vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland mortgage refuse to release funds for mortgage payments due to I am paying my insurance and asked that the insurance is removed from their escrow. They refuse to apply XXXX payment of {$710.00} less insurance escrow amount. They are holding funds and threatening foreclosure for failure to release funds and payment for mortgage payments.

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 2024-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
XX/XX/XXXX XXXX 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 I gave XXXX my insurance information ( XXXX XXXXXXXX, XXXX ). They also copied my insurance card. I was XXXX on XX/XX/XXXX. 

XX/XX/XXXX I consulted with my insurance assistant at XXXX XXXX XXXX XXXX to ensure I had taken all steps to have medical bills fully covered. Assistant stated that if XXXX was billed I would have no financial responsibility for emergency services. 

XX/XX/XXXX, email from XXXX credit monitoring informed me of a new collections account on my credit report ( {$4700.00} ). Shocking news ; I had no indication of outstanding charges on the verge of collections. 

Turns out a third party, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, was billing on behalf of attending physicians at XXXX  ; they added the collection account to my credit reports. I never received paper bills from XXXX  ; I had no knowledge of any accounts or collections. 

XXXX  medical account claim was never submitted to XXXX. The collection account was inaccurately reported due to XXXX  and XXXX  never submitting the medical claim to XXXX. 

As of XX/XX/XXXX, I have worked with XXXX billing and XXXX to try to submit a retroactive claim to XXXX. Turns out XXXX filed for bankruptcy on XX/XX/XXXX, 2 months after my emergency service. XXXX  is unable to reach anyone at XXXX due to the bankruptcy. No one I have spoken with at XXXX can determine why the XXXX account was not billed to XXXX, how the account went to collections, or who the new account owner is. 

XXXX billing is now handled by a different company, XXXX ; they can not retroactively bill an account that they did not own at time of service. XXXX billing also stated that the XXXX account should not be on my credit report ; it is inaccurate information. Furthermore the bill should be submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MD

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. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sometime between XX/XX/XXXX and XX/XX/XXXX, {$720.00} was fraudulently withdrawn from my Bank of America EDD account at an ATM in XXXXXXXX XXXX. I promptly reported the unauthorized transaction to Bank of America and requested an investigation, including ATM camera footage to verify the withdrawal. 

On XX/XX/XXXX, Bank of America closed my claim, stating that they believed the account had been subject to fraud or suspicious activity. The letter informed me that any temporary credit applied to my account would be debited. However, I did not receive any temporary credit or reimbursement of fees at all since my account was frozen right away after I reported the fraudulent incident to the bank. So my account was frozen without any explanation, and I was left without access to my unemployment benefits for nearly a year. 

This freeze caused severe financial hardship, leading to the following impacts : 1. Eviction Notice : On XX/XX/XXXX, I received a three-day eviction notice due to non-payment of rent, directly resulting from my inability to access my funds. 
2. Car Repossession : My car was repossessed because I could not make the payments on time. This repossession is documented on my credit report. 

Despite my repeated requests for assistance and detailed explanations of the severe consequences of the account freeze, Bank of America only compensated me with a {$250.00} check, which is inadequate given the financial and emotional distress I have experienced. 

I seek a compensatory refund of at least {$720.00} for the unauthorized withdrawal, which the bank never reimbursed me for. Additionally, I seek compensation for the financial hardship caused by the account freeze and the significant impact on my life, including the eviction notice and car repossession. I no longer have an account with Bank of America. They closed my account without explanation.

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 monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-01 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: MD

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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-01 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: MD

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-01 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: AZ

Complaint narrative:
I received a notification on the MOHELA app in XX/XX/XXXX that if I did not recertify that my payment would go from XXXX to nearly {$800.00} per month. I immediately went to the website to recertify. I was unable to recertify with open application on my profile. I went in to re-certify and the way the questions are sets the application as a new evaluation of payment immediately. I submitted it and called MOHELA that Monday. I was explained the issue that I followed the prompts but the application would not check recertify rather a new application. She said that I did not need to recertify due to changes XXXX implemented. I said can withdrawal the application. She said no but that she would notate my account for when the application is reviewed that they would view as recertification rather new application. I diligently followed up multiples leading into mid XXXX where I then was put into forbearance with interest accrual where the reevaluate because my payment went up to {$260.00} a month. No one would provide me documentation regarding my request nor a timeframe. Every time I spoke to someone they gave me a different response. I finally was told in the very end of XXXX or early XXXX that the prior people I spoke to are not trained as well to answer my questions. The person escalated my concerns and we discovered that they did not properly account for my dependents and family size even though I answered the questions to the app. I was then told to never electronically submit application on and complete manually. I was then provided a supervisor who assured me that this would be handled and that they would reprocess my application as a certification and account for XXXX defendants and my family size of XXXX. They were to provide me a letter stating such. I asked why now can they give letter when multiple other reps refused and said they cant. She said she didnt know and I would have in XXXX business days and the app would be reprocessed in XXXX. 14 days passed I called back and the status of reprocessing was still pending and I never received the letter. They refused to get me to the supervisor I previously spoke to. After explaining this entire situation the finally agreed to message the supervisor to see if she would take my call. The supervisor took my call and said she remembers me and that she will get the letter to me. I have the letter but that she said to check back aft XX/XX/XXXX on the status. XX/XX/XXXX she called said its on hold due to the on going litigation. Here we are still waiting and was told it would be processed after the decision with court is made within 14 days. 

This has been going on for over four months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Cash Net USA, an Enova International company. Has manipulated my information and engaged in discriminatory practices. They refuse to put me in contact with or even identify a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND 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 2024-08-01 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND 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 2024-08-01 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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX  XXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 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 2024-08-01 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: TX

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX  XXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 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 2024-08-01 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 non-monetary relief