vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : NONE Employers : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2025-01-09 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: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/scrub>XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : NONE Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Ive requested debt validation, the original contract with the original creditor, and a 1099-C from original creditor since they charged off my account, and received no response. Lack of communication from the attorney despite multiple voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Celsius US Holding LLC
State: MN

Complaint narrative:
Celsius filed for bankruptcy in 2022 in XXXX New York under XXXX  XXXX laws it gave us consumers a chance to remain with the company or get a refund. This company is ran by XXXX which stole my funds before and has made it very impossible for me to recover any funds. Every day they send a website to update all my information to send my funds to me. My information has never changed since the first I entered it into the system. I feel like they are pulling the strings thinking I'm a puppet making everything very hard and difficult. I would like the CFPB to do a full investigation in this matter so I can recover all my funds from both of these companies. I didn't authorize for they to do anything else other than send me all my funds directly to my bank account through XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Convergent Outsourcing for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Convergent Outsourcing is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt despite my repeated attempts to obtain proper validation. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have made multiple attempts to request debt validation from Convergent Outsourcing, but they have failed to provide sufficient documentation, including proof of the original creditor, the amount owed, and evidence that I am responsible for the debt. Without proper validation, their collection activities are in violation of federal law. 

Improper Credit Reporting : Convergent Outsourcing continues to report this disputed and unvalidated debt to the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and caused financial and emotional distress. This has hindered my ability to access credit and other financial opportunities.

Relief Requested : I request that Convergent Outsourcing immediately validate the debt in compliance with the FDCPA. This includes providing documentation that verifies the debt, identifies the original creditor, and confirms the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

Written confirmation from Convergent Outsourcing stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Convergent Outsourcing must either validate the debt or remove the account from my credit reports. Failure to comply may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Convergent Outsourcing adheres to federal laws regarding debt collection and credit reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
XX/XX/XXXX I paid my mortgage I noticed on the website it says my payment was reversed. So I checked my bank statement and it showed it cleared my account. I called them they told me that they didn't know where the funds went and I needed to contact my financial institute. XX/XX/XXXX i made a payment of XXXX dollars and told the rep I would pay the remainder XXXX at the end of the month to cover XXXX since they said it was reversed and also XXXX payment. In hopes that later they would have located my payment that was made on XX/XX/XXXX. which never happened as of today. XX/XX/XXXX I made a payment and was told that it reversed once again it cleared my bank. XX/XX/XXXX. I made another payment to cover the XX/XX/XXXX payment in hopes they would locate the funds. No communication what so ever just emails. As of today they say i owe XXXX, XXXX, and XXXX mortgage which i've sent in all full bank statements. Freedom Mortgage is the 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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I attempted to make my first payment on my American Express Delta Skymiles credit card for {$600.00}, which would have paid off my statement balance in full. I entered my bank 's routing number and account number on the website without error. The due date for the payment was XX/XX/XXXX. I scheduled the payment to be processed the day before the due date, XX/XX/XXXX. I was not informed of the missed payment until XX/XX/XXXX at which point I immediately entered my payment information and submitted the payment for that day. To my surprise, I discovered today that I had been charged a return payment fee of {$29.00} AND an interest fee of {$25.00} for the balance which I had just paid. I called their customer service line and was told that these could not be refunded despite the nature of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI

Complaint narrative:
After XXXX XXXX XXXX XXXX and then divorce I fell behind on mortgage and went into foreclosure. I spent countless hours, filled out countless requests for modification as I had a life changing event, was always denied, in the end though I was given the option of short sale and deed in Leui but they never actually gave me the opportunity and foreclosed at sheriff sale right away. I filled an appeal and had a pending appeal when COVID hit. My loan was an fha loan. With the fha moratorium I was suppose to be protected from any further proceedings or sales or evictions, as I still lived in the home and working as a nurse frontline worker. I tried for a long time spent a lot of money I couldnt afford to save my home and wanted to keep my home. Paramount residential mortgage group went ahead and held a XXXX auction on the home in XX/XX/XXXX, the home was sold to a couple of men who flipped homes for profit. The auction should have never taken place. After the auction I was harassed and taken to court to be evicted, I was forced to pay XXXX  of dollars in rent and ultimately was evicted in XX/XX/XXXX because I would not agree to never taking legal action against them. They evicted me in 4 days from the day they wanted me to agree to those terms, with the fha moratorium still in place. What the mortgage company and the purchaser did to me and my kids was wrong and unethical. The court system failed me, the whole system failed me. I cant let them just get away with this. They have to answer to this and be forced to give me and my kids something for what we were put through especially during a pandemic. We had nowhere to go. We should of had protection from this happening just like everyone else. I need someone to do something about this. This is a federal moratorium and the federal government at the end of the day could do something about this. Please help, they shouldnt be allowed to get away with what they did. This event still haunts me till this day, its something I will never get over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed a fraud claims on unauthorized charges that I noticed on my account on XX/XX/XXXX with Navy Federal Credit Union. I have included XXXX police reports because I notice my identity have been use to open new accounts and my debit card was used without my authorization. My phone was hack through sim hacking and my information was stolen from me. Navy Federal did not communicate directly to me in terms of requesting more information but denied my claims saying. The total amount of unauthorized charges are {$7400.00}. No provisional credit was given during the investigation nor did they communicate properly via any channel to update my claims. I have to reach out repeatedly without an answer until they told me it was denied. This is their answer to the denial : " Navy Federal Response XX/XX/XXXX : Thank you for your message. During our investigation, we use various methodologies to achieve the best results, which may include internal databases, monthly statements, merchant documentation ( if applicable ) and any information obtained directly from the member. Please note that we are unable to provide sensitive information that does not fall within compliance. '' What information did they use to verify the unauthorized charges!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports. 

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) under the Exclusions clause states that, the term " consumer report '' does not include... any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers report.

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 2025-01-09 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: CL Holdings LLC
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX under the account name Jefferson Capital Systems XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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