vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I lost my home, my entire house has burned to the ground due to the XXXX fires. My insurance company XXXX has done a wonderful job and submitting funds for me to rebuild my home. However, PHH mortgage company wants me to sign over {$550000.00} For them to disperse at their leisure and also placing that large amount of money in a escrow account for them to gain interest that doesnt come to me.

I dont trust my mortgage company. Weve had issues in the past and Ive had to hold them accountable on several occasions. I find it horrible and deplorable that they are double dipping and taking advantage of people like myself who are suffering, living in hotels, unable to start my project to rebuild my home because of the way they handle business.

I will not sign this check and send it to them. That is too much power and autonomy to give to untrustworthy entity, such as a mortgage company.

I am not beyond submitting my contractor and the modular home I plan to bill. I have it all lined up to begin the process. I feel that my mortgage company should be privy to information, of course, such as the contractors information if theyre licensed and bondable, I would like to protect my money as well.

I didnt ask for these fires. I want to get my life back and the mortgage company is delaying it because they want to get rich off peoples sorrow and misfortune. I will buy an RV instead of my property before I give them this 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 explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention an issue regarding an unauthorized credit inquiry that has been made under my name. I want to be clear that I never gave consent for this company to pull my credit report.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-28 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: MD

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX  Account Opened : XX/XX/XXXX Account name : Darcarsbow Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Account opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XX/XX/XXXX 6.Account name : XXXX XXXX Account opened : XX/XX/XXXX 7.Account name : XXXX  Account opened : 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 2025-03-28 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: FL

Complaint narrative:
I disagree whit the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re investigated. The inaccuracies are highly injurious to my credit score. 
Account NAME 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-28 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: CA

Complaint narrative:
A charge off of {$150.00} from a checking account was illegally reported on my credit ... from XXXX XXXX XXXX XXXX... i do not owe {$150.00} ... checking account was paid in full... 
Credit agencies are responsible in making sure before they garnish information and report it, to make sure it is accurate and fair ... in this case all XXXX credit bureau have failed to do so ..i lost XXXX points off credit due this situation NEVER received a 1099 regarding charge off, i do not owe {$150.00} ..account was paid in full and should not been reported on my profile ALSO credit cards and line of credit was wrongfully being reported as closed when its not this situation also has caused my credit score to go from XXXX to XXXX this has impacted my life ability to open my business... 

CIVIL LAWSUIT IS NEXT

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 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  claims it was open XX/XX/year> it was written off and it still shows a balance and want me to pay i have receive mail asking for payment and reporting. according to fcra section 605b illegal 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am respectfully writing you to dispute the bankruptcy listed on my credit report. I have a letter from the court verifying that this bankruptcy must not be disclosed. Moreover, an unapproved external party is included, which complicates this issue further.

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 2025-03-28 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
" 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a notice from my bank that my checking account was frozen due to a judgment against my son who has the same name as me. I am XXXX XXXX XXXX My son is XXXX XXXX XXXX XXXX are XXXX  years different in age. when I went to the bank they acknowledged to me that this is my account because they know me apparently when my account was opened the bank input my sons social security number instead of mine his suffix is the XXXX mine is XXXX, as stated on the social security cards. i always kept my social security cards and my children together in a portfolio business car booklet and when i handed the banker at that time which was citizens bank or people united the entered the wrong social security card number in along with my drivers license, at that time they should of noticed the difference, my children were in the adolescent years not old enough XXXX XXXX nor have a bank account. for all these years my account which the president of my bank, M & T bank, XXXX XXXX XXXX XXXX XXXX was aware of the situation as we explored the possibilities as how this happened. i issued her my drivers license and social security card as well as my sons information and she acknowledged there was an error. after XXXX weeks have gone by i have not heard from her amount making the change and she has not contacted me since. she said she esculate the issue to the back office but has not changed a thing. my account is also still frozen. i also contacted the attorney office who are responsible for the error and they also spoke to my son as well and he acknowledged that the bank account that they have froze was not his and that he has never banked there or done any business with that bank. I submitted 90 days of bank statements and a copy of my Social security income XXXX XXXX  that supposed to be exempt and they have not responded back to me or the bank. When I call them and enter the file number XXXX at XXXXXXXX XXXX XXXX XXXX XXXX they hang up. there email is XXXX no response. the bank email is XXXX no response as of today. please expedite this matter .i am being victimized especially when the bank knows that this is my account as the father and not the sons and they verbally acknowledged the mistake of imputing the wrong social security number when both were in the portfolio holder. Please take notice that my son is XXXX XXXX XXXX which is on the court document, my Account is XXXX XXXX which also designate XXXX. The bank made the mistake of omitting my suffix XXXX and that would distinguish the difference of ownership of the bank account more clearly. .thank you 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 2025-03-28 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: MA

Complaint narrative:
I have disputed an inaccurate late payment on my closed XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX with Experian multiple times. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), credit bureaus are required to provide documented proof from the original creditor when verifying disputed information. Despite my repeated requests, Experian has failed to provide any valid documentation to support their verification. Instead, they continue to report the late payment without proof, which is a violation of my rights under the FCRA. I am requesting the CFPB to investigate Experians failure to properly verify this information and have this late payment removed from my report immediately.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I sent in the corrected tax amount papers showing {$1000.00}. The mortgage company ran an escrow analysis with an amount of {$4400.00}. Our monthly payment increased over {$300.00} dollars now. They also received their refund of {$3400.00} XXXX XXXX. which shows they received the corrected tax amount ( {$1000.00} ). I submitted the paperwork on XX/XX/XXXX and asked for a new analysis to be ran with the corrected amount. We also paid our escrow shortage XX/XX/XXXX of {$440.00}. I just called today, XX/XX/XXXX, and they informed me they did not fix the issue. There might have been an " error '' and the escrow analysis they ran yesterday, XX/XX/XXXX, is still showing the {$4400.00} for taxes. The representative told me they will have to redo a whole new escrow analysis which will take another 21 days and our payment of {$1900.00} is still due. I submitted my paperwork for the corrected amount in a timely manner to have the payment fixed and they did not do their part to fix the issue. The mortgage company also received their refund check around XXXX time frame and they still ran an analysis in XXXX with the wrong tax amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief