vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/year> my property was struck with a category 5 hurricane and state of emergency. The property was damaged and the fence that protected the pool was destroyed. It took several months to get a permit and do to the high demand due to the emergency it was delayed and costs increased for repairs and construction. My county advised me that there was a program to assist and permission to defer taxes due. I applied to FEMA which was required first. Property taxes became past due and my mortgage lender placed forced escrow and required an immediate payment of {$18000.00} and increased mortgage payment from {$1500.00} to {$3100.00} to include prepaid taxes and insurance. I tried several times to get a detailed breakout of the {$18000.00} and disputed that amount since only may taxes for a few months late, my insurance was current and prepaid. Each time I called my lender they told me they could not provide the information but would send a letter, I would wait and I would receive the incorrect information and I would contact them and they would resend. The forced a new insurance policy that was more expensive and I already had prepaid for my insurance but they said forced escrow is bundled with taxes. They rejected my monthly mortgage payments due to the {$18000.00} that grew quickly. In XXXX I wired a payment of {$20000.00} which included the maximum prepaid escrow per RESPA however the lender did not accept and wanted that I pay both insurance premiums, my prepaid and their forced placed, and added taxes prepaid to monthly and also more than 2 years advanced taxes including monthly prepaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
These credit bureaus have repeatedly failed to maintain accurate records on my credit report, despite my numerous efforts to have the inaccuracies corrected. This letter outlines the specific violations of my rights under the FCRA that have caused me significant financial and emotional harm.Incorrect Names and Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) 2. Failure to Remove Fraudulent Accounts ( Violation of 15 U.S.C. 1681i ( a ) ) Despite filing multiple disputes, the credit bureaus have refused to remove fraudulent accounts that were opened in my name without my authorization. This failure to investigate and correct these inaccuracies within a reasonable time is a violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputed information in a timely manner. Inaccurate Reporting of Collections ( Violation of 15 U.S.C. 1681e ( b ) ) The credit bureaus are reporting several fraudulent collections accounts on my report that do not belong to me. This is a violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Failure to Remove Fraudulent Bankruptcy Filing ( Violation of 15 U.S.C. 1681c ) The credit bureaus have also failed to remove a fraudulent XXXX  XXXX Bankruptcy listing that does not belong to me. This bankruptcy is causing severe damage to my creditworthiness and violates 15 U.S.C. 1681c, which governs the reporting of public records and the obligation to remove incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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:
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX {$180.00} and XXXX XXXX XXXX {$630.00} ; Collection accounts, were disputed on my Transunion Credit Report. These accounts were removed from my XXXX report and XXXX report on XX/XX/XXXXXXXX  and XX/XX/XXXX. Transunion is still showing these accounts as accurate. Transunion is violating 15 USC 1681EB.

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 2024-09-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I clicked on an offer on XXXXXXXX XXXX website advertising a {$200.00} statement credit and XXXX bonus miles ( the offer is now {$500.00} statement credit ). Instead of receiving the {$200.00} statement credit and XXXX bonus miles, I just received XXXX bonus miles. I filed a report with American Express and they stated that the link on XXXXXXXX XXXX  website directed me to the incorrect offer and not the one that was advertised. XXXX in XXXX XXXX escalations admitted the link was a problem, but refused to offer any type of reconciliation to honor the terms of the original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly. 

The disputed payments are as follows : XXXX. Date of XXXX XXXX XXXX : XX/XX/XXXX XXXX. Date of XXXX XXXX XXXX : XX/XX/XXXX In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error.

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score.

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

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 2024-09-06 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: AL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Denefits LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding Harassment and Unlawful Debt Collection Practices by Denefits LLC Dear CFPB, I am writing to file a formal complaint against Denefits LLC for their ongoing harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 

Despite my repeated requests for Denefits LLC to cease all communication regarding an alleged debt, they have continued to contact me, as evidenced by the attached correspondence. On XX/XX/year>, I sent an email to Denefits LLC, explicitly requesting that they stop all further communication due to concerns that I am a victim of identity theft or fraud. I also mentioned that I had taken steps such as filing reports with the FTC and the major credit bureaus, as well as disputing the fraudulent account. 

Despite this, I received a text message on XX/XX/year>, from a representative of Denefits LLC, which threatened legal action and continued to pressure me into settling the alleged debt. This behavior is not only distressing but also a clear violation of : 1. 12 CFR 1006.6 ( c ) Failure to cease communication after I requested in writing that they stop contacting me. 
2. 12 CFR 1006.14 Engaging in harassing, oppressive, or abusive conduct by repeatedly contacting me after being asked to stop. 

I have attached copies of the email and text message for your review. These communications demonstrate Denefits LLCs disregard for my cease communication request and their continued attempts to collect a debt that I do not owe. 

I respectfully request that the CFPB investigate Denefits LLCs practices and take appropriate action to prevent further harassment. Additionally, I would like Denefits LLC to remove any information related to this fraudulent account from their database and cease all communication with me. 

Thank you for your assistance in this matter. I look forward to your prompt 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 2024-09-06 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX 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 2024-09-06 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: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX All credit company Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following phone number : XXXX ) XXXX This is not my number Please update My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) I did not authorize the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 SO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 


XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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 found unauthorized inquiries on my credit report this afternoon, and I have no idea why theyre there. I checked my report like I always do, but this time, there were random discrepancies. After refreshing my browser to see if it was an error, nothing changed. This situation is incredibly upsetting, and I need the documents Ive provided to be thoroughly examined so I can finally put this behind 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
. 
target card. card was never late but saying it was a charge off. I have asked to update but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-06 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: VA

Complaint narrative:
I reached out to XXXX, Trans Union and XXXX to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reached out to XXXX, XXXX XXXX and Experian to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.

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