vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Before i begin, i would like to say i have never had this issue with another XXXX XXXX. Before i had medical issues and my life turned upside down, paired with TWO hurricanes hitting my state, ( which still has homes here uninhabitable, driving rent up ) i was always timely with payments and as soon as i knew money would be an issue i signed up to be on a plan, on any card i had, in order to decrease debt. XXXX XXXX can attest to that. 
XXXX did not have any sort of debt relief option. XXXX was my first credit card. The way that discover sends out sign up letters to freshly XXXX XXXX XXXX to potentially permanently damage their lives for a LONG time is extremely predatory. The way that this is even legal stuns me. Anyone under the age of XXXX does not understand that responsibility. 
My unhappiness with discover stems from the day that i accidentally typed a wrong number on my banking info to send through my money that would FINALLY, after trying to save for so long, CLEAR my debt. The payments had issues, which i still never have gotten the full grasp of due to horrible customer service, going from department to department and being told different reasons, in confidence i was being told the correct information, to a guy that was not so subtlety telling me theres nothing he can do and to cry about it, ( which is probably documented ) and that my account will remain closed. Ever since then ive tried to be consistent with the payments despite my medical circumstances, I have signed up for the program to alleviate my debt, and i am still getting credit reports that i am missing payments although my payments are not until XXXX. 
Now this will affect me for years, not only am i XXXX XXXX XXXX facing the worst economy america has ever seen, my odds of having anything of value in this life are already slim, i then have to deal with this horrible establishment that has been screwing me over for the past year.. time and time and time again and not being anyway helpful about it.

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 2025-01-29 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection account with Pro Collect , Inc. I recently discovered a {$910.00} collection account on my credit report from a previous apartment complex. I was never informed of this debt by the apartment complex or Pro Collect prior to it appearing on my credit report. 
Today, XX/XX/year>, I contacted Pro Collect to discuss a resolution and inquired about a pay-for-delete arrangement. I also explained that I had never received prior notification of this debt and would have handled it had I been made aware. 
During the call, the representative ( He went by XXXX XXXX ) was extremely rude, unprofessional, and aggressive. They : Threatened me by stating that I had only two days to pay or they would take legal action, which I understand may be a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Refused to answer my questions about the debt. 
Hung up on me when I tried to explain my situation. 
Left me feeling harassed, intimidated, and in tears. 

Pro Collects behavior violates federal and state debt collection laws, which prohibit harassment, threats, and deceptive practices. Under the FDCPA, debt collectors must : Treat consumers fairly and respectfully. 
Provide verification of the debt upon request. 
Refrain from making false, misleading, or unfair threats regarding legal action. 
I request the CFPB to investigate Pro Collect for their unlawful and unethical collection practices and to take appropriate action against them. I also request that they be required to : Cease all harassment and threats related to this account. 
Remove the collection from my credit report due to their failure to notify me and their improper conduct.

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 2025-01-29 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceedings ( XXXX XXXX XXXXXXXX ) XXXX them for similar violations. I request that the CFPB federal law and provides consumers with the necessary proof of investigation. These are the accounted that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Subject : Urgent Dispute Incorrect Charge-Off & Failure to Notify ( Millennium Cove Acct : XXXX ) * Dear Equifax Representative XXXX I am writing to formally dispute the charge-off reported by Millennium Cove on my Equifax credit report. The details of this account are as follows : Creditor : Millennium Cove Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : This charge-off is incorrect my lease was fully paid, I was never notified, and no XXXX  Form XXXX was issued XXXX 
Reasons for Dispute : I had a lease with XXXX XXXX, but my financial obligation was fully satisfied. 

I never missed any payments and left the lease in good standing. 
This charge-off is an error because I do not owe XXXX XXXX any outstanding balance. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), creditors must notify consumers if they report negative information, including charge-offs. 
Millennium Cove never sent me any notice before marking this account as a charge-off.

Failure to Issue XXXX XXXXorm XXXX for Canceled Debt ( XXXXXXXX  Violation XXXX XXXX. XXXX ) Under IRS regulations, if a company cancels or charges off {$600.00} or more in debt, they must issue Form XXXX to the XXXX and the consumer. 
If XXXX XXXX claims this was a true charge-off, then they must provide me with a XXXX form for tax purposes. 
Since no XXXX was issued, this charge-off should not exist on my credit report. 
Requested Actions : Immediately remove this charge-off from my credit report, as it is an error. 
Provide documentation proving that I owed a balance after my lease ended. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the XXXX  and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement that this debt was incorrectly reported. 
As required by the XXXX XXXX XXXX XXXX  XXXX ), you must conduct a full reinvestigation within 30 days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and the XXXX  for failure to comply with federal tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EAGLE BANCORP, INC.
State: FL

