vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Second Dispute Regarding Inaccurate Credit Reporting To Whom It May Concern, This is my 2nd dispute pertaining to the inaccurate reporting of information in my credit report, specifically related to my XXXX XXXX XXXX XXXX account. While I appreciate your previous response dated XX/XX/year>, I must reiterate that the reported late payment is inaccurate and request further investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).

Basis of the Dispute 1. Billing Statement and Notification Discrepancies According to your response, the statement for the payment due on XX/XX/year> was included in the billing cycle ending XX/XX/year>. This overlap raises concerns about whether the statement was issued with adequate notice as required under Regulation Z, 12 CFR 1026.5 ( b ), which mandates creditors to deliver periodic statements at least 21 days before a payment due date. If the statement was not sent in compliance with this requirement, the late payment reporting is invalid.

2. Inadequate Investigation Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ), creditors are required to conduct a reasonable investigation upon receiving a dispute. Your response failed to address whether the statement was delivered timely or if technical or mailing errors occurred that might have caused delays in me receiving the required notice. 
3. Evidence Supporting Timely Payment I maintain that no payment notification was provided by the due date of XX/XX/year>. As a result, I was unable to submit payment on time. This situation highlights a potential failure on your part to notify me appropriately, as stipulated by law. 
Action Requested I kindly request that Navy Federal Credit Union : 1. Provide evidence that the periodic billing statement for the cycle ending XX/XX/year> was sent in compliance with Regulation Z requirements, including mailing dates and delivery confirmation.

2. Reinvestigate the circumstances leading to the reported late payment and remove the negative item from my credit report if compliance can not be demonstrated.

3. Confirm in writing the results of your investigation and, if applicable, provide an updated account status to all relevant credit reporting agencies. 
Failure to correct this error could constitute a violation of the FCRA, which protects consumers against inaccurate credit reporting. I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, if my concerns are not adequately addressed. 
I look forward to your response within the 30-day timeframe, as specified under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
I have no knowledge of this account I did not give this company consent to open this account or issue t a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am having a lot of difficulty removing my escrow account with Fay Servicing. They took over my loan in XX/XX/year>. My previous payment before them taking over was {$600.00}. I pay my insurance and taxes each year out of pocket. I have more than 25 % of the loan paid in and it is not required for me to have an escrow account. The continue to tell me that it is required. 

My XX/XX/year> payment has jumped to XXXX and they tell me that it is because of my escrow account. Even if that were the case, my escrow would be about XXXX a year, they are collecting XXXX now a year which is outrageous. All my taxes and insurance have been paid in full and current so there is no need to take an additional XXXX from me month. 

I have tried to speak with a manager or supervisor and they continue to tell me they do not have one and so there is no way for me to get this resolved. 

I just want my escrow removed. THis is too much extra for me and not right. IF you look up their reviews many are saying the same thing. out of XXXX XXXX reviews, they sit at a XXXX. We need help! 

My loan number is XXXX XXXX XXXX XXXX XXXX Texas XXXX

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

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-12 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: MS

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear CFPB, I am writing to dispute the erroneous reporting of an account by Experian that I believe are in violation of the Fair Credit Reporting Act ( FCRA ) as mandated by Congress.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that consumers have the ability to challenge the legitimacy of debt account that is not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 


The account in question are : 1. Police and XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which is INACCURATE and misleading. 

According to 26 CFR 1.6050P-1, any applicable entity that discharges an indebtedness must file an information return on Form 1099-C with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of Form 1099-C that were issued to me by the creditor, indicating that the debt associated with this account have been canceled or forgiven.

The issuance of a Form 1099-C is considered prima facie evidence that the debt has been discharged or CANCELLED by the creditor, as established in case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' Despite the issuance of the Form 1099-C, Experian continues to report these accounts as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 U.S. Code 1681e ( b ).

I hereby request that Experian promptly update its records to reflect that these accounts have been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the Form 1099-C. Failure to do so would constitute a violation of the FCRA.

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

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
RE : Trafficking Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
for some reason on my account, I was using it to deposit my XXXX XXXX XXXX XXXX funds. Next day I go to my account and my phones are not there. I speak to Venmo and they asked me to send proof of my identification, so I send them my passport and my XXXX  drivers license. The next day I receive a message stating. 

BELOW Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding.

Team Venmo

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

Complaint narrative:
Stated that they removed all inaccurate information and indicated to CFPB that they are working towards a resolution but I literally have just logged into my account and experian is still undermining the process because my report print appears correct but when Im looking thru my account inaccurate names and hard inquiries were entered while I had my account frozen.

It appears they are acting in a retaliatory manner due to the fact I refused to pay for their services and I have reported them for all wrongdoings and violations This is beyond pathetic and unacceptable I kept reporting them and they keep doing the same thing stating one thing and doing the opposite to avoid issuing my compensation demands for damages caused

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 2024-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I contacted the Home Depot Headquarters as well as XXXX XXXX XXXX XXXX for having inaccurate information on my credit report. The initial contact took place in XXXX, XXXX, XXXX, XXXX, XXXX. Initially some of the information such as phone numbers etc that were clearly never mine, were removed, however, other things such as late payments in XXXX and false information was not removed. So, I contacted them again stating that I had proof that the information was wrong and they refused to correct it. I provided the proof and also stated that lying about information can result in me being able to sue the credit agency and the store. They still refused to correct it. After many months of going back and forth via mail. I never heard from Home Depot directly, or Citibank where the credit card is issued by. I always would hear from the credit reporting agency. Then on XX/XX/XXXX I received an email saying that I needed to make a payment on my account, that it was a communication to collect a debt. I did not understand this because my account has been in a closed status, by myself initiating it, and paying off the balance in XXXX dollar payments monthly on the XXXX of every month. It has been in this status for almost a year, I have adhered to the program, and never been late. I also did not have any problems with them until I wrote to the company disputing inaccurate information on my report. I called Citibank/Home Depot on XX/XX/XXXX at XXXXXXXX XXXX and spoke to XXXX and asked why I was receiving the email, and she said so that I can make a payment. I said, I dont owe you anything until the XXXX of the month, I already am in a payment plan, and everything was fine up until me asking to have certain things corrected in my letter regarding my credit history with Home Depot . She apologized, agreed that I never had been late in any payments and that she would make a note of it. I said I am going to file a complaint because, that is false information, and using threats via an email to pay an account that is being paid. When a payment plan is in place, and a person is following the agreement, you dont just start threatening debt collection and to make a payment. That is illegal. ILLEGAL HOME DEPOT & CITIBANK! its bad enough that you wont correct my report, but then you threaten me, with bogus emails. This is not ok, it is wrong, and shame on you. I will dispute this, file complaints, continue to send letters and inform who I must about this deceitful, gross tactics!

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 2024-12-12 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: FL

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 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation