vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
I made a duplicate monthly payment on my mortgage. ( I set up auto-draft with my mortgage servicer before I could cancel an automatic payment from my bank -- both cleared. ) I immediately requested the mortgage servicer reverse or refund one of the duplicate payments.

The servicer took several days to research the matter before providing me a letter requesting my personal bank statements to provide evidence that the payments had cleared. This is unnecessary and not possible. First, because one payment was made recently outside of a statement period so no statement exists yet for that payment, and second, the servicer has already credited the payments as having cleared -- there is no need to examine my private bank account for whether payments were made.

I repeated my request to have one duplicate payment refunded to which I received a " resolution letter '' that specified an arbitrary " 15-day funds validation period ''. If I wanted a refund sooner than that waiting period, I needed to provide my personal bank statements. Once the 15-day waiting period had expired or after my personal bank accounts were examined, I could request a paper check mailed within 5-7 days. If no action was taken on my part after this letter, my duplicate payment would be applied to my next monthly mortgage payment. 

These processes and policies are arbitrary, unnecessary, and punitive in the financial burden it places on a borrower who overpaid the lender. Case in point, I made a duplicate payment on a credit card balance to XXXX XXXX, and within XXXX XXXX days of my request, XXXXXXXX XXXX reversed the payment to my checking account -- no " validation period '', no personal bank statements, and no paper checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with Experian regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that Experian has failed to address properly despite my prior disputes. 

Details of the Discrepancy : XXXX. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, Experian is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
XXXX. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged. 
XXXX. Lack of Verification : Experian failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : Experian has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S. Code 1681 ( i ) - Dispute Procedures : Experian is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : Experians inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions.

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by Experians negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with Experian regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, 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 2025-01-09 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:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was deceived when I received this credit card and the conditions and offers that were told to me are not honored. My account should have been transitioned into an unsecured credit card by now. I was also told by several Supervisors at Citibank that they appreciate the loyalty I brought to my credit card account and they rewarded me on several occasions {$50.00} credits to my account for being so attentive and paying on time. But I have not yet received the rewards and upgrades that were told to me. Again this is systemic XXXX  and I have filed my complaint with XXXX because I am not getting the credit worthiness I deserve from these Banks. This is affecting my livelihood and I can not keep going on with this. I have called them more than enough times and Im not getting any where. I opened this account with {$500.00} of my own money and was promised after a specific time line. My proceeds will be refunded to me and I will be in a different card with a higher limit. This has been going on for some time now and nothing is happening. I'm not getting treated fairly. This is whole point in filing my complaint. That has not yet happened after all this time. This is not my first complaint, but Iwill continue to make my complaint until something different and new is happening in the best interest of my livelihood. I need your help please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Student loan has always been deferred. Company incorrectly reported late payments when they moved the account to a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonc
ompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC
State: WI

Complaint narrative:
Revenue Reporting Services calls myself, my wife, and my work multiple times a week attempting to collect my payment. I had spoken to them last week about the calls to my wife and my work and had requested they stop calling my wife and workplace. The following week not only did they call my work and wife multiple times they then reached out to my father who I had never given them permission and never gave them his phone number. It is extremely embarrassing and while I understand they are trying to collect on a debt I owe, it is very disappointing that they told me they would stop calling my extended family and workplace and then proceeded to call more of my family. I had never given them permission to call my father and I have no idea how they got his number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Credit Card XXXX opened XX/XX/XXXX Late payment date XX/XX/XXXX I forgot to make a payment on time to AE in XX/XX/XXXX. I was contacted by AE and made the payment to correct this. The payment was made 1 day after the 30 day maximum grace. I inquired with the representative if this would be reported to the bureaus and he told me a flat NO. A few weeks later I saw that indeed it was reported and it TANKED my report. It has been about 7 years since this self inflicted lapse of memory happened and I would like the bump removed from my EXCELLENT credit report. I work hard on my credit and have for years it usually resides XXXX range and has for quite some time now. 
Hopefully this can be eradicated by filing a request here with you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00}

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 2025-01-09 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: OH

Complaint narrative:
XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00}

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Ive had these fraudulent accounts removed, and they are appearing on my reports again they do not belong to me

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 2025-01-09 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-09 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX on my credit report from XXXX of XXXX. I would like to removed immediately

Company response to consumer: Closed with explanation