vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RELIABLE HOLDINGS MANAGER LLC
State: FL

Complaint narrative:
XXXX XXXX issued a {>= $1,000,000} mortgage on a home that is now over leveraged by 120 % LTV. The seller provided seller financing towards the purchase price in the amount of {$430000.00}. Total purchase price was {>= $1,000,000} however, total mortgage ( Lendz Loan and XXXX XXXX mortgage ) exceed the value. Title company provided one settlement statement and then created a secret second settlement statement providing XXXX in cash to the buyer that I did NOT sign. This is extremely unusual in real estate transactions and I ( seller ) believe I am a victim to some type of mortgage fraud scheme. Contacted an attorney who wrote several emails to LENDZ financial and also spoke to them via telephone. It has been well over a week and they have not responded as to whether or not they knew of the secret second settlement statement at the time of underwriting. This deal was never intended to be a cash deal given to the buyer ( {$430000.00} ). The intent was to apply the seller financing towards the mortgage price. Possible mortgage fraud or predatory lending issue in need of review if Lendz continues to ignore us. This is in regards to XXXX # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am in need of a car and my only option is to finance. I have spent over a year paying off small debts and finally got my credit to a score of XXXX acceptable to finance a car. Within a span of 6 days my score went down XXXX points to XXXX because nelnet reported payments on my student loans were 90 days late. I have XXXX in student loan debt and was unaware the Covid forbearance had ended and payments were due. I dont have the funds to re pay these loans. I didnt recieve communication from nelnet regarding this until it was on my credit report. Now Ill never qualify for a vehicle and I cant transport to and from work. I reached out to nelnet via phone on XX/XX/year> and spoke to XXXX. She was short with me and explained that there was nothing that could be done to fix whats happened to my credit report and that they reported accurately by doing their due diligence in contacting me and never recieved a response. When I inquired as to why my payments are what they are she said those are the terms of your loan without further explanation. I have never contacted nelnet I have no clue which loans are consolidated which schools these are from and which periods of time. She would not provide me the information and acted annoyed when I tried to seek clarification. She did not offer retroactive forbearance or any assistance with fixing my credit issue. She also didnt offer any options for an income driven repayment plan or even confirm if thats what Im on. I know nothing. My life has been ruined by this in one day. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against Caine and Weiner, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that Caine and weiner placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within 5 days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within 30 days of receiving the notice. A statement that upon the consumers written request within the 30 day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from Caine and weiner. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am filing a formal complaint against the XXXX Department of Education and its loan servicer, XXXX, regarding my fraudulent federal student loan from XXXX XXXX XXXX and the Department of Educations failure to act on my discharge request. 

I submitted a Borrower Defense  to Repayment ( BDTR ) claim on XX/XX/XXXX due to XXXX XXXX XXXX predatory lending practices and fraudulent misrepresentation, which were legally acknowledged in previous settlements against the school. However, despite this claim, I have received no response, and my loan remains on my credit report with negative marks, including late paymentswhich should not exist. 

Additionally, my loan has been in deferment since XX/XX/XXXX, meaning no payments were due during this period. Despite this, XXXX has continued to report late payments, which is both factually incorrect and a violation of federal regulations. 

What I Want to Be Resolved : Immediate discharge of my XXXX XXXX XXXX student loan, in accordance with Borrower Defense to Repayment provisions. 
Immediate removal of all late payments from my credit report, as my loan was in deferment since XX/XX/XXXX, and no payments were legally required. 
Official confirmation of my loan discharge and credit correction from the Department of Education and XXXX. 
Legal Basis for This Complaint : Higher Education Act ( 20 U.S.C. 1087e ( h ) ) Borrower Defense allows loan cancellation for students defrauded by schools.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Late payments reported on a deferred loan are inaccurate and must be removed. 
XXXX XXXX XXXX Deferment Policies Servicers can not report late payments while a loan is in deferment. 
The Department of Education and XXXX are in violation of federal law by failing to act on my discharge request while continuing to report inaccurate negative information to credit bureaus. I request immediate CFPB intervention to ensure compliance and corrective action.

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 2025-03-14 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: TX

Complaint narrative:
I am filing a formal complaint against the XXXX Department of Education and its loan servicer, XXXX, regarding my fraudulent federal student loan from XXXX XXXX XXXX and the Department XXXXf Educations failure to act on my discharge request.

I submitted a Borrower Defense to Repayment ( BDTR ) claim on XX/XX/XXXX due to XXXX XXXX XXXX predatory lending practices and fraudulent misrepresentation, which were legally acknowledged in previous settlements against the school. However, despite this claim, I have received no response, and my loan remains on my credit report with negative marks, including late paymentswhich should not exist. 

Additionally, my loan has been in deferment since XX/XX/XXXX, meaning no payments were due during this period. Despite this, XXXX has continued to report late payments, which is both factually incorrect and a violation of federal regulations. 

What I Want to Be Resolved : Immediate discharge of my XXXX XXXX XXXX student loan, in accordance with Borrower Defense to Repayment provisions.

Immediate removal of all late payments from my credit report, as my loan was in deferment since XX/XX/XXXX, and no payments were legally required. 
Official confirmation of my loan discharge and credit correction from the Department of Education and XXXX. 
Legal Basis for This Complaint : Higher Education Act ( 20 U.S.C. 1087e ( h ) ) Borrower Defense allows loan cancellation for students defrauded by schools.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Late payments reported on a deferred loan are inaccurate and must be removed. 
XXXX XXXX XXXX Deferment Policies Servicers can not report late payments while a loan is in deferment. 
The Department of Education and XXXX are in violation of federal law by failing to act on my discharge request while continuing to report inaccurate negative information to credit bureaus. I request immediate CFPB intervention to ensure compliance and corrective action.

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 2025-03-14 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: TX

Complaint narrative:
I am filing a formal complaint against the XXXX Department of Education and its loan servicer, XXXX, regarding my fraudulent federal student loan from XXXX XXXX XXXX and the Department of Educations failure to act on my discharge request.

I submitted a Borrower Defense to Repayment ( BDTR ) claim on XX/XX/XXXX due to XXXX XXXX XXXX predatory lending practices and fraudulent misrepresentation, which were legally acknowledged in previous settlements against the school. However, despite this claim, I have received no response, and my loan remains on my credit report with negative marks, including late paymentswhich should not exist. 

Additionally, my loan has been in deferment since XX/XX/XXXX, meaning no payments were due during this period. Despite this, XXXX has continued to report late payments, which is both factually incorrect and a violation of federal regulations. 

What I Want to Be Resolved : Immediate discharge of my XXXX XXXX XXXX student loan, in accordance with Borrower Defense to Repayment provisions.

Immediate removal of all late payments from my credit report, as my loan was in deferment since XX/XX/XXXX, and no payments were legally required. 
Official confirmation of my loan discharge and credit correction from the Department of Education and XXXX. 
Legal Basis for This Complaint : Higher Education Act ( 20 U.S.C. 1087e ( h ) ) Borrower Defense allows loan cancellation for students defrauded by schools.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Late payments reported on a deferred loan are inaccurate and must be removed. 
XXXX XXXX XXXX Deferment Policies Servicers can not report late payments while a loan is in deferment. 
The Department of Education and XXXX are in violation of federal law by failing to act on my discharge request while continuing to report inaccurate negative information to credit bureaus. I request immediate CFPB intervention to ensure compliance and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT From my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to formally submit a complaint against Midland Credit Management, a third-party debt collector, regarding their attempts to collect a debt that has been charged off. I believe their actions violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have asked them on numerous occasions to validate the debt and that have failed to do so. for account XXXX stating that I owe XXXX 1. False or Misleading Representations ( 15 U.S. Code 1692e ) : Midland Credit Management has made false statements regarding the status of the debt. They have suggested that I am legally obligated to pay this debt, despite it being charged off. This has caused me significant distress and confusion.

2. Harassment or Abuse ( 15 U.S. Code 1692d ) : The frequency and nature of their communication have been harassing. I have received multiple calls and written communications that feel abusive and threatening, creating an undue burden on me. 

3. Unfair Practices ( 15 U.S. Code 1692f ) : Their methods of attempting to collect the debt are unfair and misleading. They have not provided adequate validation of the debt, nor have they respected my rights as a consumer.

4. Communication in Connection with Debt Collection ( 15 U.S. Code 1692c ) ** : Midland Credit Management has continued to contact me regarding this debt despite my requests for them to cease communication. This disregard for my request is in violation of the regulations governing debt collection practices.

5. Obtaining Information Under False Pretenses ( 15 U.S. Code 1681q ) : It is my belief that they have obtained my information through improper means, as I have not authorized any transfer of my debt to their agency for collection purposes. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against Midland Credit Management for their unlawful practices. I appreciate your attention to this serious issue and look forward to your response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 writing to formally dispute a fraudulent inquiries on my credit report and to report a case of identity theft. Upon reviewing my credit report, I noticed an inquiries that I did not authorize or initiate. which I believe to be the result of identity theft. 
i did I authorize any request for a credit report from them. This inquiries was made without my permission, and I am concerned that someone may have used my personal information fraudulently to attempt to open credit in my name. And i have been a victim of identity theft 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 2025-03-14 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-14 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: WI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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