vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXXXXXX regarding an unjustified charge-off reported on my credit report and the subsequent mishandling of my account. Despite maintaining an excellent payment history throughout the entirety of my lease, VW Credit has reported a charge-off on my account, which I believe is an error. The charge-off has negatively impacted my credit score and is unjustified, especially since I did not report any identity theft or fraud to XXXX or any other agency. 
I have contacted Volkswagen Credit XXXX times, XXXX via certified letter on XX/XX/year> and XXXX via fax on XX/XX/year> and XX/XX/year>, requesting written validation of the debt and clarification of the charge-off, but have yet to receive a response. The account shows as " closed '' on my XXXX report, yet it is marked with a charge-off, and no collection agency has provided me with written validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
In addition, I have opened a formal dispute with XXXX regarding the charge-off. I have not received any communication from a collection agency, and the contact information on my XXXX report still shows Volkswagen Credit, not any third-party debt collector. This lack of transparency and failure to provide proper written notice is concerning, and I am uncertain which agency currently holds the debt. 
As the original creditor, VW Credit should take responsibility for addressing this matter directly with the collection agency, if there is XXXX involved. They have the authority to instruct the collection agency to remove the charge-off from my credit report if it was applied in error. 
I request that Volkswagen Credit take immediate action to : XXXX. Provide a full written validation of the debt and confirm which agency currently holds it. 
XXXX. Remove the charge-off from my credit report, given the lack of justification. 
XXXX. Ensure that the collection agency involved, if any, is directed to amend or remove the negative report from my credit file. 
This matter is being escalated to the Consumer Financial Protection Bureau ( CFPB ), and I expect a prompt and fair resolution to avoid further action. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A leasing agent stole multiple residents rent money in the form of money orders and disappeared. The leasing office then asked residents months later to double pay. We refused and requested from the courts to leave the property. We left and the leasing office put a whole year of a lease on my credit amounting to {$XXXX} when I wasnt the leaseholder nor was my household present in that apartment for a year later. When I lived there, rent was paid through a portal. If your rent was late, the portal wasnt available to you. My partner was paying through the portal when they doubled back on us. There is no possible way there should be a year of lease on my credit. That would mean rent wasnt paid from XXXX XXXX XX/XX/year>. I wasnt even living in the apartment of year XXXX. Even if they wanted to put the remainder of the lease on my credit it STILL doesnt amount to $ XXXX. Monthly rent in total was $ XXXX {$XXXX}. If they put the remainder of the lease on my credit its supposed to be $ XXXX {$XXXX}. No where near $ XXXX. I have proof there was fraud going on at that company. I have disputed this off my credit multiple times but it will not be removed. I called the debt collector and they told me they reached out to the company XXXX different times every time I disputed the debt but the company is non-responsive. They are refusing to give me the contract that proves I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have a home equity loan which is serviced by Shellpoint Mortgage Servicing. I logged on a few weeks ago to make my payment and noticed that my payment amount was much more than it should be. The website said my regular monthly payment is {$1300.00}, when it should be {$980.00}. It also said I have a variable rate mortgage with an interest rate of 8.25 % when it should be 5.26 % fixed. My loan originated with XXXX  XXXX XXXX in XXXX as a HELOC. On XX/XX/XXXX, in anticipation of the end of the draw period which would be coming in XXXX of XXXX, I locked in my interest rate on the entire balance of the loan. My payment for the duration of the loan would be {$980.00} a month, and my interest rate would be 5.26 % fixed. My loan was recently sold to a new investor, so I imagine that some paperwork didn't transfer over, even though it's the same company servicing the loan. I called them to alert them to the issue and ask that it be corrected but it has yet to be. I then uploaded to their system a letter from XXXX XXXX XXXXXXXX confirming the conversion to a Fixed Rate Loan as well as a statement from XXXX  XXXX XXXX showing the HELOC portion of the loan with a balance of XXXX, and the rest of the loan balance as the new XXXX. I also uploaded a statement from Shellpoint from XX/XX/XXXX, showing the monthly payment of {$980.00}. And they also have statements from the time they have serviced my loan, with the correct interest rate and payment amount, in their system. I have also mailed an error resolution request letter with the letter from XXXX  XXXX XXXX stating the conversion to a XXXX as well as a statement from XXXX  XXXX XXXX. They received that on XX/XX/XXXX. The corrections have still not been made to my account. I have attached the above mentioned documents.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-11 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 1

5 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermo re, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. Enclosed are copies of documents supporting my claim for your review. I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the ea
rliest.

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 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. These accounts and inquiries were made without my authorization. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have a vehicle loan from Exeter Finance LLC. For some months I struggled to pay my loan on the due date and they started applying late fees but at an amount higher than the contract said. The contract said that the late fees would be up to 10 % of the late amount. The amount charged was way up to 10 % on the contract. This month I could pay any remaining late payment in FULL but they keep charging a mystery amount of XXXX {$99.00} late fee that in any way is according to the 10 % of the contract. On top of that they are charging XXXX {$19.00} of the " past due amount ''. But which " past due amount ''? I paid in FULL what was late ''. After paying the previous payment in FULL ( that already included late fees ) it still appeared as a XXXX {$99.00} late fee. I made a second payment only for this " late fee ''. After that, they still included this XXXX {$99.00} in my next payment, but not for this month, for the NEXT month ( XX/XX/XXXX ) because the system KNOWS that I am NOT late! According to the contract for this XXXX {$99.00} late fee, my late payment should have been XXXX {$990.00} and that NEVER happened! They know that I am NOT late because my next payment on their website is set to XX/XX/XXXX and not XX/XX/XXXX, even then they are still charging undue late fees!! I tried chatting with them twice but when I tell that the subject is about the undue late fees they immediately ask to call ( XXXX ) XXXX because they had " limited resources to deal with that subject by chat ''. So the chat is useless. When I called that number neither option fit my need to complain about the undue late fees! I then searched the Internet for other complaints about this company and found several other people with similar problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute the {$XXXX} charge associated with my XXXX XXXX XXXX Credit Card, which stems from an unjust cancellation fee imposed by XXXX XXXX fencing XXXX, XXXX XXXX. The fee is both excessive and unethical, and I believe it is unreasonable for me to bear this financial burden given the circumstances outlined below. 

On XX/XX/year>, I entered a contract with XXXX XXXX to install a XXXX privacy fence. However, the contract I signed did not disclose the exact cost of the cancellation fee, nor did the representative from XXXX XXXX warn me of the fees magnitude at the time of signing. When I sought to cancel the project, I was informed that I would be charged a {$XXXX} cancellation fee, despite the fact that no materials were purchased, and no labor was performed on my property. 

XXXX XXXX claims this fee covers expenses such as filing permit paperwork with the XXXX of XXXX XXXX, taking property measurements, and marking public utility lines. However, it is incomprehensible that such actions could reasonably result in {$XXXX} of costs. Filing permit paperwork and taking measurements are standard pre-installation activities that should not warrant such an excessive penalty. A more reasonable cancellation fee, at most, would be {$XXXX} to account for these administrative tasks. 

This exorbitant fee is not only excessive but also unethical. As a consumer, I was not warned about the financial risk of cancellation, nor was the fee disclosed upfront, depriving me of the opportunity to make an informed decision. I believe this violates basic principles of transparency and fairness in consumer contracts. 

Home Depots business practices in allowing its fencing XXXX to impose such excessive fees is a type of predatory behavior that should not be permitted under any circumstances, and I am asking for your assistance in addressing this matter. 

I respectfully request that XXXX reverse the {$2500.00} charge on my account, as it represents an unfair penalty for a service that was not completed and for which no materials or labor were provided. I appreciate your understanding and support in resolving this dispute promptly. 

Please feel free to contact me at XXXX or XXXX if additional documentation or clarification is required. 

Thank you for your attention to this matter. 

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
It was XXXX XXXX dollars tooking from me out of my account on XX/XX/year> I just want my money back XXXX also was tooking from me XX/XX/year> and on XX/XX/year> also XXXX was also tooking from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX & XXXX received voicemails from a company claiming to be XXXX XXXX  and tells me to call them back at ( XXXX ) XXXX. I do not have outstanding debt and never received any written notifications claiming overwise. I do not want to engage in case it is a spam call

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 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
My vehicle was repossessed due to an inaccurate charge and a dispute that was submitted.

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 2024-12-11 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: TX

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

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 2024-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ROCKET MORTGAGE LLC XXXX XXXX XXXX, XXXX, MI XXXX, Dear, I agree to pay the following financial obligation regarding account number- Loan # XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both ROCKET MORTGAGE AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > XXXX XXXX XXXX SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, HOLMES : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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