vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX L J Ross Associates XXXX XXXX XXXX XXXX MI XXXX Subject : Request for Debt Validation Dear L J Ross Associates, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In XXXX of XXXX, I made my monthly mortgage payment via a XXXX XXXX money order in the amount of {$1000.00}. Newrez tried cashing the money order on XX/XX/XXXX, but was unable to do so. The following day on XX/XX/XXXX, Newrez was able to cash the money order, but failed to apply it to my account. I went ahead and made my payment for the second time that month so to not ruin my XXXX credit score. I have contacted this company at least XXXX times, and I have also spent at least XXXX hours on the phone with customer service. Newrez is still stating that the money order was not good, and states the money order says refer to maker. I then contacted XXXX XXXX to get documentation of the payment from their bank. It took two months for Western Unions bank to send me the documentation proving that the money order was cashed by Newrez. After obtaining proof that the money order was cashed on XX/XX/XXXX, I immediately forwarded this documentation to Newrez. This showed that the money order was cashed and that they have had my payment since XX/XX/XXXX. Newrez is incompetent and have done absolutely nothing to help me get this issue resolved. I have submitted each and every request that Newrez has asked for. Ive spoken to several supervisors who have promised to call me back, but they never do. Finally, after several months of reaching out to Newrez, I spoke to XXXX XXXX, the customer service XXXX. XXXX assured me he would take care of this issue immediately, even giving me his direct work email and phone number. When he did not call back with updates as promised, I began reaching out to XXXX numerous times via phone and email, only to be completely ignored. My calls and voicemails never got returned and the same with emails to XXXX for months. This has been an absolute nightmare. I have wasted so much of my time and energy, but have made absolutely no progress in getting my funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The account balance reported by the credit bureaus for my XXXX XXXX account contains discrepancies : XXXX : {$500.00} Experian : {$0.00} XXXX : {$760.00} This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Subject : Complaint Against XXXX XXXX for Unauthorized Credit Inquiry To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, a part of Rocket Mortgage, for violating my rights and engaging in unethical practices. Specifically, I am addressing the actions of XXXX XXXX, Senior Loan Officer ( XXXX : XXXX ), and the subsequent handling of my concerns by her company. 

On XX/XX/XXXX, I explicitly informed XXXX XXXX both verbally and in writing that I did not consent to her pulling my credit report. Despite my clear communication, she proceeded to access my credit report without my expressed permission. This action constitutes an unauthorized credit inquiry, which is both a violation of my rights and against the law. 

I brought this matter to the attention of a manager at XXXX XXXX, who acknowledged the issue and stated it would be used as a " coaching tool '' for XXXX XXXX. However, this response fails to address the harm caused by the unauthorized inquiry and demonstrates a lack of accountability for the companys actions. 

The hard inquiry negatively impacts my credit score, and I firmly believe it should be removed from my credit file immediately. Additionally, I am requesting that XXXX XXXX face consequences for their unethical behavior and disregard for consumer protections. 

To support my complaint, I am including a copy of my correspondence explicitly stating that XXXX XXXX was not authorized to pull my credit report. At no point did I provide consent for this action, either verbally or in writing. 

This unauthorized inquiry violates federal laws governing credit reporting and consumer rights, and I ask that the CFPB take appropriate action to ensure accountability and protect other consumers from similar violations. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX ] The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding LLC {$890.00} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Inconsistent escrow practices among mortgage lenders have become a concern. When I receive the Annual Escrow Disclosure Account form from my mortgage servicers, I have typically had the option to either pay the shortage in full or have it prorated across the year. Paying the full shortage has allowed me to keep my mortgage payment consistent and unchanged. Since
purchasing my home in XXXX, I have always opted to pay the full shortage when necessary, and this choice has been honored by various lenders who have managed my mortgage.

However, my experience changed last year when Regions Mortgage acquired my loan. Unlike my previous lenders, Regions does not allow me to pay the shortage in full, instead automatically increasing my monthly payment. When I inquired
about this in XXXX, I was informed that this approach is standard policy for their institution. While I understand that banks have their own policies, I find this practice troubling. It removes the autonomy I have consistently had with other lenders, limiting my ability to manage my escrow account as I have in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX 2024 filed a Notice of Cease and Desist letter to all 3 credit bureaus. It's what I've been sending and no response. No original contract with wet ink signature hasn't been delivered to my attention. Have no right to collect a debt without the original wet ink signature contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AZ

Complaint narrative:
On XXXX XXXX 2024 filed a Notice of Cease and Desist letter to all 3 credit bureaus. It's what I've been sending and no response. No original contract with wet ink signature hasn't been delivered to my attention. Have no right to collect a debt without the original wet ink signature contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am notifying you that I sent a certified letter on XX/XX/year>, addressing inaccurate and unverifiable information on my credit report. Despite my request, you have failed to provide adequate verification or documentation for the following accounts : XXXX XXXX XXXX XXXX  ( Account Number : XXXX ), involving repossession without court approval in violation of 50 U.S. Code 3952 ; XXXX XXXX XXXX  ( Account Number : XXXX ), an unverified account with no obligation to this collection agency ; XXXX XXXX XXXX TX ( Account Number : XXXX ), an alleged debt with no supporting proof ; Purchasing Power ( Account Number : XXXX ), which contains unverified and inconsistent information such as the date last active ; and XXXX XXXX XXXX XXXX ( Account Number : XXXX ), an inaccurate account reported only by Experian. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), violates your obligation to remove unverifiable information or provide a valid method of verification. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HGREG.com
State: FL

Complaint narrative:
I recently purchased a car on XX/XX/XXXX from Hgreg, the vehicle was a XXXX XXXX XXXX and the car completely died the mechanics labeled it as a seized engine and can no longer operate. The dealership has told me over and over they will do nothing to help me at this time due to the fact I own the vehicle and the repairs and damages are on me, the car was damaged before I made the purchase they just failed to comply and say it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief