vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Failure to provide written verification of the debt within 30 days of initial contact. 
Reporting of an unverified debt to the credit bureaus. 
Lack of verification or documentation proving the legitimacy of the debt.

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 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
Dear [ Consumer Agency Name ], I am writing to report harassment and threats from a debt collector named IQ Data International with XXXX XXXX XXXX XXXX XX/XX/2024, I received a phone call from IQ Data International who proceeded to harass and threaten me regarding an outstanding debt. Despite explaining my financial situation as a full-time college student and assuring them that I would make a payment next month, the debt collector continued to make threats about damaging my credit score.

This behavior is not only unprofessional but also illegal. I believe that IQ Data International actions constitute harassment and may violate the Fair Debt Collection Practices Act.

I request that you investigate this matter and take appropriate action against IQ Data International. I have attached a copy of my notes from the phone call for your reference. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2024-11-20 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: GA

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me 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 2024-11-20 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: MD

Complaint narrative:
My account with EXPERIAN 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.

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! 


Update 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 2024-11-20 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : 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 2024-11-20 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: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My house flooded in XXXX due to hurricane XXXX. My insurance company made payment for the damage to my mortgage company. I was initially serviced thru another company but Roundpoint Mortgage Service took over my mortgage. Since XXXX of this year ( over 10 months ), I've been requesting release of {$74000.00} in funds held by Roundpoint in escrow. To-date, no funds have been released. Every time I contact Roundpoint their story changes about what is holding up the release of funds. They also refuse to put any request in writing on what is holding up the release. 7 weeks ago, Roundpoint conducted an on-site inspection of the entire house and determined 95 % of renovation was complete, yet they still refuse to release any funds and have ordered an additional inspection. I had to borrow money to complete the renovation and have incurred over {$6000.00} in interest charges because of Roundpoint 's neglance or woeful incompetence. 

RoundPoint Mortgage Servicing LLC ( d/b/a RoundPoint in all States except Arizona & New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC 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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Applied for a credit card. I was approved but for a secure credit card in which i used my own money for the credit. My monthly bill was due and I was late because payment was returned or didnt go thru, because of that they closed my account. I refused to continue to pay on it considering it was my money to begin with but they continue to add interest and fees to the amount owed. Again this was a secure account, so why do I owe them {$130.00} for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Informed of ID theft via USPS 1st class certified Company refuses to verify debt per FCRA

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 2024-11-20 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: TX

Complaint narrative:
Informed of ID theft via USPS 1st class certified Company refuses to verify debt per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
ALL PAYMENTS WERE DONE VIA AUTOMATED PAY PROVIDED BY MERCEDES FINANCIAL AND FAILURE TO PAY ON TIME WAS ON THEM. ONCE I REALIZED THAT IT WASNT FUNCTIONING, I TOOK CARE OF IT MANUALY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I originally took a loan from XXXX  in XXXX. I have been under extreme stress due to debit and looked online for loans. I got XXXX and then received hundreds of text emails for other loans. I did not read the contract which was my fault, but there was no payment schedule, or anything showing how much a payment would be. I did an " advance '' for XXXX on XX/XX/XXXX. Netcredit took a large fee upfront on the amount. I am not sure why it was done in XXXX increments, but it was. So, XXXX was for {$XXXX}, and I got a deposit for {$XXXX}, and the second was {$XXXX} and I got {$XXXX}. So that is {$XXXX} upfront to them, and I am not really sure what that was for. The amount was deposited into my back on XX/XX/XXXX. On XXXX I went online to pay the entire balance off. The amount due at that time was XXXX. I applied that amount and paid it off. They did not run this until XXXX and then it was for XXXX. I did reach out and let them know I did not authorize this amount, and they said it changed after I applied the payment. I have had to reloan with them again due to other issues like taking too much money from my account by other payday loans. I have since though researched them and I realize they XXXX not be authorized to charge me fees upfront in XXXX, they probably should not have taken more from my account, and I should know the payment amount upfront. I can login and see a minimum payment estimator, but I have no idea what this is. It says portion of cash advance balance, statement fee which is {$XXXX} twice a month. I have no idea how to even figure out this will cost me in the long run. It shows on the calculator payments until XX/XX/XXXX, and I am talking about every pay period for me since I am paid semi-monthly. I do not know what to do. I also read that CFPB has had multiple cases against them ( XXXX ) I read that in XXXX they were banned from offering certain types of loans, and they had violated prior law enforcement orders. I am curious if this is a legal loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted a written request back on XX/XX/XXXX just 7 days ago to regain access to my accounts online and on the mobile app. The request was approved. I am now being denied access to speak to the fraud department who's elected to deny speaking with me further regarding my open fraud claims after submitting my declaration of forgery and the statement of fraud and police report, along with a written request via the demand letter. Navy Federal as also elected to ignore my attempts to resolve the open collections accounts that were a result of fraud on my accounts and open profile that occurred over 6 years ago. Navy Federal has taken funds deposited to me for my living expenses for fraudulently opened accounts that have now been charged off. I have now been told by your customer service on phone calls that the fraud department will no longer speak to me further because I am calling them to much. I can't even get an update on the open fraud claims that were submitted for the old accounts in collections. I was denied access to the funds in my account prior to Navy Federal withdrawing the funds because you declined all of my transactions stating that you couldn't remove restrictions on my debit card because you all couldn't use the updated telephone number and email address on file even though you've accepted my previous requests from the same email and as recently as XX/XX/XXXX you sent an OTP that verified my identity as recently on XX/XX/XXXX you removed restriction on my debit card after I called in and provided my recently updated account password. I've made it clear that I don't have access toa Navy Federal where I am currently located, and I've been sent in circles trying to access my funds. I am requesting that the funds taken out of my account by collections be returned. I'm requesting that any and all restrictions on my debit card be removed after you've identified me as of XX/XX/XXXX and approved my request. I'm requesting that the notes on my account denying me access to speak to the fraud department regarding any and all matters related to my accounts be removed. I have been a loyal Navy Federal member for over 10 years. I am now out of {$1500.00} dollars due to the negligence of the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: ND

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request urgent assistance regarding a collection account with National Credit Systems ( Account # XXXX ) on my credit report. Despite multiple disputes and confirmations of its closure, this account has been inconsistently marked as closed, reopened, and closed again, causing significant confusion and hardship for my family and me. 

I initiated the dispute process on XX/XX/year>, and on XX/XX/year>, a XXXX representative and the apartment manager for the home Im acquiring worked together over the phone to resolve the issue. Although XXXX confirmed that the account was closed, the apartment application still wouldnt process successfully due to the account appearing active. 

On XX/XX/year>, I received confirmation via XXXX XXXX and XXXX XXXX notifications that the account had been closed. However, today I received a dispute resolution notice with a different case number, and the account is now showing as open again. The account also at one point said it was a charge off meaning I should have received a 1099.

This account is fraudulent and does NOT belong to me. I never signed a contract with this collection agency nor do I understand how the collection was paid by the original creditor and now a company I had no dealings with wants payment.The original creditor was paid through the XXXX XXXX Emergency Rental Assistance Program ( ERAP ). While the creditor claimed they fired the employee handling payments, this was beyond my control. At the time, I was not living in the state, and all obligations, including an agreement for my departure in XXXX, were fulfilled. Despite this, the account was sold to collections fraudulently. 

I do not owe the {$2800.00} being demanded. The debt collector can not provide any signed agreement from me to substantiate their claim, and the original creditor has not responded to my disputes since XXXX. 

This ongoing issue is jeopardizing my familys housing stability. I was recently approved for a Section XXXX voucher, but the apartment willing to accept us can not proceed because this account remains visible on my credit report. As a XXXX XXXX XXXX, a mother of XXXX, and someone relying on public assistance, I can not afford this uncertainty. 

I am pleading for your assistance in permanently removing this fraudulent account from my credit report. The inconsistencies and delays from XXXX and the lack of action from the original creditor have left me in an untenable situation. 

I am happy to provide additional documentation or evidence to assist in resolving this matter. 

Thank you for your time and attention. I look forward to your help in rectifying this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I was working for a company and business owner got into my personal belongings and wrote down my credit card information. She filled out application for food distributor signed in my name to it and had food delivered every week from XX/XX/XXXX to XX/XX/XXXX and the money was taken out of my credit card every time without my knowledge. I try disputing it four times with the credit card company and they keep telling me because I had a business relationship with her but theres nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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