vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

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 2024-10-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want the Equifax company to send me a dispute with my credit company on the dark web showing my accounts were hacked from error reference in referral due yo the irs 140e9 affidavit identity theft issue. My account was barred from XXXX XXXX a XXXX XXXX report from my XXXX XXXX that my attorney barred the account. I was reinstated from the bank with XXXX XXXX XXXX. I lost my employee ID and company business was shut down. I think it was possible to update after the dispute from my error on the background report was paid. By filing a bankruptcy dispute with Equifax considering XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing my taxes were sent for collection and bargained the state with my collection notice number. Also send a state bar notice for for misconduct to my XXXX XXXX XXXX  and XXXX XXXX parts bank account broker with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
Midland falsely claimed to have a default judgment. There are many procedural errors in the lawsuit they filed such as not serving me with notice before filing the lawsuit, fraudulently claiming it had served me at an address that does not exist, then reporting an account to the credit bureau that does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts were removed from my credit report and then reinserted a week later. I did not receive written notification via mail verifying why these accounts are being reinserted.

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have a loan that I co-signed for my daugher in NJ. Last year she moved out to NY state and needed to change her registration. We've been trying to get the bank to mail the title to XXXX since XXXX of this year. her registration expired last month, now the car is in the garage and she is using XXXX to get to work and school every day. I placed countless calls and requests. Every time they tell us that the title was mailed to the XXXX but every time we go to dmv they say that nothing came in. I requested the title to be shipped XXXX or XXXX and was denied. We just need the title so we can change it from state of New Jersey to State of New York. I really don't understand what is so hard with this request. I've been calling them but every time I get the same answer, the request has been processed but nobody can give me confirmation or tracking for the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IN

Complaint narrative:
There are billing mistakes on my credit report listing late payments that dont align with my usual history. Please adjust these errors and revise my account status.

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 2024-10-29 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: ICUL Service Corporation
State: NJ

Complaint narrative:
I received a {$150.00} XXXX gift card as a wedding gift in XX/XX/XXXX and made transactions between XX/XX/XXXX and XX/XX/XXXX. However, I noticed recently that XXXX began charging me a monthly {$5.00} inactivity fee since XX/XX/XXXX, currently amounting to {$50.00} in charges. These fees are illegal according to New Jersey Rev Stat 56:8-110. 

According to this statute, it is unlawful to charge inactivity fees on gift cards before 24 months from the last use. Moreover, after 24 months, any dormancy fee must not exceed {$2.00}. Given that my last use of the card was in XX/XX/XXXX, these fees should not have been applied until at least XX/XX/XXXX. 

On XX/XX/XXXX, I checked the amount of money on the card before I attempted to use it, then I noticed all of the fees. I promptly contacted customer service to dispute the fees and they made a request for reversal. On XX/XX/XXXX, I was informed that my request for a refund had been declined because the card was purchased in Virginia, which allows such fees. However, I clarified that I am a New Jersey resident and the card has only been used within New Jersey, where the inactivity fees are prohibited. 

I contacted customer service again on XX/XX/XXXX, and learned that there had been no resolution. I reiterated the legal concerns regarding the fees, and entered yet another escalated dispute without addressing the issue at hand. I called for a third time on XX/XX/XXXX and learned that the issue still was not resolved. 

On XX/XX/XXXX, I checked my account and discovered that only {$25.00} had been refunded. I called customer service for the fourth time to inquire of the remaining {$25.00}. I was informed that they could only reverse {$25.00} as a " one-time courtesy. '' This is absurd, as it implies that they are doing me a favor, when in fact the fees charged are clearly in violation of New Jersey law. I had the issuing bank reach out to them and XXXX responded saying Upon review of this gift card, it shows the gift card was purchased in the state of Virgina. Therefore, it is subject to inactivity fees for that state, not the state where the buyer may have mailed it to. There was a fee reversal of {$25.00} given as a one time courtesy to the gift card recipient. We apologize for any inconvenience this may have caused your member. However their disclosure says " Unless prohibited by your states law, if you do not use Card for 12 consecutive months, a {$5.00} monthly inactivity fee will be applied starting in the 13th month of inactivity. '' The disclosure does not specify nor distinguish where the card was purchased nor the recipient 's residence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
These accounts were removed from my credit report and then reinserted a week later. I did not receive written notification via mail verifying why these accounts are being reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
BEEN SEEING THESE FRAUDULENT ACCOUNTS IN MY REPORT, THESE ARE SUCH A STRESSFUL THING FOR ME, THESE ARE CLEARLY NOT MINE.

