fix the missed payment counts and asked me to call back in 30 days to check the status. 

I called back XX/XX/XXXX and Mohela indicated my XXXX review was on hold until XXXX reviewed the dates and added my request to their batch approval. 

I called back XX/XX/XXXX. At that time, Mohela installed an additional XXXX review ( # XXXX ) of my account. They initiated XXXX would need to conduct an additional review. in XXXX XXXX  XXXX Mohela also sent me a message, in writing, that they know my payments for the months of XXXX should count but they were waiting on XXXX to update their system. 

As of XX/XX/XXXX no forward progress has been made. I have submitted an additional employer certification form to provide proof of eligible employment and have asked that my account be placed in administrative forbearance until these months are added to my total. The missing months will push my account over the XXXX payments required for forgiveness. 

Payments resume in the next few weeks and I have waited for a resolution to this for over 2 years. I need additional assistance in making sure this is addressed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am XXXX and XXXX 's most caring XXXX. I am also XXXX XXXX XXXX XXXX. XXXX rules require me as a licensee to have a trust account co-owned by the state of Nevada for all my XXXX ' deposits. That account is XXXX. XXXX. The purpose of this account is for the state to be able to return XXXX  ' monies if I die or I lose a state dispute. 
I have four other business accounts at the bank owned solely by me. 
Today all XXXX want to do transactions by XXXX. I, however, only use this account when I return XXXX  funds. Sometimes I go years without sending a dime. 
This XXXX I had three XXXX  move out. 
State law says the XXXX  is liable for TREBLE damages if I don't return their funds in 30 calendar days from move out. 
I sent the first XXXX, in XXXX XXXX, {$6200.00} by XXXX. Paid! 
The second one, in XXXX, I owed {$15000.00}. I sent him {$1000.00} a day until I reach my XXXX limit, owing him money. 
I needed to XXXX the third tenant {$7200.00}. Since XXXX was unavailable and the clock was ticking toward treble damages, I drove to XXXX XXXX XXXX to hand my XXXX of seven years a check. 
They were angry I couldn't XXXX them. They needed these funds to pay for their next security deposit. Instead of having their money instantly, they had to wait until the check cleared. They ALMOST lost their next housing because of this policy. 
The XXXXXXXX XXXX were ski instructors from XXXX. I can not send them a check since they could not easily cash it. I could wire the money but then they would have to pay a fee, which is my responsibility because they don't have to pay to get their money back. And why should I give the bank wiring fees when I could XXXX it for FREE? To me this is a policy to keep me from my money so they can make more. 
I first approached XXXX to raise my monthly limit on this account ONLY. They said only my Wells Fargo banker could do that. I then went to my branch and met the branch manager. She escalated my request to the powers on high. My escalation no XXXX. 
Wells Fargo then refused to raise my XXXX limit on this trust account. They said only XXXX could do it! 
XXXX 's policy puts me at risk of treble damages AND severely inconveniences my XXXX 
I did mention that this is NOT my money. I am just its trustee. All I want to do is comply with Nevada law and return money that is NOT mine. 
I am not asking to up my XXXX monthly limits on any of my personal accounts. 
Both XXXX and Wells Fargo pointed the finger at each other. Neither fixed my problem. 
I am asking you to require them to raise my limit to the amount of money in the trust account in case all my XXXX  suddenly abandon me and I have to return THEIR money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: AZ

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed inaccuracies with XXXX XXXXXXXX XXXX  reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXXXXXX XXXX XXXX be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed inaccuracies with XXXX XXXX XXXX reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXX XXXX XXXX  be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made XXXX and transunion did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$6800.00} XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd.
State: CT

Complaint narrative:
Hi, I have a XXXX XXXX account with Paxos that I opened with $ XXXX in XX/XX/XXXX via Interactive Brokers. As you probably know, Paxos is closing XX/XX/XXXX. I have been trying unsuccessfully to reset my password to login to Paxos this past week. Their email response was to " reset my XXXX  password, '' as if that would help lol. They are obviously blowing me off after multiple attempts at sending help requests from their website, which has no phone number ; nor can I find XXXX online. I need help making my final withdrawal from Paxos. I have called XXXX twice and they are unable to help me. They give me a runaround that my Paxos account is not connected to my XXXX  Brokers account, which I know, as it never was, as I am retail customer without crypto trading priveleges, even though I opened the Paxos account XXXX  years ago using my XXXX  account because you HAD to be an XXXX customer to be able to open and make deposits to a crypto account with Paxos. See attached screenshot showing XXXXXXXX XXXX guide to logging into Paxos... 
Also back in XX/XX/XXXX I tried to withdraw money from my Paxos account several times. Although I went to my bank to confirm the correct XXXX  number, etc., Paxos rejected or declined the transfer of my money back to my account several times : see screenshot of emails. 
I hope to hear from you as I do not want to lose the money I have at Paxos just because they think I am too small an account to try and hunt down my transfer! 
Warm regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anzsk open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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:
attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 
Account # XXXXXXXX XXXX Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
Back in beginning of XXXX I was injured at home with a dislocated shoulder. I went to the XXXX XXXX I was out of work for almost 3 months. I owe XXXX XXXX but I'm tight on money because I have other bills that needs to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NV

Complaint narrative:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12 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: NV

Complaint narrative:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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