vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland credit Managment account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear Midland Credit Managment , I, XXXX XXXX , am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days to avoid pre abirritation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the inaccurate reporting of a DISCOVERBANK account ( Account Number : XXXX ) on my TransUnion credit report. The account contains numerous late payment entries that are completely inaccurate. I have always paid this account on time, and these reported late payments are false.

This incorrect reporting violates my rights under 15 U.S. Code 1681a ( 2 ) ( xi ), which mandates accurate and verifiable reporting, as well as 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require timely investigation and correction of billing and reporting errors.

Despite submitting a dispute to TransUnion, they have failed to correct the late payment inaccuracies or provide evidence verifying the accuracy of this information. This false reporting is damaging to my credit profile and misrepresents my financial history.

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 2024-12-08 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: Experian Information Solutions Inc.
State: GA

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.

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 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX stated that I was late multiple times, but I have no record of ever missing a payment.

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 2024-12-07 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: TX

Complaint narrative:
XXXX XXXX stated that I was late multiple times, but I have no record of ever missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Credit company stated that I was late multiple times, but I have no record of ever missing a payment.

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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank accounts recharge me for a past account which was paid in full and closed over two years ago. The company after being contacted by me stated the account was closed due to receiving the last payment, further action was needed. 
XXXX XXXX XXXX  XX/XX/year> XXXX XXXX Re : Customer # XXXX Dear XXXX, Please take notice that XXXX XXXX XXXX XXXX  ( the " XXXX XXXX '' ) has been dissolved effective XX/XX/year>. 
The XXXX XXXX hereby notifies you that you have no further obligation under any loan agreements entered into between you and the XXXX XXXX. 
All outstanding balances have beenforgiven and are non-collectible as of XX/XX/year>. XXXX assured since your loan was not reported to credit reporting agencies, the re are no tradelines impacting your credit report. 
For more information please visit lcofinancial.com/pressreleases Should you have any furtherquestions, please do so in writing, to XXXX Sincerely, Customer Relations XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Deletion of Inconsistent Information from Credit Report Dear Sir/Madam , I hope this letter finds you well. I am writing to formally request the deletion of inaccurate and inconsistent information from my credit report. After reviewing my credit report, I have identified an entry that I believe contains errors or inconsistencies that require immediate attention and rectification. 
Account Information in Question : Account Name/Number : XXXX Creditor Name : T.D Bank Date of Report : XXXX I believe that this entry is incorrect due to the last activity dates as Last Activity XX/XX/XXXX, Last Activity XX/XX/XXXX and Last Activity XX/XX/XXXX. The payment history also shows inconsistencies as wel Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate, incomplete, or unverifiable information removed from my credit report. I kindly request that you investigate this matter, and if the information can not be verified or is found to be inconsistent with my records, I request that you delete it from my credit report entirely. 
Please inform me of the outcome of your investigation within the 30-day period required by law. If you require any further documentation to support my claim, I would be happy to provide it. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello so I have had a credit card with Huntington for 6 months about and have had issues from the beginning. So I set up auto pay for my CC and sometimes it works and alot it does not. 

So today I talked to XXXX a supervisor who flat out lied about my Financials on the phone with me. He states that XXXX I had no balance due. My issue with that is I called specifically for the {$1200.00} that was not deducted. 

So XX/XX/XXXX it should been auto paid. But was not so I called about the XXXX and was told it would be auto paid on XX/XX/XXXX. So I paid it XX/XX/XXXX to get my limit back up. 

On XX/XX/XXXX the auto pay went thru but shows I still have a balance of {$89.00}. 

I want to know why the auto pay worked XXXX but not XXXX. If I did not check my account then it would have lapsed in the XXXX payment and then they would have charged me interest. 

And now it says I still owe {$89.00} for XXXX makes it look they took partial payment so they could charge me interest on the balance they left

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My complaint concerns how MOHELA has classified the administrative forbearance in my account for three relevant months. In short, I have already reached 120 qualified payments for Public Student Loan Forgiveness ( PSLF ). My employer certification is pending with Federal Student Aid ( FSA ), but there are several issues that need to be resolved ASAP on Mohelas end, but they refuse to help by sending me back to FSA when the issue is on their end.

By the correct count, my final qualifying payment should have been XX/XX/XXXX, getting me to 120 qualifying payments. At issue with MOHELA is how it has classified two separate periods of forbearance. 

XXXX. XXXX and XX/XX/XXXX : Both these months should be listed as having a PROCESSING Forbearance that counts for PSLF, not an administrative forbearance that does not count. Since late XX/XX/XXXX, per Federal Student Aid 's guidance, I requested to be moved from SAVE ( which is currently paused and payments do not count for PSLF ) to IBR ( where payments do count for PSLF. Per FSA guidance, student loan providers that are unable to process the application for a payment swap must place borrowers in a 60 day processing forbearance, which FSA will count as qualified payments for forbearance. So, XXXX and XX/XX/XXXX should be listed as processing forbearance. 

As a last resort, if XXXX and XX/XX/XXXX do not count for whatever reason, then per Federal Student Aid guidance issued on XX/XX/XXXX, I submitted an electronic application to swap from SAVE to IBR on XX/XX/XXXX. While my application is being processed, Mohela should place. XXXX on a 60 day forbearance that should have XXXX and XX/XX/XXXX count for my XXXX qualified payments. Again, this is only last resort because per XXXX  guidance, and as a result of my repeated request to MOHELA since late XX/XX/XXXX to switch from SAVE to IBR ( see attached requests and responses ), and their confirmation on XX/XX/XXXX that my request was being processed, XXXX and XX/XX/XXXX should count as qualified payment months while I was placed on a processing forbearance 2. XX/XX/XXXX : Mohela inexplicably lists this month as being on administrative forbearance, that does not count for PSLF. However, I was pm forbearance during this period at the fault of my former loan provider while they swapped my loan payments plans. This month should also be listed as under a processing forbearance that counts for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX ENTRIES FROM CONSUMER CREDIT REPORTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX FROM CONSUMER CREDIT REPORTS NOW

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 2024-12-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX ENTRIES FROM CONSUMER CREDIT REPORTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX  FROM CONSUMER CREDIT REPORTS NOW

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 2024-12-07 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: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DIVERSIFIED ADJUSTMENT account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Request Alleged Debt Dear DIVERSIFIED ADJUSTMENT, I, XXXX XXXX XXXX am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
paid XXXX for XXXX $ giftcard XXXX bought through vanillagift that issued by XXXX XXXX card number is XXXXXXXX XXXX XXXXXXXX those card have been failed to use and they put it on hold i called customer service they told me they can only refund me XXXX but not the service fee. 
and ask me to wait for XXXX business days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My information was involved in the equifax data breach. In return, accounts were opened without my authorization!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am disputing a debt that was transferred and is being collected by NCB Management Services. I initially entered into a contract with XXXX, and my original account was under their terms and conditions. However, I have discovered that XXXX XXXX XXXX XXXX is now listed as the entity involved in my account, but XXXX XXXX XXXX XXXX was never a part of my original agreement with XXXX. 

In XX/XX/XXXX, I signed a contract with XXXX for a credit product. The transaction history I received lists XXXX XXXX XXXX XXXX as the entity responsible for funding my account, but I never had an agreement with XXXX XXXX XXXX XXXX. Furthermore, I have an Assignment and Bill of Sale indicating that XXXX XXXX XXXX XXXX sold the debt to NCB Management Services, but I have not received sufficient documentation from either company proving that this debt is valid, transferred correctly, or assigned to NCB Management Services.

I have made several attempts to request proper documentation to validate this debt and prove that NCB Management Services has the right to collect it : On XX/XX/XXXX, I sent a request to NCB Management Services for validation of the debt. 
On XX/XX/XXXX, I sent another request, and NCB Management Services responded but did not provide the necessary proof required under the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I sent another request for verification, and again received a response, but without the requested proof. 
On XX/XX/XXXX, I contacted them once more, but they have continued to fail to provide the required documentation to prove the debts validity or the transfer process from XXXX  to XXXX XXXX XXXX XXXX, and then to NCB Management Services.

Despite receiving responses, NCB Management Services has failed to provide the documentation needed to validate this debt under the requirements of the FDCPA. I am requesting that NCB Management Services cease reporting this debt until they can prove its validity and show the proper documentation of the transfer of the debt from XXXX  to XXXX XXXX XXXX XXXX and then to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX, I sold my home. However, the mortgage company, XXXX, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information 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 non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
In XXXX, I sold my home. However, the mortgage company, XXXX, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
In XXXX, I sold my home. However, the mortgage company, XXXX, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information 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 2024-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was able to finally speak to a Robinhood agent who advised I needed to submit documents to confirm the name on my account matched my government ID. I submitted my drivers license, US passport, marriage license, birth certificate, social security card and they still claim my name does not match. They are also asking for non US passport now, which I dont have. 
They claim its due to an IRS tax issue. 
I have repeatedly tried to submit these documents since early XX/XX/year> but Robinhood has never replied with a resolution or status update. 
I am trying to close my account and access my funds.

Company response to consumer: Closed with explanation