vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company 's system generated my information in their database without my permission, i have no knowledge of this account whatsoever, and I contacted them and nor do they. 

I demand this account to be removed off my credit report, effective immediately as its impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against NET CREDIT regarding their failure to provide proof of debt and their negative reporting on my credit reports. Below are the details of the issue : Background : Alleged Original Creditor : NET CREDIT Alleged Creditor Account Number : XXXX Alleged Balance : {$9400.00} Issue : I sent a formal dispute letter to NET CREDIT, requesting validation of the alleged debt by the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or proof of debt from them. 

Negative Reporting : NET CREDIT has been reporting this alleged debt negatively on my credit reports, adversely affecting my credit score and financial standing. This negative reporting persists despite the lack of validation and proof of the debt.

Enclosed Documents : For your reference, I have enclosed a copy of the current dispute letter I sent to NET CREDIT, which outlines my request for debt validation and the lack of response from their side.

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against NET CREDIT for their non-compliance with debt validation requirements and for reporting unvalidated debt to credit bureaus. I also seek the removal of this unvalidated debt from my credit reports to rectify its negative impact on my credit standing. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-25 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: ND

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
In 2022, I have contacted CFPB regarding my inability to access Equifax 's online dispute center. Shortly after contacting CFPB, I was able to access Equifax 's dispute field without any further issue. Now, however, I am dealing with the same problem as I did in 2022. For the past week, each day ( multiple times a day ) I've been logging into Equifax trying to dispute incorrect information on my report. With each attempt, this message is displayed : We are temporarily unable to complete this request. Please try again later. 

I am now permanently XXXX. My student loans have been XXXX due to my XXXX but Equifax is still reporting this inaccuracy. I wanted to submit documents to support my claim, but, as mentioned, Equifax is not accepting disputes. I had no issues submitting and resolving disputes with XXXX or XXXX. 

After doing some research online, blocking the dispute center seems to be a normal practice that is often exercised by Equifax. This behavior is extremely unfair to consumers like myself- especially those with XXXX whose capabilities are limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I requested the lien release for two accounts that appear on my home title that was fraud. I have been sending police reports and fraud documents for 5 months. Just keep getting the run around between all the debt collection agencies. No one can seem to find the many many emails sent with the police report. 



this has held up my home closing for XXXX months. I offered to pay the debt still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IN

Complaint narrative:
My account with EXPERIAN 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.

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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is about Truist Financial I obtained a car loan through Truist after purchasing a vehicle. I elected to refinance the loan through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX provided me with a check to pay off the Truist XXXX XXXX. The check was received by Truist Financial on or about XX/XX/XXXX by tracked XXXX package. The loan then showed as having been payed off on their website. Apparently the check was rejected as per Truist about XXXX days later. I received no notification or any messaging regarding this. On or about XX/XX/XXXX, I happened to login to the Truist website and noted that the account was reactivated and had been accruing interest all this time with no notice whatsoever from Truist. I called them immediately and spent over an hour on hold on both occasions before being able to speak with someone. I was told that Truist would do research on this and determine the cause. I was told I would get a call in XXXX days. I never received a call from them. I called XXXX XXXX XXXX XXXX and they informed me that the check was rejected because Truist had not endorsed it as they should. I endorsed it on my end which was confirmed. Subsequently, I sent in another check from XXXX XXXX since the prior check was now null. On this occasion, once again, Truist rejected the check and once again did not endorse it. I have spent hours speaking with them on the phone with no answers or solutions. I am told they will do research but there is never any tangible result. They have refused to rectify their error or even discuss how to make me whole since I am still paying interest on this loan, which should have been paid off over a month ago, were it not for their error. I do not see how I will ever be able to pay this loan off and Truist is clearly scamming me to collect more interest income. They have been unhelpful and have lied to me throughout this ordeal. I am begging for your help

