vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 2024-07-10 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: NCB Management Services Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And NCB MANAGEMENT SERVICES INC XXXX XXXX XXXX XXXX, PA XXXX Pre- Arbitration Demand Notice DateXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX, I am writing to you as a consumer who has been wronged by the actions of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC . I firmly believe that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, resulting in significant harm and damages to me. 

This is a huge violation! How did you verify this Account? This is not even me. My Privacy of information has been breached! 

It is my allegation that XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer both financial harm and emotional distress. Furthermore, they have neglected to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I am also aware that the underlying contract contains a binding arbitration agreement mandating that disputes be resolved through arbitration rather than litigation. I am fully committed to enforcing this agreement and pursuing arbitration in accordance with the terms of the contract and applicable law. 
Based on the aforementioned circumstances, I am demanding the sum of {$5000.00} in compensation for the harm and damages endured as a result of XXXX XXXX XXXX and NCB MANAGEMENT SERVICES INC wrongful conduct. 

I implore you to take swift action to address this matter, as I firmly believe that prompt resolution is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. I am filing a complaint against you with the CFPB and the XXXX XXXX XXXX. 

Thank you for your attention to this matter, and I anticipate your prompt response. Please be advised that if resolution is not reached within 30 days from the date of this letter, I will proceed with filing a case with XXXX arbitration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I'm unaware of this debt, I didn't have opportunity to dispute this debt information. If in fact you believe I received property notification then please send me a certified receipt with my signature on it stating that I received it. If you can't provide that I ask that you remove this debt off my report immediately, if you don't you are violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-10 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: CA

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
In early XXXX of XXXX  I changed my home owners insurance to XXXX. 

XXXX XX/XX/year> I received a notice from XXXX that mccue has yet to pay my insurance bill. I then contacted mccue and asked for an explanation. 

Late XX/XX/year> mccue never answered XX/XX/year> I received an email from XXXX stating that for a second time mccue has refused to pay my insurance bill. In XXXX they will cancel my policy. 

In a clear violation of our mortgage agreement mccue is refusing to pay my insurance premium.

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 2024-07-10 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: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this 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 non-monetary relief
Consumer complaint received 2024-07-10 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:
his account was opened on the following data XXXX in XXXX and XX/XX/XXXX in Experian..this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian ... .this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX  Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union violated my rights under the Americans with Disabilities Act and Section 508 of the Rehabilitation Act by not administering my Auto Loan hardship deferment/payment arrangement in a manner that was accessible to my XXXX. 

As a result they reported my account 30 days late for XX/XX/XXXX. 

I entered into a hardship agreement with Navy Federal Credit Union for my Auto LoanMy loan payment with deferred payments from XX/XX/XXXX to XXXX XX/XX/XXXX due to financial hardship as a result of my XXXX. 

However, Navy FCU never annotated my account online in my web banking portal, or through my mobile app. Navy FCU did not provide the details of my payment deferment anywhere in my online banking. 

I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I rely on my assistive technology and digital devices to manage my finances. 

I was unable to manage this arrangement accurately due to this accessibility failure. 

XX/XX/XXXX. 

I made a good faith effort to honor the payment arrangement, in the absence of accommodation for my XXXX needs. 

I made timely payments on XX/XX/XXXX XX/XX/XXXX My account was current as of XX/XX/XXXX. 

My next payment was processed on XX/XX/XXXX As of XXXX XX/XX/XXXX my account was current. 

My XX/XX/XXXX payment was paid on XX/XX/XXXX. 

This payment was not returned. 

My next payment was on XX/XX/XXXX. 

In XXXX and XX/XX/XXXX Navy FCU removed my capability to process online payments, violating my ADA rights to accommodate my XXXX. This prevented me from making a timely payment causing my payments to be late. 

Removing my ability to manage my finances through my assistive technology online is a blatant violation of my civil rights as a person with a XXXX. This action directly harmed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-10 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : XXXXXXXX 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/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
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted an FTC report of identity theft, which included evidence of fraudulent activities and inquiries made in my name and uploaded documents to all credit reporting agencies. Despite this, Experian has neglected to update my credit profile accordingly, leaving incorrect information on my report and failing to remove the fraudulent inquiries. 

This oversight has led to significant discrimination against me when applying for credit, as potential creditors have access to inaccurate information that adversely affects my creditworthiness. Experians inaction is a direct violation of the Uniform Commercial Code ( UCC ) provisions for removing fraudulent accounts, along with several other violations. 15 USC 1681b ( 2 ) states any negative item that a company reports without my consent is considered identity theft and fraud.

15 USC 1681n If the credit reporting agencies don't delete your negative items after you dispute the its {$1000.00} per item.

15 USC 1692 report fair and all consistent reports to all agencies.

Experians failure to act constitutes a violation of my rights under the federal law of FDCPA and their actions have led to abusive, deceptive, and unfair practices affecting my credit and ability to obtain new credit.

The continued presence of these inaccuracies on my credit report has caused me undue stress and financial harm. I have been denied credit opportunities and have suffered damage to my reputation as a result of Experians negligence.

I am requesting the following actions be taken : Immediate correction of my address on my credit profile.

Removal of all inquiries identified as fraudulent in my FTC report. 
Removal of XXXXXXXX XXXX XXXX XXXX account. 
Monetary compensation for the damages incurred due to these errors. 
I have attached copies of all relevant documentation, including the FTC identity theft report regarding this matter. 

I expect a prompt response to this complaint and resolution of the issues outlined above. According to the CFPBs complaint process, most companies respond within 15 days. I trust that the CFPB will handle this matter with the urgency it requires. 

Thank you for your attention to this serious 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 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against CREDIT COLLECTION SERV, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : CREDIT COLLECTION SERV has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ).

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. CREDIT COLLECTION SERV placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : CREDIT COLLECTION SERV has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices.

Violation of New York XXXX Statute of Limitations : The statute of limitations to collect this debt in New York XXXX  has passed. According to New York XXXX laws, the statute of limitations for debt collection is three years. CREDIT COLLECTION SERV is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights. 

Additionally, I am disputing owing any and all debts to CREDIT COLLECTION SERV. Furthermore, I am revoking all rights of CREDIT COLLECTION SERV to communicate with me through email, text, or calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: SC

Complaint narrative:
I woulld like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief