vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
15 USC XXXX Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trad
e 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability.

Please Delete false information from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MI

Complaint narrative:
I am writing in response to your attempts to collect an alleged debt related to XXXX XXXX XXXX. This account is not verifiable, as I have made several attempts to contact the mentioned creditor to obtain validation of this debt but have received no response or substantiating information. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of any alleged debt and to dispute its accuracy. As this account has not been properly validated, you are in violation of my rights by continuing to pursue collection efforts. 

I formally request that this account be immediately removed from my credit report and that any collection efforts cease until proper verification is provided. This includes documentation showing that the debt is valid, belongs to me, and is accurately reported. If you can not verify this account, it must be permanently removed, and no further action should be taken. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursue legal remedies for damages caused by your unlawful collection attempts. 

Please confirm in writing that this account has been removed and that no further collection efforts will be made. I expect your response within 30 days from the date of this letter, as required by law. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax rental screening reports contain inaccurate information in reference to an eviction from XXXXXXXX XXXX XXXXXXXX XXXX formally known as The XXXXXXXX XXXX XXXXXXXX ). There is a court judgement ( Case XXXX XXXX ) on the account that indicates the balance as satisfied. The XXXX XXXX in XXXX XXXX has made a judgement that indicates that all fees have been satisfied ; attorney fee in the amount of {$90.00}, tax in the amount of {$98.00}, late charge in the amount of {$150.00}, and rent in the amount of {$1300.00}. As a result of Equifax rental screening report, reporting inaccurate information my ability to secure housing is being severely hindered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-19 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:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I took out multiple parent plus loans beginning school year XXXX and was assigned Mohela. When applying for the loan, on the question " Do you want to defer repayment of your XXXX XXXX XXXX while the student on whose behalf you obtained the loan is enrolled at an eligible school on at least a half-time basis? '' I answered No! For my oldest loan I began receiving bills from Mohela in XX/XX/year> and immediately began making payments and paid up until XXXX period. However, I am not being credited for these as PSLF payments as reflected on studentaid.gov. I called Mohela and a nice gentleman stated that was indeed an error of Mohela 's and I will need to request XXXX to get those payments to count, and there was nothing Mohela could do to make changes. I called XXXX and was told the servicer must make the change. In a nutshell, Mohela treated me as being in Repayment when they began billing me in XX/XX/year> and I began making payments immediately since I was receiving bills.. Attached is my payment history for the time period in question showing I made payments for the months in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A NEGATIVE ENTRY WAS MADE TO MY CREDIT REPORT BY XXXX, I SINCE DISPUTED THIS CLAIM AS I DO NOT KNOW NOR HAVE A CLUE OF THE COMPANY OR ITS EXISTENCE OR WHAT I HAVE MIGHT HAVE DONE TO OWE THEM MONIES. XXXX COMES BACK TELLING ME THE REPORT WILL REMAIN OR I MIGHT PROVIODE MORE DOCUMENTS WHICH I BELIEVE IT IS THEM OR THE COMPANY IN QUESTION TO PROVIDE NOT ME. I HAVE A PRETTY GOOD CREDIT REPORT AND HAVE NO CLUE WHAT THIS MONIES REPRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-19 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 debt collector engaged in unfair practices that are unlawful under the FDCPA. We did not agree on this account, and I did not sign a legally binding agreement that required both parties ' signatures. Therefore, I did not participate in any of the activities. They failed to follow the correct 5-Step Validation process. They clearly violated my rights and abused my privileges, and I am entitled to compensation under the FDCPA. I request that this account be removed 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 2024-12-19 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 debt collector engaged in unfair practices that are unlawful under the FDCPA. We did not agree on this account, and I did not sign a legally binding agreement that required both parties ' signatures. Therefore, I did not participate in any of the activities. They failed to follow the correct 5-Step Validation process. They clearly violated my rights and abused my privileges, and I am entitled to compensation under the FDCPA. I request that this account be removed 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 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please see attached cease and desist letter that was sent to LVNV FUNDING LLC on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date LVNV FUNDING LLC continues to report this on my credit report in violation of applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I submitted a portfolio transfer to XXXX on XX/XX/year> and it has been held up since. I have repeatedly tried to contact support for four weeks. They have said they will respond to me with another team but I have received no replies to my email/messages for help and no one from XXXX has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
I was informed a few months ago that my mortgage has been transferred from XXXX XXXX XXXX limited to XXXX, information I requested to be emailed severally over the last couple of weeks without any action. I noticed there are a couple of things that changed, the address and the account number on the mortgage statement. XXXX major issue that I noticed since XXXXXXXX XXXX  that never happened with the original servicer is the application of mortgage payments to my account. 

In the past, XXXX will adjust late fees automatically once it noticed that payments were postmarked prior to the grace period. This XXXX did not do it, instead it wanted to charge this late fees even after I informed this institution of the precedents on this account, and the normal operational norms within the mortgage industry about postdated payments. I was informed that late fee would be waived as a one time courtesy for XXXXXXXX XXXX that if I want to avoid late fees in the future, I have to use it's platform to make payment as opposed to my other financial institution. 

In this month of XXXXXXXX XXXX I had to make double payments since I was informed that this institution did not receive the mortgage on the XXXX of XXXX grace period date. On the seventeenth of XXXX, at about XXXX, a period that the post office is yet to open, I suddenly found out that both payments have been cashed by XXXX XXXX XXXX is clearly violating its clients if not the law. On XX/XX/year>, I was told to write to an address I was provided by XXXX of the customer service representative of XXXX for a refund only to be told when I called back for confirmation of receipt that it was a wrong email address. I resent the said letter and proof of payment the same day, and today, the XXXX of XXXX, no one is able to confirm receipt. I was told by XXXX representatives that it would take XXXX days to receive a refund on the XXXX of XXXXXXXX XXXX, and today, I was told XXXX. Most mortgage companies do not wait for you to make any requests for refunds with proof as demanded buy this institution, they just refund those overpayments. 

Kindly assist in reviewing XXXX 's business practices, and why it suddenly changed its policy, yet continue to use the XXXX XXXX XXXX name. I am yet to receive information from XXXX to ensure the legitimacy of the account transfer from XXXX XXXX and the policy guiding the change on the late payments application on mortgages received prior the expiration of grace periods or stamped envelopes showing date payments were mailed as requested. 

Regards, 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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I received a buyback letter for 10 months I was in forbearance. The letter states that if I make the payment within 90 days, the department of education will discharge my loans. I made the payment to MOHELA on XX/XX/year>, the same day as the letter was emailed to me from XXXX. I waited on hold for 4 hours with MOHELA to understand the process, when my loans would be discharged. I wanted to know how to make the payment, how they communicate to FSA that my payment was submitted and they didnt even know I received a buyback letter. I filed a complaint asking that my loans be discharged and I havent received a response. I have worked for the government for over 10 years and am frustrated that my forgiveness is being arbitrarily halted. No one seems to know the process and I have a letter from XXXX stating my loans will be XXXX after I make the lump sum payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my XXXX XXXX account and notice that I have a hard inquiry on my personal credit report. The inquiry is from XXXX XXXX  ; for XX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry. TransUnion told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and they told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with fraud alerts. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system.

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