Complaint narrative:
I previously had an issue with eagle for which employee XXXX XXXX Was able to fix and provided me a courtesy adj on my rate. 
Recently I encountered more issues I communicated to employee XXXX XXXX she said she Ill take care of it and find out regarding a interest increased due to the issue. I have been waiting and it has not happened, even after I reached out to the rep. Im requesting for the increase of my current interest rate for the issues encountered that should have been documented. If you need detail of what happened Ill be happy to provide via call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The company is requiring me to enter a physical branch to close my business accounts. I did not agree to any such terms. I was able to open my accounts online without any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Civil liability willfully and knowingly failed to follow their responsibility under the equal opportunity act, and the fair credit reporting act for failure to cancel account making it hard when they don't have my consent

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 2025-01-29 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: CO

Complaint narrative:
Incorrect names that are not me are listed on my credit report- I have been affected by multiple breaches and it is reflecting

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 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
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: IL

Complaint narrative:
Shellpoint Mortgage Servicing is repeatedly asking me to submit a master condo hazard insurance policy for my property. I have sent them this information everyone they asked before. But every few months they keep in sending me a notice. I submitted the insurance policy on their preferred online address as well.

They claim they are a debt collection agency ( my original mortgage held by XXXX XXXX  was sold/assigned to them ). 

Shellpoint are purposefully sending confusing notices with no other way to reach them except by fax. Or mailing address at : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made it harder to reach them Online via convoluted way of accessing g the website.

It is my feeling that they are finding reasons to create an issue with mortgage payers so that they can start a debt collection process. Since they are actually a debt collection agency, I am confused that why my mortgage was sold to them by XXXX XXXX. 

Kindly audit the process and reality of Shellpoint Mortgage Servicing which is actually a debt collection agency.

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 2025-01-29 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion for failing to correct multiple inaccurate late payment notations on my credit report. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting under 15 USC 1681e ( b ) and the right to privacy under 15 USC 1681a ( 4 ). Upon reviewing my credit report, I identified six accounts where late payments were inaccurately reported and should be updated to reflect a " Paid as Agreed '' status. These accounts include XXXX XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX ( Acct # : XXXX ) with late payment from XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # XXXX ) with late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; and XXXX XXXX ( Acct # : XXXX ) with a late payment in XX/XX/XXXX and XXXX XXXX. TransUnion has failed to conduct a proper investigation as required under 15 USC 1681i ( a ). Additionally, under 15 USC 1681b ( 2 ), a consumer reporting agency may only furnish a consumer report by the written instructions of the consumer. I never provided written authorization for TransUnion to report these inaccurate late payments. By failing to ensure accurate reporting, TransUnion has not only violated federal law but has also caused significant harm to me, including defamation of character, emotional distress, and financial hardship. Due to these inaccuracies, I have been unable to secure a mortgage, which has left my family in a vulnerable housing situation. I am requesting that the CFPB investigate TransUnion 's failure to comply with federal law and take immediate corrective action. I demand that TransUnion update the accounts to reflect a " Paid as Agreed '' status, provide written confirmation of the corrections, and issue an updated copy of my credit report within 14 days. TransUnions negligence in reporting and failure to correct these inaccuracies violate my rights under the FCRA, and I urge the CFPB to intervene to ensure compliance and accountability.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit agency like XXXX, Tranunion and XXXX has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.

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 2025-01-29 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: NY

Complaint narrative:
The credit agency like XXXX, XXXX and Equifax has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
They told me the loan would be 1.9 % interest but it turned out to be 1.9 % per day. The website still advertises misleading info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report specifically pertaining to Navy federal account, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX and XXXX neither removed nor corrected the Navy federal account information.

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes.

In my case, XXXX and XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities.

I urge the CFPB to investigate XXXX and XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

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 2025-01-29 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: TX

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report specifically pertaining to XXXX XXXX XXXX, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX and Equifax neither removed nor corrected the XXXX XXXX  account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX and Equifax failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX and Equifax ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Recently I submitted a payment on the XXXX that cleared with my bank on the XXXX, but Citi has placed it on hold until the XXXX. I submitted another payment that cleared with my bank on the XXXX that is also on hold ( not sure how long ). Citi has previously put cleared funds on hold multiple times, one time for about 2 weeks, locking me out of using my card even when I've overpaid it. I've only made payments from my Citi checking or the same account at another bank. Citi has acknowledged everything has settled but said they are on hold because it was a larger then usual amount, or because I made more than one payment in a month, and said that no one at Citi would be able to remove the hold. Citi 's unjustified holds on cleared funds is hurting my ability to do business and rely on the card for everyday transactions.

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