vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
For over XXXX  years I have requested the following Companies To VALIDATE these XXXX Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in 6 years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my XXXX that these companies ignore the FDCPA and just put accounts into Collections or XXXX them off without proof of the debt. All I requested was a Simple XXXX that VALIDATES these debts? XXXX Bank sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus XXXX never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
For over XXXX years I have requested the following Companies To VALIDATE these XXXX Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in XXXX  years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my XXXX that these companies ignore the FDCPA and just put accounts into Collections or XXXX them off without proof of the debt. All I requested was a Simple XXXX that VALIDATES these debts? XXXX Bank sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus XXXX never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX 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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent them the FTC letter and spoke with them letting know this account was due to identity theft in XX/XX/year>. I just received another letter trying to collect the same debt and had them mark the account as Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX opened XXXX amount {$530.00}. XXXX opened XXXX XXXX  amount {$150.00}. XXXX opened XXXX amount {$520.00}. XXXX opened XXXX amount {$6800.00}. XXXX XXXX opened XXXX amount {$130.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX opened XXXX amount {$530.00}. XXXX opened XXXX 2018 amount {$150.00}. XXXX opened XXXX amount {$520.00}. XXXX opened XXXX amount {$6800.00}. XXXX XXXX opened XXXX amount {$130.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2 DISCOVER BANK # XXXX Please verify this account. 
3 XXXXXXXX XXXX  XXXX XXXX # XXXX Please verify this account. 
4 XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Please verify this account. 
5 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
6 XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a debt with Jefferson Capital Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that Jefferson Capital Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that Jefferson Capital Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2024, I made my personal loan payment of {$500.00} to USAA Federal Savings Bank. I manually made the payment due to the automatic withdrawal not going through properly if the withdrawal date falls on weekend or holiday, which it did. The automatic withdrawal date is the XXXX of every month. In the past the automatic withdrawal would go through and this resulted in a late payment penalty that I had to contest with USAA. On XXXX XX/XX/2024, at XXXX, I saw that the automatic withdrawal had gone through for {$500.00}. Ar XXXX on XX/XX/2024, I called USAA and spoke with a customer representative named XXXX. I advised her of what had happened with the automatic withdrawal and how this had taken the majority of my money i had to live on and pay my rent along with taking care of my kids. XXXX advised me that i could file a dispute about the transaction and get a provisional credit for the {$500.00}. XXXX advised it could take a couple hours for the USAA dispute team to evaluate my claim and they will issue my provisional credit. I waited till around XXXX on XXXX XX/XX/2024, and called USAA I talked to another customer service representative and advised her of the situation. he told ne give it 24 hours. I then waited the 24 hours and called on XXXX XX/XX/2024, I spoke with XXXX who had to be one of the rudest and condescending customer service representatives i have ever spoken to at USAA. I advised him the situation with the automatic withdrawal. XXXX advised me that I had to wait 10 days. Our conversation became unproductive due XXXX 's condescending and passive aggressive attitude. I ended the call and waited several days hoping that maybe the USAA XXXX department had looked at my dispute. I called on on XX/XX/XXXX at XXXX and spoke with a customer service representative at XXXX. After being transferred around and being sent to the wrong department twice, i finally spoke with a gentleman that told me that there was nothing anyone could do to help me. I had to wait 10 days for the dispute department to look at my dispute then after maybe another ten days I would receive a provisional credit if at all. He advised me that USAA does not have to refund MY money. And if USAA does refund it they can take up to 45 days.

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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have tried to get into Coinbase repeatedly to access funds. I have verified my drivers license social and virtual face identification to confirm my identity which I have passed. There is no one to speak to at Coinbase. I have done this process multiple times to change my phone number for 2FA identification. I have now suffered a significant loss and still cant access my account and funds. Im very frustrated I keep doing what they request and I cant get into my account.

I have done everything they have asked and there is no one to physically to talk too. Virtual Agents havent fixed the inside either. 

I greatly appreciate anything you can do to help me with this issue. I was told this issue has happened more than once with people with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
Navy Federal granted XXXX payment exetrions in 2022, and said there would be no late payments reflected in my credit history with them. A month or XXXX later XXXX reported lated payments. I asked XXXX  to review the phone conversations with them, I had had, there were at least XXXX of them. However they will not, and they will not update my account to no late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Dear Credit Collection Services, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next 30 days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
At some point, my bank XXXX shifted my due date in the month without my knowledge. It used to be on the XXXX of each month, and at some point must have switched it to the XXXX without notifying me. I typically made my payments between XXXX and XXXX of each month, but today I logged in on XX/XX/year> to learn they had at some point in the past shifted it to the XXXX, because they had already already charged a late fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe this debt is not valid and on 2major credit reports this already delete on TransUnion still reporting that this collection is min thus should be delete immediately on transunion Im deputing this debt couse Idont believe this is mine and have an open balance.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next XXXX  days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows 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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Penny Mac about my mortgage. They had misapplied an XXXX payment and had been charging me interest since, driviing up my monthly payments and interest, without ever sending me an email or mail notification of the issue. I discovered the issue on my own. Meanwhile, they were intentionally destroying my credit. 

I then contacted customer service to remove my PMI from my mortgae since my lien was far less than what i had originally paid or the market value.

Yet, Penny Mac, having misapplied payments, interest and overage fees, claimed I was ineligible. Once the payment was affirmed and the interest and overage fees reversed, Penny Mac refused to remove PMI. They then kept me on hold for over an hour to answer any questions. At one point I asked that I be recorded for CFPB investigation. They refused.

I would appreciate the CFPB keeping PennyMac accountable for all their misapplication of funds, their refusal to remove PMI once eligible, and their abusive customer service. 

I spoke to : XXXX from the servicing team XXXX put on hold XXXX put on hold XXXX still on hold XXXX still on hold ond Direct HANGUP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Equifax Customer Service, I hope this message finds you well. I am writing to request assistance regarding my credit report, as I believe there may be an issue with my Equifax file. Upon checking, I found that I do not have a credit report with Equifax, nor do I have any accounts or credit activity being reported under my name.

I am in the process of purchasing a home, and as part of the mortgage application process, I need to access my credit report and credit score. Without this, I am unable to move forward in assessing my credit standing. Could you kindly refresh or update my credit report so that I can review my score? I currently do not have a score displayed.

I would greatly appreciate your prompt attention to this matter. Please let me know if any additional information is needed from my side to help resolve this. Attached to this complaint, I have a few documents for your review. The first document is a copy of my photo ID, SSC, and Proof of Address as well as a screenshot of Equifax credit report.

Thank you in advance for your assistance. I look forward to your response and to seeing my updated credit report soon. 
Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation