vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Equifax is wrongfully, publishing a 30 day delinquency on my XXXX account in XXXX on credit report. I set up two months of deferred payments. I want this changed to paid as agreed or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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/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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: RI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested my bill date to change to the end of the month. Upon doing this, I was notified it would take 1-2 billing cycles to take effect. I currently have a bill due on XX/XX/XXXX. Upon logging into my account it states I also have a bill generated on XX/XX/XXXX, due on XXXX XXXX. I called chase and spoke to a manager on XX/XX/XXXX at XXXX XXXX  PST and was advised that this is not normal, should not have happened, and would be adjusting the due date to XX/XX/XXXX, to allow proper time to receive the bill in the mail, and have a min of 21 days to pay it. He was having difficulty making the change, and said he would need to transfer me to someone else to get the change Made. I was cold transferred to the Chase collections team, wherein the agent was not helpful, but rather counseling me on ways to pay the bill due by the XXXX of XXXX. 

I received the first iteration of this bill online, today, XX/XX/XXXX. 21 days from this date is XX/XX/XXXX. Also noting, my due date had I NOT made a change would be XX/XX/XXXX, not even the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood has froze my account with {$36.00} for what they deemed account security. I have submitted all documents and spoke with them twice still they haven't unrestricted my account. I need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WI

Complaint narrative:
This complaint is for Roundpoint Mortgage our current Mortgage provider. This provider was not one that we choice as a company, they purchased our loan from in XXXX from XXXX who purchased from XXXX XXXX XXXX. All in all it has been a nightmare from day 1. In XXXX of XXXX I received a statement that my mortgage insurance was going up by 40 % and was given a recommendation by Roundpoint Mortgage to reevaluate my options for Mortgage insurance. In XXXX of XXXX we found a new provider that was going to be approximately the same price as our current provider. We made the switch to the new Mortgage insurance company ( XXXX  ) in XXXX of XXXX and made sure we communicated all transitions with Roundpoint Mortgage. At that time of communication to Roundpoint we asked for a new analysis to be done so we knew what our new Mortgage payment would be with an updated Insurance and taxes. When the analysis came back to us and the new payment was sent to us we started payment immediately on what the statement asked us to pay. In XXXX of XXXX I received our tax bill and checked my escrow account/ amount to find that there was a significant difference in what was due and we had in our account. I followed up with the bank on XX/XX/XXXX to ask what happened and how this happened. I was informed on XX/XX/XXXX that this would be escalated and tuned over to management where they would follow up with me immediately via phone and email at my request. I never heard from anyone. I called today for follow up where I was told that no such request was made. I had to go through the process and problem with 2 individuals where I was told on the phone today ( XX/XX/XXXX ) by a supervisor by the name of XXXX that I should have the understanding that I was " saving '' close to XXXX dollars for 9 months on my payment and that I owed the escrow account {$3200.00} now. I then stated That every month I had been paying the monthly amount on the statement how would I have known that the account was shorted by the {$3200.00} dollars. How was this my fault and that Roundpoint was the one who sent me the statement with my payment based on their own analysis. I am completely confused how this is my responsibility as I have been paying every payment that was assessed and reviewed by Roundpoint mortgage. where I am now being asked to either pay the difference now or it will impact my monthly payment moving forward. I feel like I did nothing wrong and have been making my payments as requested by Roundpoint and they as an organization made the mistake. I am not sure what to do.

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 2025-01-11 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:
All of my information was exposed in a data breech. If I have to take this to court personally, I will. This is definitely unlawful & I am prepared 100 % to clear my credit report of all negative accounts. XXXX XXXX people information exposed. Credit report cleared or monetary recouping and credit clearing will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
I called XXXX in XXXX and informed them that I had a reduction in household income and wouldnt be able to make the monthly payment. I was ensured by the representative that my auto-pay would be paused and my account would be reviewed for financial assistance. I was advised I would receive notification once a decision on my assistance request was determined. However, the auto-pay wasnt cancelled, causing me have it borrow money to pay more important bills and for food. Also, I was never contacted or notified about my financial assistance request. The same exact thing occurred in XXXX and my payment was again drafted, causing financial hardship. I called again at the beginning of this month and was once again ensured my payment wouldnt be drafted and I would be reviewed for financial assistance. However, I just got off the phone with a manager named XXXX, who was very pleasant and kind by the way, but she told me no financial assistance was available and confirmed that my previous payments should not have been drafted but didnt know why. She ensured me that my payment for this month would not draft but that I should call back on XX/XX/year> to ensure it didnt. That doesnt sound very reassuring to me and I just want my auto-pay canceled until I can get back on my feet. However, I was informed multiple times that my auto-pay couldnt be canceled over the phone and I had to send them a formal letter via mail in order for it to be cancelled. That sounds like they are trying to make things as difficult as possible for their customers so please consider this complaint my formal written request to cancel my auto-pay. I will resume payments when I get back on my feet. 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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I had bank accounts with PNC for the past 10-20 years. I have always been able to bring my public facing account into a positive deposit balance. PNC has never shared the private account balance, or provided necessary tax forms to declare the value of principal funds, interest, or other accounting details, in accordance with GAAP accounting principles. 
On XX/XX/XXXX, I met with a bank representative XXXX. I showed him my Tbonds at the U.S. Treasury, with a value of {$33000.00}, and asked for his assistance to make the transfer from the Treasury Legacy account to PNC. He signed and stamped the Treasury paperwork. I register mailed to the Treasury. On XX/XX/XXXX, the U.S. Treasury notified me that they would not be completing the transfer, PNC had closed my account. 
My account was insured by {$250000.00} FDIC insurance against any negative incidents, by the U.S. Government. Rather that use the insurance money to credit my public facing account number XXXX, the bank kept the insurance money, and private account balance principal and interest, essentially stealing my money. This will be reported to the IRS/U.S. Treasury, and I will certainly be reimbursed. However, I wanted to bring this issue to your attention, and make a formal complaint that Banking Rules are not being followed and my Consumer Credit has been negatively impacted by this unauthorized closure of banking accounts by PNC. I no longer have access to my banking/Consumer Credit transactions to be able to accurately file IRS tax forms. So I will have to request an audit of the accounts by the IRS. This is a huge inconvenience. Additionally, I am unable to access Consumer Credits and exchange them for Federal Reserve Notes, or create bank drafts needed for consumer credit transactions. My ability to trade and do commerce freely has been diminished by the actions of PNC bank. I am requesting access to my accounts be restored, so that I may freely access my consumer credit activities, and be able to participate in the marketplaces and IRS in all required manner for myself and the Trusts which I am Trustee. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SD

Complaint narrative:
I have several student loans i took with XXXX. XXXX then sold the loans to Firstmark services. At the time of the transfer, my loans were in deferment status. The loans had previously returned to a repayment status during the semester gap between XXXX and XXXX, but once i started school again i worked with XXXX  to return my loans to deferment status and provided proof of enrollment. XXXX assured me that no changes would be made to my loans status as part of the transfer to Firstmark. a couple months later, during the same semester, I discovered that my loans had incorrectly been moved to repayment status because Firstmark was contacting my cosigner ( I did not receive any mail from Firstmark until after i heard from my cosigner ). On XX/XX/XXXX I contacted Firstmark customer service demanding they correct this error and provided the same proof of enrollment that I had previously provided to XXXX. They responded XX/XX/XXXX claiming no wrongdoing on their part and stating they had confirmed the enrollment status and would return the loan to deferment status. At this point i contacted my State AGs office and they have not responded. Today ( XX/XX/XXXX ) I discovered that Firstmark failed to return the loan to deferment status and sent another email to Firstmark customer service demanding they correct this error and demanding an explanation as to why they did not correct this as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
In XX/XX/, I took out a {$2000.00} loan from Integra Credit to cover overdue HOA payments, as the rates for all HOAs in Florida had more than doubled, leaving me in a desperate situation to prevent foreclosure on my home. While I have consistently made payments on the loan, the termsessentially resembling those of a payday loanhave created a financial trap with no foreseeable end in sight. 

The interest rate on this loan is an astronomical 187.68889 %, resulting in a staggering {$4600.00} in finance charges and interest. This excessive rate has made repayment unsustainable and feels grossly unfair, especially since I have already paid back the {$2000.00} principal. Asking me to pay nearly {$5000.00} in additional charges is not only unreasonable but also seems predatory and exploitative. 

I urgently need help to address this situation. I believe Integra Credit 's practices may violate fair lending laws, and I am seeking options to challenge these excessive charges, either through negotiation, legal recourse, or regulatory intervention. This loan has become a financial burden that far exceeds what is reasonable or ethical, and I need assistance to resolve this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
Our mortgage company department of escrow services sent XXXX insurance a check for {$3800.00} on XX/XX/XXXX for our Homeowners Insurance Policy. Which paid our insurance bill in full and effectively securing insurance on our behalf for policy effective dates XX/XX/XXXX until XX/XX/XXXX. 

As of today XX/XX/XXXX we have received a statement from First Interstate Bank XXXX, MI XXXX regarding the fact that they have placed lender placed insurance on our home on our behalf as they have not received current insurance documents on our home. I did reach out to XXXX  as of today and they did confirm that the insurance was paid for out First Interstate Bank Escrow Services with check # XXXX on our behalf and that the current insurance policy documents were provided to First Interstate Bank Mortgage Services on or before XX/XX/XXXX. 

Why can First Interstate Bank communicate between branch to branch instead of harassing the consumer. It even clearly states on our Mortgage Statement dated XX/XX/XXXX that a total of {$6100.00} has been paid out of our escrow account on our behalf. Out of that total amount. {$2300.00} in taxes and {$3800.00} for insurance. Clearly our homeowners insurance policy was paid out of escrow account and XXXX sent the new policy information to the mortgage company. WHY is First Interstate Bank almost 3 months later now claiming to have placed lender placed insurance on our mortgage when we already had it paid on our behalf out of our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: LA

Complaint narrative:
I would like the dates corrected my accounts corrected my bankruptcy corrected my inquiries corrected my address corrected my credit score corrected.

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 2025-01-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX is alleging that I owe them a credit card balance. Upon requesting a debt validation and verification. They failed to provide me with any information, instead they are requesting i send them personal information. 

XXXX. Comenity bank XXXX # XXXX is alleging I owe them on a credit card balance that went to charge off. I never made any payment as I was unaware and this account was opened fraudulently. Upon requesting debt validation, verification, signature of where I signed this alleged debt. They failed to produce any information. 

XXXX. XXXX XXXX XXXX XXXX is alleging I owe for a chargeoff. Where I have no knowledge. Upon requesting for debt verification and validation. They failed to produce any proof. The following accounts are not mines. And I want them to be deleted from my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX is alleging that I owe them a credit card balance. Upon requesting a debt validation and verification. They failed to provide me with any information, instead they are requesting i send them personal information. 

XXXX. XXXX XXXX XXXXXXXX # XXXX is alleging I owe them on a credit card balance that went to charge off. I never made any payment as I was unaware and this account was opened fraudulently. Upon requesting debt validation, verification, signature of where I signed this alleged debt. They failed to produce any information. 

XXXX. Home depot/citibank XXXX XXXX is alleging I owe for a chargeoff. Where I have no knowledge. Upon requesting for debt verification and validation. They failed to produce any proof. The following accounts are not mines. And I want them to be deleted from my credit bureau.

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 2025-01-11 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: GA

Complaint narrative:
XXXX, Equifax and XXXX are reporting a debt that does not belong to me. This debt is for an address Ive never ever lived at. See attached copy of my id that reflects my current and complete correct address

Company response to consumer: Closed with explanation