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 2024-07-24 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
was in foreclosure and a entered into loan modification XXXX XXXX due to XXXX violations and we were getting ready to sue then covid hit and they tried to foreclose after no paying a when year because they had no authority and filed a fraudulent assignment after a company closed XXXX so, since then they were forced to do a loan modification where they didn't want to .... now ... my local bank where this occurred, has bounced every check made to our mortgage company. So, we started sending XXXX payments again. Then they did not apply XXXX payments XXXX or XXXX we have to keep calling and keep getting 's same responses that have to check into it. they are trying to put us back into a foreclosure when we clearly had the money to pay. Today they finally applied a payment made in XX/XX/year> to XX/XX/year>. XXXX was paid and cleared. XXXX we made XX/XX/year> payment, but they did not apply it again. getting tired of this as this is predatory lending practices. I am a XXXX XXXX XXXX XXXX  with a XXXX out of Texas. they did all this and reported wasn't paying to lower my score so I could not refinance the equity we have with my bank ; we have had the property for over XXXX  years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I'd like to refer to you the attached affidavit of service from the debt collector Mullooy, Rooney, Jeffrey, and Flynn ( MRJF ).

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute.

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: HI

Complaint narrative:
This is an illegal loan and they are not licensed in the state of Hawaii to offer loans according to Hawaii Act 056. " which prohibits payday lending and imposes regulations on small-dollar installment loans. Under this law, lenders are prohibited from offering payday loans to consumers in Hawaii. Act 056 establishes clear guidelines and safeguards, such as limiting interest rates and fees, setting loan terms, and requiring lenders to provide clear and accurate loan disclosures '' Tribal lenders can not offer payday loans in Hawaii. The state law applies to all lenders operating within its jurisdiction, regardless of their tribal affiliation.

They violated the Hawaii maximum loan term of 36 months, and the annual interest rate of 36 % Also the maximum finance charge is up to {$35.00} dollars but can not exceed half the original amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today XXXX XXXX XXXX from the firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Google suspended my account gpay and XXXX XXXX payment method for no reason. Ive been using my XXXX account for over XXXX years and never had a problem with this. Google XXXX browser accidentally used XXXX XXXX as a name that I dont use. Ive told Google that my name is XXXX XXXX and Ive used XXXX for over XXXX years. I verified my name and Id with my license XXXX XXXX to verify Im the original owner

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PR

Complaint narrative:
I purchased the XXXX XXXX XXXX  XXXX prior to XXXX of XXXX. In which I receive a statement after XX/XX/XXXX. Since then, I have not received any information whatsoever, nor can I access it on the oriental bank application or website. After finding this statement which I totally forgot about I attempted to access the information on the website to no avail. Additionally, I tried contacting the oriental bank customer service to get information on the account. After long waits, they were unable to find any information on the account and suggested I go to the local branch where I purchased the XXXX. On XX/XX/XXXX, after spending numerous hours waiting and being attended by XXXX of the specialists, please stand over XXXX XXXX hours trying to find information on the account in which they were literally unable to access. However, they contacted the financial service and was promised I was going to receive a letter requesting access to my account. This letter was supposedly going to arrive we've been a week, which I never received. A week and a half later I went to the bank to speak with the XXXX which no longer working that branch, and of which I can not get any further information. I again waited for long periods of time and the XXXX advised me they were going to contacting me the following day. And it's it seems familiar I'm still waiting for the call. I was finally able to contact a representative on XX/XX/XXXX, from the XXXX XXXX XXXX and talked with XXXX XXXX ( XXXX ) who send me a e-mail so I could sign and return it for access. I will receive an e-mail with the access information to my account. On XX/XX/XXXX up to now receiving any other contact I contacted the customer service number ( XXXX ) XXXX, to advise them that I have yet received any contact information to access my account. At which time I talked to XXXX XXXX and emphasize me that a representative from that division would contact me. I have yet been able to receive any more information since that period of time and I send the formal letter XXXX this XXXX advising them that if I do you know the business day, I do not receive any further information I will be submitting a claim to the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation