vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On four separate occasions, I have disputed items on my Experian credit report. ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ). One item that remains is a XXXX  XXXX bankruptcy on my credit report. I contacted the court who advised they do NOT report to the credit bureau but Experian states that the court has verified this record with the court. I have since provided this information to Experian who in their latest correspondence advised me that the most recent dispute would not be processed as they do not believe it came from me. You will find the attached letters below and their response to the most recent dispute, which they failed to process. I have not received any evidence from them that this bankruptcy was properly reported however and the court does not report their records to the credit bureaus. The response from Experian verifying 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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I open the claim with cfpb now they closed my account for no reason and are holding XXXX from my savings account I got papers in the mail from boa saying they are closing the account and today I received my statement saying I have XXXX in my account and wont give it at the bank or any easy they have to mail it and they want me to wait until XX/XX/XXXX when I need my fund

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 2024-01-03 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: FL

Complaint narrative:
In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX Account Number # # # # # # # # # # # # # # # # # # # # # #  XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
Letter was sent to my parents house on XX/XX/XXXX. I was just home for the holidays when I got the letter in regards to a past due XXXX bill. Contacted XXXX  directly, attempted to contact XXXX on XX/XX/2024 multiple times. Agent refused to identify themselves and hung up on me. On repeated attempts to call back, no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
Contacted company on XX/XX/XXXX to request the correct monthly amount due. The account online listed one amount, the auto pay listed a different amount and the billing statement listed a third different amount. In the mean time I am enrolled in auto pay so they are still taking money but then emailed me every month telling me I am missing payments and that I am not making payments. I have contacted them on XX/XX/2023 and never received a response. I contacted them again on XX/XX/2023 and have still not received a response. My first auto debt was deducted for {$200.00} then increased in XXXX to {$230.00} and then again in XXXX to {$280.00}. There has been zero communication on why the increase or what it is based on. I keep getting emails from them telling me I have an overdue balance and missing payments but they have still been deducting the auto pay amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I had someone who filed bankruptcy on my behalf and they were fined because this was never supposed to happen. When I reached out to the bankruptcy court they showed that the XXXX filings she did on my behalf were rejected due to insufficient documents. So nothing was ever processed fully and I never went through the bankruptcy proceeding. 

When I reached out to lexisnexis, and let them know the information was incorrect and they should remove it from my credit report. They stated they received the information from PACER which I never gave them permission to share any of my personal information. I do not know this company and they shouldn't have my personal information nor should they be giving my information out, or reporting this to my credit report. 

It is their duty to ensure they are reporting my information correctly, and if they are releasing my information to another company they need my written consent which they never received. 

It is showing I filed Bankruptcy twice in a 4 month span which wouldn't make any sense and when I reach out they only forward me that information has been confirmed with PACER which I never gave any information to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: IN

Complaint narrative:
I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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 received a notice from Mohela stating I need to recertify my income by XX/XX/XXXX in order to continue on the income-driven repayment plan. However, there is another deadline under repayment options on Mohela stating my deadline is XX/XX/XXXX. Lastly, there is an announcement from the Department of Education stating " The earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I called back in XX/XX/XXXX regarding this issue and that my recertification date should be pushed back 1 year according to the Department of Education. I was told by the representative that this should be solved by the end of the month. However, it is now XX/XX/XXXX and the problem persists. I called today XX/XX/XXXX and after holding for XXXX hours the representative did not know anything about the announcement from the Department of Education. The representative also told me specifically that my loan was owned by MOHELA and not the Department of Education even though on the Mohela website the loan owner states " Department of Education. '' I was supposed to get escalated to an " advanced '' representative but the transfer never occurred and the call was dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX XXXX has my sons insurance information ( minor at the time ) However, insurer stated XXXX XXXX did not bill them. 

XXXX XXXX  stated insurance would cover visit. 

After my sons visit, XXXX XXXX sent me a bill owing full amount ( in violation of the Surprise Billing Act ). 

Also, I have a court order stating that ex-husband is to be billed if son isnt covered. 

XXXX XXXX refused to abide by court order and refused to bill insurance company. 

Patient First sent bill to a collection agency., Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX. In addition, the bill skyrocketed from XXXX to XXXX. 

Receivables Management ignored the court order and know XXXX XXXX has refused to send bill to insurer. 

XXXX stated XXXX XXXX did not send them a bill. 

Ive disputed the collection in writing XXXX. I received another statement on XX/XX/24. 

Ive attempted to call by phone on XX/XX/24. Their phone line disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

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.

has violated my rights. Or a 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 2024-01-03 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: NY

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.

has violated my rights. Or a 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 2024-01-03 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple account of XXXX on my Experian credit report that was not open by me. This has been hurting me as I am in the process oy buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-01-03 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: NY

Complaint narrative:
I contacted each credit report agency regarding information that is inaccurate on my credit report. They have not responded or given me the information I requested. I have waited over 30 days for a reply and still no reply. I would love to get this issue resolved asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
As of XX/XX/XXXX my loan payment through MOHELA was indicated as {$210.00}. This was not a problem and I could pay it without any issues. I made the payment without any problems. Then I was notified that my loans were in forbearance until XXXX. 

It is now XX/XX/XXXX and my loan amount has somehow jumped to {$350.00}, which is {$140.00} more than what I originally agreed to paying. I have applied for an income driven repayment plan at this point But this is unethical and wrong on MOHELAs part.

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