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 2024-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Jennifer McCoy, PC
State: AR

Complaint narrative:
This firm ( The Law Office of Jennifer McCoy ) does not appear to have a license to collect debt in the state of Arkansas in which " Collection agencies must be licensed if : ( 1 ) they are located in Arkansas or ( 2 ) they contact debtors in Arkansas. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX  homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment 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 non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX  XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment 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 2024-10-29 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: TN

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
BEEN SEEING THESE FRAUDULENT ACCOUNTS IN MY REPORT, THESE ARE SUCH A STRESSFUL THING FOR ME, THESE ARE CLEARLY NOT MINE.

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 2024-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: MI

Complaint narrative:
I was sent loss mitigation paper work and I had them notarized and submitted. Essex mortgage contacted me and told me they were not accepted and I needed to resubmit them. I spoke with someone on XX/XX/XXXX. Explaining to him my situation and that I would not be home until XX/XX/XXXX to receive the new documents and I was not in range of a printer to print the documents from my email. He stated there were no worries because my first payment on this loss mitigation agreement wasnt due until XX/XX/XXXX so as long as they were returned before then we are in the clear. Now today XX/XX/XXXX one week later I have people harassing me about these papers as if I dont already have enough going on. Not to mention I have a family member checking our mail back at home and the documents have yet to be sent to my address. There is absolutely no communication within Essex mortgage. Absolutely nobody truly cares what youre going through. I was told I wouldnt be harassed over these documents and not to add this to my stress Im already facing. Yet, here I am receiving collection calls. From someone very rude I might add.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, a family member visited a Truist branch on my behalf to deposit a {$50000.00} settlement check related to an accident I was involved in. Due to a XXXX XXXXXXXX XXXX XXXX XXXX  and unable to handle the deposit myself. This settlement check had been long awaited, nearly a year in the making, and is crucial to my financial stability. 

Initially, Truist held my account for 24 hours before finally depositing the funds. At that time, I was informed that my funds would be accessible by XX/XX/XXXX. Understanding that I am a relatively new customer, I acknowledged Truists need to review my financial history. 

However, despite Truists assurance of an update within 2-3 business days, I received no communication by XX/XX/XXXX. When I called that day to inquire, I was told there were no updates on my account, but was given a case number and contact information for a separate department handling my case. I reached out again on XX/XX/XXXX and was assured I would receive an update by XX/XX/XXXX. Yet, upon calling today ( XX/XX/XXXX ) around XXXX XXXX, I was informed again that there were no updates, no notes, and no information from the analyst. 

In my frustration, I even informed Truist that they could return the check or take whatever steps were necessaryI just need to access my funds. With my account blocked, I am unable to pay rent, purchase food for my two young children ( one of whom has XXXX ), or cover essential bills. As a XXXX veteran, I rely heavily on receiving my monthly check on the first of each month. This delay is not only causing severe financial hardship but also endangering my familys well-being and stability.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank sent us a notice about closing our business accounts which is 2 checking account and a money market account without giving any reason for closer we tried contacting customer service by the phone also by visiting TD Bank branch and they did not provide the reason why they closing the accounts also we tried contacting the fraud department for TD Bank and they could not give us any information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my XXXX XXXX XXXX so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on XXXX XXXX XXXXXXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding XXXX XXXX XXXX recipients and ( FDCA ) laws protecting XXXX XXXX XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Guild Holdings Company
State: TX

Complaint narrative:
When reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account for which i have made on time payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation