vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: MI

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 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The MyLowe 's Reward Credit Card recently changed their policy and have started to assess their customers for a paper statement fee. I don't recall being informed of this change and furthermore since the change I was not getting the paper statement even though I was being charged for them. After explaining this to the representative on the phone I was informed that there was a mailing issue and my fees for the paper statements, interest and late fees would be waived. I immediately made a payment for the {$48.00} that I owed and confirmed the new balance would be {$0.00}. The next day I noticed yet another late fee and interest was charged. When I called back, I encountered resistance from the original rep and the supervisor. After a 15-minute exchange they finally waived my fees but could not confirm with any certainty that this issue would not negatively impact my credit report. They told me I would need to do the research and that if I saw something negative, I could put through another dispute.

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 monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a fraudulent complaint and bank denied me access to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I have been communicating with Experian for years, informing them of inaccurate information being reported on my consumer credit report. However, they have not been fair in reporting accurate information on my consumer report. Inaccurate personal information and accounts have been reported for years on my consumer credit report, as well as inquires that I did not initiate or authorize.

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 2024-12-31 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-30 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: MA

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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX and XXXX in XXXX, IL from XX/XX/XXXX through XX/XX/XXXX. Numerous lawsuits have proven that this school was fraudulent, and that they used deceptive practices to get people to enroll and obtain loans with their " preferred '' lending company, which was XXXX XXXX at the time. Since XXXX my loans have gone from XXXX XXXX to XXXX and now, more recently, to Mohela. On XX/XX/XXXX I submitted my XXXX XXXX XXXX application to XXXX. On XX/XX/XXXX I received an email from XXXX confirming they had received my application and would put my loans in forbearance for 60 days while they reviewed it. Since I was unable to submit all of my evidence in the same email as my application ( due to the files being too large ) I called XXXX and asked how I should submit the rest of my evidence. They said I could either send another email to them, upload the evidence directly to their website, or both. So, on XX/XX/XXXX I submitted additional evidence via email and by uploading some of the documents directly to XXXX 's website. The amount of evidence that I submitted to support my application was over XXXX pages. In XX/XX/XXXX I received notification that Mohela was my new loan servicer for my XXXX private loans. Then on XX/XX/XXXX I received an email from Mohela stating that my XXXX XXXX XXXX had been denied, and there was a link to XXXX denial letters- one for each of my private loans. The denial letters were identical, and were very vague, stating " XXXX carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I emailed Mohela and asked for a specific detailed reason for the denial. Unfortunately, their response was just as vague, stating " Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. '' This makes absolutely no sense. If an application is denied, there HAS to be a specific reason, otherwise it is simply unethical! That same letter stated that if I had any additional documentation, I could submit it to them for consideration. However, I submitted XXXX pages of SOLID evidence to support my application, and I can't believe that wasn't enough to prove to them that I was a victim of XXXX XXXX misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Subject : Complaint Regarding Unverified Debts on Credit Report by XXXX and Third-Party Debt Collectors Dear Sir/Madam, I am filing a formal complaint against XXXX and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, XXXX has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : XXXX XXXX XXXX XXXX XXXX$290.00} XXXX XXXX XXXX {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to XXXX and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with XXXX, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, XXXX has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues XXXX XXXX failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). 
The illegal collection practices by the aforementioned third-party debt collectors attempting to collect debts I do not owe. 
The removal of these accounts from my credit report if proper verification is not provided. 
An investigation into whether these companies have violated federal regulations, including penalties if applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2024-12-30 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: MO

Complaint narrative:
Ive identified unauthorized hard inquiries on my credit report, which violate 15 USC 1681c-2. These are damaging my credit, and I request their immediate removal.

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Please refer to complaint # XXXX. This was closed without resolving the issue. I would like it reopened and investigated further. I paid off the principal balance on XX/XX/year>. The company did not apply the payment towards the principal balance as it was intended. This loan was paid off and reflected paid off on their website. They are trying to repurpose the payoff payment to suit their needs and charge additional fees on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXXXXXX XXXX  deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXXXXXX XXXX XXXX deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-30 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: FL

Complaint narrative:
I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft reporXXXX 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 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 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 idenrtity theft reprt attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft report 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 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 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 XXXX XX/XX/XXXX idenrtity theft reprt attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Complaint Summary : Complainant : XXXX XXXX Company : Midland Credit Management LLC Issue : Involved a settlement agreement for a debt of {$1300.00}, where both parties agreed to a settlement of {$1100.00}. 
Problem : XXXX XXXX was billed {$1100.00} twice. 
The second billing for {$1100.00} incorrectly had {$200.00} removed, totaling the original amount owed instead of the agreed settlement. 
Midland Credit Management is accused of deceptive practices and failing to return the excess amount owed of {$1100.00}. 
The company has also not communicated or provided any email correspondence regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I mailed my XXXX mortgage pymt for {$2500.00} ( my normal monthly pymt ) to NewRez using their payment coupon. On XX/XX/XXXX, I contacted NewRez because the pymt had not yet cleared my account. I also utilized their " Contact Us '' portal outlining my concerns ( and received an email verifying receipt of inquiry and that someone would contact me within 48 hours to discuss same ). 

Today, XX/XX/XXXX, I went to my bank and put a " stop pymt '' on the check, called NewRez to confirm they had indeed not yet received the pymt, and then paid my XXXX pymt over the phone ( and received a verbal confirmation number; was told I would also receive a email pymt confirmation, but have not yet received it ). 

I then had the XXXX transfer me to the XXXX XXXX. to inquire as to why, 18 months post-bankruptcy filing, I could no longer access any " account details '' ( beyond the principal balance due, the monthly mortgage pymt amount, and the due date ), including payment history, making online payments, etc. The woman in the XXXX XXXX. ( XXXX ) informed me that " it's just their policy not to allow mortgagees who are in a bankruptcy to access their online account details ''. I reminded her that up until XX/XX/XXXX, I had, indeed, been able to access all details of my mortgage account, and that it was only in the last 2 months that access had been denied. I asked her why that was after all of this time. Her only response was that " she didn't know what to tell me, or could not tell me why after 16 months, I could all no longer access my account '', and again reiterated that is just " NewRez policy ''. 

I further inquired as to why, beginning in XXXX of XXXX, NewRez was now using a portion of my monthly mortgage pymt each month to pay their " attorneys fees '' that were accrued when NewRez filed their Notice of Claim in XXXX of XXXX ( in the amount of {$350.00} ). NewRez was not a listed creditor in my initial XXXX filing ( as my monthly mortgage pymts are being paid outside of the bankruptcy, and NewRez had no arrears due when the XXXX filing was made ). 

Again, I was not in arrears to NewRez when I filed my Chapter XXXX in XXXX of XXXX ; nor are any portion of my monthly Trustee 's payments being paid to NewRez. There is, also, an {$1800.00} " escrow overage '' that NewRez is claiming I can not be refunded until the bankruptcy period is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation