vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-02 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all three credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.

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 2024-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all three credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
On XX/XX/year> I notice the following collections placed on my credit reports under various names A collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXX and XXXX XXXX XXXX. 
i speak to a representative from the company and request they remove the collections on a call received from XXXX they hangup. i do no business with this company. this is fraud. 
i want them removed at once.

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX XXXX XXXX, I posted a review on the TD Bank app in the XXXX XXXX XXXX stating that in both the app and the website, it would not allow me to pay off my current balance ( to pay off the card ), and would give me an error message : " We apologize for the inconvenience. Thanks for your patience. Please try again in a little while '' They responded saying : " Hi, thank you for taking the time to share your feedback! We deeply respect your advice, and will forward your feedback to our Product team in order to provide you the experience you come to expect. Thanks! - XXXX  '' However, they never resolved the issue, which has been happening all this year ( 2024 ). Today, I am trying to pay off my card, but it won't allow me to submit a payment at all. I tried both the app and the website, so I know the issue is not on my end. It seems they are not resolving this issue even though they have been aware of it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TN

Complaint narrative:
For the whole year of 2023 the company essentially reported that they did not receive any payments. They have received 30 payments so far and Im only behind by {$1400.00}. When you log into the account you can not see information like daily interest accrued or what the interest rate is Essentially my balance is more then what I originally singed for on the contract. They are deceptive and yes while I know my credit was not the best when purchasing the vehicle its not their choice to make it merely impossible to pay the loan down.

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 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
M & T Bank hasnt processed insurance claim check sent to them by Foremost Insurance to pay check issued to pay claim for XXXX XXXX destruction of camper. This is causing my account to appear to be past due which will result in finance charges and my account being listed with credit bureau. This will affect my perfect credit rating score. I cant understand why this {$25000.00} hasnt been applied to my account. It has been over 2 weeks since Foremost sent check.

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 monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I was notified of account closure with funds on the account which are not accessible and due to the account closure the funds are inaccessible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX Experian and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Complaint - MOHELA failed to timely inform me of my recertification deadline for my IDR. 

Background - On XX/XX/year>, I was looking at my MOHELA account dashboard, and it showed that my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I went online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner and never receiving information from MOHELA that it was time to recertify, I have not recertified to this point. 

On XX/XX/year>, I emailed MOHELA through their online portal the following : " Good afternoon, I was looking at my account and it looks like my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I go online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the XXXX payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner, I have not updated my income. Is this why I am being transitioned to a traditional payment plan? '' After my message to MOHELA on XX/XX/year>, I received a separate message from them on the morning of XX/XX/year> indicating that it was time to recertify. It included an attached letter which was dated XX/XX/year>. The letter stated that my deadline to recertify was XX/XX/year>. 

I have attached the following : XXXX. XX/XX/year> message from me to MOHELA regarding confusion with recertification XXXX. XX/XX/year> letter attached to XX/XX/year> message from MOHELA XXXX. Print screen of my inbox with MOHELA showing that I was NOT notified of my recertification deadline prior to XX/XX/year> 2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I XXXX XXXX, also take the laws and statutes extremely seriously. The company known as Portfolio Recovery associates will automatically and obviously exonerate itself from any wrong doing. 
Portfolio Recovery associates is nefariously repeating the same argument that I proposed. That they ( Portfolio Recovery ) provided no adequate address for proper correspondence. According to the Fair Debt Practices Act, the entity pursuing the debt must not only provide their current correct mailing address, but also cease from contacting the Consumer when the Consumer requested the debt collect to cease and desist from contacting them. Do to the fact that Portfolio Recovery Associates does not have an accurate address of correspondence, I could not respond them directly. So when I stated above that I requested that they cease and desist contact, I did through your agency CFPB. Every Consumer has 30 days to repudiate the claims of a Third-party entity, such as Portfolio Recovery Associates utilizing the code 15 USC 1692g . 
This law states that the pursuing debt collector has to " VALIDATE '' ownership of the apparent debt. Which Portfolio Recovery Associates has not done. 
Purchasing a debt from a company does not make you the new owner of the consumers debt if the consumer provides a proper rebutle within 30 days of an initial letter from the debt collector. Portfolio Recovery associates knows this and that is why they are pondering to find loopholes in the law and keep giving you rhetoric.

