vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I am writing to formally file a complaint regarding ongoing issues with my mortgage payments and the mismanagement of my account. Despite my repeated attempts to resolve the situation, I have continued to face unnecessary fees and complications due to errors on The Money Source 's part. 

In XX/XX/year>, I updated my autopay information, changing my bank account from XXXX XXXX to my XXXX XXXX XXXX account ending in XXXX. I designated this new account as the " PRIMARY '' payment method, and assumed everything was in order, especially since I received no communication indicating any issues with the update. 

However, in XXXX, I began receiving what I initially thought were spam calls from The Money Source, urging me to contact them immediately. When I finally reached out, I was informed that my payment had not been processed, despite my bank account being linked for autopay. I was told that I would be held liable for return charges and late fees. 

During the call, I confirmed that my XXXX XXXX XXXX account ending in XXXX was visible to their system, and I approved the representative 's request to apply the payment to that account. Despite this, the same problem has occurred every month since. Each time I call, I am told that the payment is being applied to an account that was removed in XX/XX/year>, which is no longer linked to my mortgage. I am then penalized with late fees and return charges, even though the correct account is clearly listed in their system. 

This ongoing pattern of incompetence is completely unacceptable. I have been forced to repeatedly address these issues, yet each time, I am penalized for mistakes that are clearly the fault of The Money Source. Despite consistently requesting clarification, the outcome remains the same : I am wrongfully held responsible for fees caused by your mismanagement, while my payments continue to be mishandled. In my most recent conversation with a representative, I was instructed to obtain a written statement from my bank confirming that they had not been receiving payments from TMS, along with bank statements to prove my ability to pay my mortgage. This suggestion was not only unhelpful but insulting, as it shifts blame onto me for issues that are entirely your responsibility. 

As a result of this ongoing issue, I will be consulting with my lawyer to determine what would be a fair compensation amount for the financial and emotional damages I have incurred, including the late fees, return charges, and the stress and frustration caused by the repeated mistakes. 

I expect prompt resolution of this matter and will appreciate a detailed response outlining how this issue will be addressed moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FC HoldCo LLC
State: TN

Complaint narrative:
There was an agreement made and they were suppose to clear my account to be at XXXX balance. They was a phone call made at XXXX XXXX XX/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 2024-12-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates regarding an ongoing issue. Despite multiple attempts to obtain information about a debt their organization claims I owe, they have failed to provide the requested documentation necessary to validate the debt. 

On XX/XX/year>2024, I mailed a certified letter requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for the following information : What the alleged debt is for. 
A detailed list of the payment history for the account. 
Copies of documents showing I agreed to this debt. 
The original signature on the contract for this creditor. 
Verification or copies of any applicable judgments.

Identification of the original creditor. 
Proof that the Statute of Limitations has not expired on this account.

Information on whether an insurance claim has been filed on this account. 
The chain of title for this account. 
Proof of Portfolio Recovery 's licensing to collect in my state, including license numbers and their Registered Agent. 
As of XX/XX/year>2024, I have not received any of the requested documentation. Despite this failure, their organization continues to report this alleged debt negatively on my credit report. Additionally, a judgment has been placed on my credit report without my knowledge, and I was not properly notified of any such legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-26 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-26 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: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX  XXXX XX/XX/year>2024 XXXX XXXX XXXX  XXXX XX/XX/year>2024, XXXX XXXX  XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX  XXXX  XX/XX/year>2024 , XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024 , XXXX XXXX XX/XX/scrub>/2024 , XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX  XXXX XXXX XXXXXXXX  XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024 , XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 & XXXX XXXX XXXX XX/XX/scrub>/2024.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
Continue to report a debt on my credit report damaging my credit score and image! Defaming my character. Not supplying me with a proper verification of the debt, such as a signed contract with my signature. Refusing to stop all collection activities! I also will be filing complaints with the state attorney General if this issue is not resolved promptly and lawfully!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ACIMA CREDIT, LLC
State: DC

Complaint narrative:
I had purchased some furniture that was destroyed due to pipe bursting in my home the company ( a ima ) told me if something was to happen to the furniture that the insurance that I was enrolled in through would cover the balance but it didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: IN

Complaint narrative:
My name is XXXX XXXX. Last year I used XXXX app for while until I filled the bankruptcy XXXX on XX/XX/XXXX. XXXX is in list of bankruptcy. I got filled XX/XX/XXXX as XXXX. 

Until XX/XX/XXXX, I saw my statement bank that XXXX charged me 1 dollar membership which I closed the account. I tried to send email and call but those message keeps going to robot message and Not chance to get live person. It is hard for me because I am deaf. They keep send me email about number case, filled and other. I did send it to them but keep back to me the same message. I stopped by bank to fill dispute and bank tried to call them but they refused to talk with my bank because prefer to talk with me. But never chance, My lawyer suggest me to fill the complain with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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