vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/year>. I reached out to Loandepot to work a solution against the natural disaster XXXX I was in. After a handful of calls, after a couple of questions, the phone would go silent and another time the phone call would be hung up by reps. I finally got in touch with a rep and was told I had to fill out a loan application. I told them that I do not want another loan to pay off the unpaid balance, i just want to defer the loan onto the back end of the loan. Afterwards, i spoke to a supervisor and still Loandepot refused to assist me and told me a workout plan will be made after the investor 's review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hard inquiries are not from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I contacted IC Services based on notification on non-payment on my credit report. I asked representative XXXX XXXX what the charges were for. I was told medical equipment, to which I replied, I have never had a delivery of medical equipment nor purchased any. She told me I did. When I re-asserted that I have never purchased medical equipment, she then said it was the result of bloodwork. I said that I need more information, as my blood work is done at my doctors and covered by my insurance. She told me that I would need to file an appeal in order to get that information. 

I am unsure how a company can accept a debt collection service from an agency with no understanding ( or at least being able to provide an understanding ) of what it is that they are collecting debt for. 

To the best of my knowledge I have no outstanding debts. XXXX XXXX was incredibly rude and at one point yelled at me. My response was to let her know I would contact CFPB, since clearly they were trying to steal my money and destroy my credit.

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 2024-05-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate and fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Davis & Jones, LLC
State: FL

Complaint narrative:
We initially hired XXXX for what was supposed to be a 90-day project, but it escalated into a nearly two-year ordeal. The company failed to follow instructions, misrepresented its qualifications in high-end design, and produced work that was subpar and amateurish. Despite exchanging over XXXX emails, the situation remained unresolved. 

I gave them a final 10-day notice to deliver a quality finished project as initially promised, or we would cancel the project without further obligations on our part. Early into the project, they admitted to being unable to work with the API and struggled for months, draining all passion from the project. They made unauthorized changes to the design and backend technologies, compounding the issues. 

Their continued marketing communications claim satisfaction with a project that was never completed, and now they are seeking payment for unfulfilled services, constituting a breach of contract. The project manager eventually agreed to terminate the project due to their inability to fulfill their promises. This was mutual. 

In my view, this company 's behavior borders on fraud. We have formally reported them to the XXXX  Government for a misleading sales contract and failure to deliver, with XXXX and XXXX now involved on our behalf. I would also like to point out they hired Davis & Jones , LLC, and in their emails, it is an unethical process. 

From XXXX XXXX, XXXX Litigation Coordinator " It would appear that our client was defrauded deliberately. Has this company thought this through, are you confident that commercial collection law does not allow for suits, liens, or judgments? I'm almost confident that our client wants us to look into the best course of action and make our recommendations as such. I know this because i received an Email from them asking what the best course would be because they want this off their books and in their Bank. We may start calling your other creditors, vendors and Doners to determine your ability to pay this debt. We may also recommend to our client that we outsource this case to our network of partner law firms, which could potentially double the amount owed. '' They are free to pursue any claims, but they should be aware that their chances of success are slim given their repeated breaches of contract and admitted write-off. In the XXXX min XXXX sec, on Thu, XX/XX/year>, XXXXXXXX XXXX, with XXXX, he agreed on the recorded call to close the matter and wouldn't contact us further for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
1. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete 2. XXXX XXXX XXXX  # XXXX inaccurate please delete 3. XXXX XXXX XXXX  # XXXX inaccurate please delete 4. XXXX XXXX XXXX # XXXX inaccurate AND reporting TWICE ON CREDIT REPORT please delete. THE SAME ACCOUNT REPORTING TWICE ON CREDIT REPORT please delete 5. XXXX XXXX  # XXXX inaccurate please delete 6. XXXX XXXX XXXX inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete 8. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete 9. XXXX XXXX SAME ACCOUNT please delete 10. XXXXXXXX XXXX  XXXX SAME ACCOUNT please delete 11. XXXX XXXX XXXXXXXX Same Account please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
This letter serves as an escalation notice regarding the unresolved issue of inaccurate negative entries on my credit reports. Despite previous communication and evidence submitted, these errors persist, negatively impacting my creditworthiness.

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 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom it may concern, Back in XXXX I received a letter from MIDLAND CREDIT MANAGEMENT INC claiming that I owe monies to some company they just bought the debt from them. I did not recognize the debt and mailed them a debt validation letter on XX/XX/2023 ( exhibit C ). Even they did receive my request ( XXXX receipt exhibit D ), they failed to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter, they continued the collection activitities ( see letter I received from them threatening me with legal action exhibit B ). When I received the threatening letter from them, on XX/XX/2023 I did write them again a debt validation letter ( second letter received on XX/XX/2023 - XXXX receipt exhibit D ). For the second time they failed again to to respond to my letter in violation of the Fair Debt Collection Practices Act. 