That is why I have the right to tell Portfolio Recovery associates to cease and desist all forms of communication, including texts. They are a third party entity, and I did not sign any agreement with them. Furthermore I DO NOT WAIVE MY RIGHTS!

I stand boldly with the LAW. The Fair Debt Collections Act and the Fair reporting Act both have to protect me from predatorial debt collects that want to try to go around the law. I Am expecting another nasty text message from them soon. Lately, they have been claiming that I waived my rights and as result, Portfolio Recovery Associates has placed a Judgement on me. That is why I writing you. To prevent them from cheating the system and cheating me of my legal rights and protection!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NJ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: WV

Complaint narrative:
I received a letter from the original creditor XXXX XXXX XXXX stating it had been written off and I no longer owed the debt and provided a copy of the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt. 

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: LA

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report from TransUnion. The details of my disputes are as follows : Dispute of missed and late payments on XXXX XXXX XXXX  account # XXXX, opened XX/XX/XXXX, balance {$0.00}. 
Dispute of missed and late payments on XXXX account # XXXX, opened XX/XX/XXXX, balance {$0.00}. 
Dispute of missed and late payments on XXXX account # XXXX, opened XX/XX/XXXX, balance {$15000.00}. 
Dispute of a collection account from XXXX XXXX XXXX XXXX claiming no contract with the original creditor, XXXX XXXX XXXX XXXX 
Unauthorized inquiries from various lenders, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I do not recognize.

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 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I disputed the collection account with Transworld via Transunion Credit Reporting but the dispute was upheld and still showing negatively on my credit report. 

" This request for removal was sent to the collections department on XX/XX/XXXX, still awaiting an update on the removal. '' Response as of XX/XX/year> from XXXX XXXX. 

Transworld Collection Agency collection account reinstated on all credit reporting bureaus approximately XX/XX/year>. Reached out to XXXX XXXX via email. Response above. 

Communication dated XX/XX/year> with XXXX XXXX below. Transworld Collection Agency removed collection account from all three credit bureaus. 

" Yes. One account. The address XXXX XXXX XXXX XXXX XXXX NC. It is showing on my credit reports. I am invoking arbitration ARTICLE IX. GENERAL PROVISIONS 9.2. Please remove the account from all credit reporting agencies collections immediately - Transworld Systems. '' Our Account # : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$680.00} Repeated requests to invoke arbitration with XXXX XXXX as stated above. Repeated disputes via credit reporting agencies. All attempts have ended with no change in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NV

Complaint narrative:
XXXX XXXX ( XXXX ) Equifax Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding a account with a balance of {$400.00} and its reporting to Equifax Credit Bureau . Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I recently opened a credit account with concord credit. It was a destiny Mastercard. When calling to make my first months payment I learned this company ONLY accepts payments from bank accounts and not debit cards and I could go to XXXX XXXX every month to pay the bill. I stated this was unusual for a credit company and severely inconvenient. I stated had I of known this I wouldn't have opened an account. I also stated out of frustration that and I quote " would rather close my account than have to travel to a XXXX XXXX each month to make the payment ''. Next thing I know I'm receiving credit notifications that an account was recently closed. This company closed my good standing credit account without legal reason or express permission from me. My credit score took a hit and after calling and speaking with concord credit, they were supposed to do a phone call review to review the recorded phone call and if it were deemed the account was closed rightfully it would remain closed. That phone call was on XX/XX/XXXX, and the account has not been reopened to date and the company has not contacted me since. These types of bad business practices need to be addressed because they have longterm impacts on consumers like me. I opened a new line of credit to improve my credit NOT tank it. This is wrong and no account in good standing should be closed without signed consent from the consumer. I want the account reopened or EVERYTHING related removed from my credit report.

Company response to consumer: Closed with explanation