vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr Cooper obtained my mortgage XX/XX/XXXX, my mortgage payment, principal and interest plus escrow, was {$2000.00}. I was notified in XXXX XXXX that my mortgage would be increasing significantly. The statement showed a shortage in my escrow account YET they sent me an escrow surplus check of {$510.00}. Upon investigating the reason for the increase I learned that Mr Cooper had paid XXXX times what was owed to taxes. {$1000.00} was what was owed for taxes, I received a statement and also verified with the tax dept in my city, however, they paid {$4000.00}. I have spoken to numerous agents at Mr Cooper, none of which can tell me where they got this number from or why. I was then told the payment of {$4000.00} was paid to the tax dept on XX/XX/XXXX and was returned to them on XX/XX/XXXX but they didnt know why. I went to my local tax dept in my city and was told they do not have record of any of that happening and in fact the taxes were outstanding, delinquent and incurring penalties and interest. I requested the correct amount of taxes be paid, the difference be returned to my escrow, the numbers be adjusted and an analysis be ran to which they promised they would fix their mistake. While they were fixing their mistake of overpaying my taxes by XXXX times, they made a payment to insurance in the amount of {$2200.00}, however only {$1800.00} was due, so again they now overpaid insurance by {$370.00}. Mr Cooper advises me that they would plug the correct numbers in before the new analysis, that I would have to wait for the XXXX XXXX to reimburse me the {$370.00} and put it back into escrow. I put the surplus check they sent me of {$510.00} back into my escrow as well as that day put the {$370.00} back into my escrow account, they ran an analysis, and my mortgage increases AGAIN, even more this time. As far as I can tell, they still have not plugged the correct amounts in for taxes and insurance, have not returned the XXXX to my escrow balance and just continue to tell me Im coming up short on my escrow therefore my mortgage payment is increasing. I have called Mr cooper probably XXXX times in the span of XXXX weeks to try and resolve the issue to no avail. I have spoken to many reps and escalation agents, all assuring me they will fix it this time, and they just simply make things worse each time. I do not know who to speak with, what to say or do, or who to ask for to get this matter resolved once and for all. This has been an absolute nightmare dealing with Mr Cooper surrounding my mortgage I worked so hard to get, because of XXXX MAJOR and reckless, mistakes THEY have made, back to back, and somehow no one can seem to make it right. This is NOT how business should be done, especially with a single moms brand new mortgage loan on her brand new home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate reports unresolved. The Consumer Financial Protection Borough ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, And failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as experience in action violates federal law and my rights as a consumer.

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 2025-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint against Equifax for its failure to properly investigate my disputes concerning inaccuracies in my credit report. Despite providing all necessary documentation, Equifax repeatedly responds within 24 hours asserting the account 's accuracy without offering any proof of thorough review. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Additionally, Equifax 's conduct may also breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent enforcement action ( File No. XXXX ) against the company for similar infractions. 

I urge the CFPB to take appropriate action to ensure Equifax complies with federal regulations and provides consumers with proper verification of its investigative process. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of MarylandXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : 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 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-28 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: Security Credit Services, LLC
State: CA

Complaint narrative:
Yes I have a couple Closed Accounts Reporting on my Credit Report I need removed I have no knowledge of none of these accounts negatively impacting my credit report I have been trying to remove these accounts for years everytime I try to dispute them they credit company never understands & it is making my life now harder so I am here today to let you guys know I need them to remove any fraud accounts I have already explained to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX , I do not have a contract with Midland Credit Management, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: WA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX SAC Finance Violations of Federal Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX SAC Finance regarding serious misconduct, including failure to provide requested information, violation of consumer protection laws, and physical assault by a company representative.

Details of Complaint Failure to Provide Requested Information violating terms of loan, operating outside of sales jurisdiction constituting in tax evasion I made multiple formal requests for information regarding my loan payments and contract details on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite repeated attempts, XXXX XXXX XXXX SAC Finance failed to provide the requested documentation, violating my rights under 15 U.S.C. 1681s-2 and 15 U.S.C. 1666b.

Revocation of Power of Attorney ( POA ) and Companys Retaliation I filed a POA revocation with the state and personally delivered a notice to Manager on Duty XXXX XXXX at XXXX XXXX XXXX SAC Finance. 
Instead of honoring this legal request, XXXX XXXX slammed the door on my hand and physically assaulted me as I was requesting services from his company.

Potential Violations of Federal Law Failure to provide requested loan information violates FCRA 15 U.S.C. 1681b and ECOA laws.

Failure to correct inaccurate reporting and failure to validate the debt violate 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ).

Unfair or deceptive acts or practices ( UDAP ) violations under 15 U.S.C. 45 and the Gramm-Leach-Bliley Act.

Illegal business practices under 12 U.S.C. 1818 ( b ) ( 1 ), ( e ) ( 1 ), and ( i ) ( 2 ) and FTC rulings ( including FIL 57-2002 ).

Resolution Sought I request that the CFPB investigate and take enforcement action against XXXX XXXX XXXX SAC Finance for their unlawful conduct, including : Compelling XXXX XXXX XXXX SAC Finance to provide all requested contract and payment information immediately.

Holding the company accountable for violations of consumer financial protection laws.

Ensuring that all inaccurate or misleading credit reporting is corrected.

Investigating the physical assault incident and reporting it to appropriate authorities.

I request that this complaint be publicly published on consumerfinance.gov to help other consumers avoid similar mistreatment. I understand that my personal information will be redacted before publication.

I appreciate your prompt attention to this matter and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
This is company is a scam they force you into a time share that they tell you you will get this and that and was all a lie. I spoke to several rude reps and tried to work something out even to get out of it and their rude responses was not right at all. I told them that I have little to no hours at work, then they turn around and said how do you support yourself and pay your phone bill.? they will not even let you break contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I want to be unequivocally clear : this tradeline is not reported in accordance with the FCRA guidelines, which require that all information on a credit report be accurate and complete. This entry does not accurately represent my financial history and is in violation of the law. By failing to report this tradeline with maximum possible accuracy, you are causing harm to my credit report, which in turn negatively impacts my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Unfortunately, on a few months instead of been OK ( Pays as Agreed ) they are on current account and that is affecting my credit score.Please verify and modify as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: WA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-28 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: PA

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me and appears to result from identity theft or an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payments paid off and still on credit report and closed accounts still on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Late payments paid off and still on credit report and closed accounts still on 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 explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding XXXX, who has failed to send me a copy of the 1099-C form for charged off reported amount of {$3200.00} XX/XX/year>. Despite my repeated requests for this documentation, XXXX has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : XXXX XXXX XXXX ( XXXX ) XXXX : This statute requires creditors to report the cancellation of debt, including issuing a 1099-C form to consumers when a debt of {$600.00} or more has been canceled.

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt.

The absence of the 1099-C form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by XXXX  The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues.

Thank you for your attention to this important matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation