vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Foothills Mortgage Group, LLC
State: AZ

Complaint narrative:
XXXX XXXX  XXXX was hired to process my loan on XX/XX/year>. After providing XXXX, the owner of XXXX XXXX  XXXX, with the correct paperwork he requested, I assumed he would complete the paperwork correctly. Apparently, he did not. I did not learn of this until XXXX XXXX  XXXX attempted to sell my mortgage to another broker. This broker then conducted their own evaluation of my information and discovered that the original paperwork completed by XXXX was incorrect. 

It seems that XXXX rushed the paperwork through in less than XXXX weeks for quick approval by XXXX, without anyone verifying the application. Because the mortgage was not able to be sold, which should have been caught immediately, XXXX decided after XXXX  months that the mortgage was bad and wanted it removed from their books, so they called the loan. 

After XXXX year of making my mortgage payments on time, including extra principal payments each month, XXXX  is now demanding that I pay off the loan. Had XXXX completed the paperwork correctly, this mortgage would not have been approved initially or processed so quickly, and the loan would not have closed. This would have eliminated the current hassle, considering I given the option of either paying off the loan in full or refinancing at a much higher rate. 

At no point did XXXX or XXXX XXXX  XXXX offer any alternatives after the loan closed, based on his incorrect data entry, that could have helped me avoid foreclosure. Had XXXX performed his job properly with the correct information I provided, XXXX would not be going to such lengths now to remedy the mistakes caused by his errors. 

I was always confident and under the impression that he was doing his due diligence on my behalf and that of XXXX. I would hope that you find the job he has done to be less than satisfactory, as it has caused irreparable damage to my finances and mental health. I do not believe it is appropriate for XXXX, the owner of XXXX XXXX, and XXXX XXXX  XXXX to team up to target me as a single mother.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Delinquency Reporting XXXX  To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 
Complaint Details : Creditor : Comenity Bank XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX Nature of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 
I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 
Requested Resolution : I request that Comenity Bank : 1. Conduct a full reinvestigation of my account status.

2. Provide documentation verifying the accuracy of the reported delinquency.

3. Remove or correct the delinquency if it can not be verified.

4. Update all three major credit bureaus with the correct information.

This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws.

I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation.

Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Contacted PNC Bank on XX/XX/year> about a pending transaction of {$1500.00} being charged from my debit card after receiving a notification. Contacted my bank fraud protection immediately, but they are not able to cancel transaction and I must wait till it clears my account. It was a transaction from XXXX XXXX XXXX, a company I do not recognize, nor is a local company from XXXX searching. 
I awaited till the transaction cleared my account to contact PNC XX/XX/year> to dispute the charge, and they completed an investigation. They denied the dispute due to past transaction history. Still have yet to receive supporting documents from PNC. The only time I have ever spent that amount of money was to pay my bills that were through PNC themselves ( loans, credit card ). This charge I never authorized, I have no knowledge of the said company, and my debit card was on my person entire time. 
{$1500.00} is a lot of money for my family, and I tried to have this canceled when I became aware of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
There are XXXX XXXX accounts listed on my credit report. These accounts are littered with inaccuracies. I want the fraudulent charges removed. I want the accounts with the re aging removed. The Credit bureau must report accurately according to the laws. Theres no accuracy in the listed accounts and therefore the bureau is fraudulently reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX is this accurate? Whose account is this? Where are you getting this? Why won't you really investigate this? You only say verified without investigating it. I have contacted this court. 
XXXX {$4900.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$2400.00} How is this account being verified? This account is littered with inaccuracies including ficiticious balances being reported. The dates are ficticious and I reported these accounts over and over because they are not accurate. The dates are not right, The balances are not right. 
Inquiries that are not mines. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
There are XXXX XXXX accounts listed on my credit report. These accounts are littered with inaccuracies. I want the fraudulent charges removed. I want the accounts with the re aging removed. The Credit bureau must report accurately according to the laws. Theres no accuracy in the listed accounts and therefore the bureau is fraudulently reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX is this accurate? Whose account is this? Where are you getting this? Why won't you really investigate this? You only say verified without investigating it. I have contacted this court. 
XXXX {$4900.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$2400.00} How is this account being verified? This account is littered with inaccuracies including ficiticious balances being reported. The dates are ficticious and I reported these accounts over and over because they are not accurate. The dates are not right, The balances are not right. 
Inquiries that are not mines. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXX XXXX XXXX LL - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} account number XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX There are fraudulent inquiries that I did not authorize which are : XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX There are also XXXX addresses which I do not recognize as reported : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Novea Portfolio Management LLC
State: CA

Complaint narrative:
I have never used a XXXX XXXX XXXX service in my entire life. The company address that says I owe them hired a XXXX  party to collect a fake debt so they can just take my money. I am a victim of identity theft and fraud. Currently being targeted by scams. I have a perfect credit score and have never missed a payment in my life. See the attachment for dates and more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/year> I called Lexis Nexis after getting declined for a checking account they stated they needed to verify where I live I send my passport, social #, and XXXX XXXXXXXX card with name and year.. they declined on XX/XX/year> on this day I mailed to Lexis Nexis..passport, ss #, Department of Justice letter that has my address, a post office invoice with my address from my local post office with the same zip code, a adverse action letter from bank where they declined me a checking account on XXXX XXXX with my living address.. ohio food stamp card, XXXX XXXX  XXXX 
I'm requesting at this point for them to except the documents that where send, if not I will take further action against Lexis Nexis.. if they choose not to except these documents please stop sending me mail to this address and take this address off my credit report immediately because it's a violation and please send me proof that you took this address off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions.

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account XXXX ( XXXX ) : XXXX Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( XXXX ) associated with my personal information. 
Immediately remove and delete any fraudulent information related to this account from my credit report and your records. 
Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request. 
Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
Remove recent inquires from credit report. Fraud alert placed on account. Unauthorized credit inquiries due to fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: AL

Complaint narrative:
I purchased a product online on XX/XX/XXXX for {$220.00} and was told I would receive it no later than 4 weeks. After nearing 4 weeks, I decided to contact the merchant and discovered the number provided was no longer in service. I tried to find other contacts of the business and wasnt successful. I then reached out to my credit card company to dispute the charge on XX/XX/XXXX. They gave me a temporary credit and took it back on XX/XX/XXXX. The reason they gave was that I willingly made the purchase. I tried to dispute again and they said the same thing. I shouldnt have to suffer and lose money because someone is running a fraudulent business online. I thought my credit card company would have my back.

Company response to consumer: Closed with explanation