Not only they failed to respond to my letter for the second time, they continued again the collection activities by referring me to a collection attorney in XXXX XXXX, FL ( see exhibit A ). 

I am hereby reporting MIDLAND CREDIT MANAGEMENT INC for violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During my routine credit check, I discovered that Capital One has reported two charge-off debts on my consumer credit report. This notation was unexpected and concerning to me, as I have no recollection of any outstanding debts with Capital One. I have kindly requested that they provide me with detailed information regarding this charge-off. Furthermore, as per IRS regulations, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C form to the debtor for tax reporting purposes. Since the debt in question show 's as charge-off on my consumer credit report by Capital One, I have requested that they provide me with the appropriate 1099-C form as required by the IRS, to no avail. I have also requested they provide me with a written explanation of the debt in question, including the original amount, the date of charge-off, and any pertinent details regarding the nature of the debt. Additionally, I have asked that Capital One promptly furnish the necessary 1099-C form to ensure compliance with IRS regulations .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. XXXX stated that they would remove from all 3 of the big credit bureaus, Experian is still showing this on their report.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX I gave birth and started a NJ XXXX week XXXX leave. NJ uses Money Network to distribute payments. On XX/XX/XXXX I received my Money Network card in the mail and I couldnt activate the card via their app. It said to call. I called and someone had already made an account before I received the card. They took {$4000.00} of my NJ XXXX funds on XX/XX/XXXX the Money Network agent told me. This was XXXX  days before I had ever even received the card in the mail, making it impossible it was me. I opened a claim and sent them XXXX Informed Delivery Proof that I received the card days after the money was taken, and they said this was not enough proof and closed my claim. I called multiple times and asked to talk to supervisors, trying to find what proof would be deemed accept acceptable to them and I am always transferred to a supervisor line where I wait for over an hour and no one picks up the phone.

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 2024-05-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

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 2024-05-14 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: GA

Complaint narrative:
This letter serves as an escalation notice regarding the unresolved issue of inaccurate negative entries on my credit reports. Despite previous communication and evidence submitted, these errors persist, negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
This letter serves as an escalation notice regarding the unresolved issue of inaccurate negative entries on my credit reports. Despite previous communication and evidence submitted, these errors persist, negatively impacting my creditworthiness.

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 2024-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
THEY CLOSED THE ACCOUNT AND DID NOT GIVE ME MY BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you check the documents, please? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some secured loan that did not have permissible purpose and not belong to me and i am never apply for that loan, XXXX XXXX XXXX  XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and i see on my XXXX credit report that i have also late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-14 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: MI

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX on 2023 XXXX XXXX  reported a late payment for XXXX  days late, due date is on the XXXX payment drafted from my account on the XXXX i was never late and now after speaking with a supervisor he doesnt see where im XXXX  days. please not the fair act credit report suggests that you send accurate information to the credit bureau, a complaint has been filed with FTC also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Account name DEPT OF ED/XXXX Date Opened XX/XX/year> Balance XXXX Monthly Payment {$0.00} Original balance {$1700.00} I contacted the server and I was told I shouldn't have any negative feedback on my report due to me being under a program that doesn't require me to pay the loan. 
I disputed this on my credit report, it still shows up as negative affecting my score. I would like this collection removed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My name is XXXX XXXX, I filed an arbitration against Transworld Systems , Inc., however, I have received a notice from the XXXX XXXX XXXX, informing me that Transworld Systems , Inc., failed to comply with the XXXX  policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with Transworld Systems , Inc. This means they are not only in breach of contract with me but with every other account, Transworld Systems , Inc. is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against Transworld Systems , Inc. on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Marlette Funding, LLC
State: SD

Complaint narrative:
I've disputed this credit report error twice. I've even called Best Egg and talked to the fraud department about this particular account. When I call in and insert my info, they can't find me. Once they search for my Social Security Number, they seem to find the account. However, nothing else matches. My name and birthday are not what's on the loan? Best Egg will not remove it from my XXXX credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
Vehicle was return to XXXX XXXX and they were force to payoff loan that had not been consumated by Illinois Attorney General 's Office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Vehicle was return to XXXX XXXX and they were force to payoff loan that had not been consumated by Illinois Attorney General 's Office

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