vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I switched to XXXX XXXX  for both my home and auto, and Rushmore Servicing, my current mortgage company, did not send Escrow payment and my insurance was almost cancelled. I had to spend hours on the phone with XXXX to have them fix my policy. I then reached out to Rushmore Servicing to have them make escrow payment to XXXX. They confirmed eveyrthing was taken care of and all set but I did not receive any proof or official confirmation of this via email after I requested it. 

XXXX has reached out to me once again stating they still have not received Escrow payment and my policy is once again in jeopardy of being cancelled. Yet, I am making full monthly payments to Rushmore Servicing and I am current with my mortgage payments. I am not confident that this will be resolved and these issues will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have disputed a late payment with comenity bank/express however they have failed to conduct a proper investigate into this inaccuracy, which is negatively effecting my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My account with Experian 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. 


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 XXXXXXXX XXXX XXXX ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section XXXX XXXX b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-27 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: MO

Complaint narrative:
I recently reviewed my credit report and found several billing discrepancies. These late payments don't align with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXXXXXX XXXX XXXXXX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I feel I was wrongfully charged fees in my checking and savings account that I had with Wells Fargo Bank.

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 2024-09-27 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-27 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered a payoff agreement with Midland Credit Management in the amount of {$6500.00}. The agreement was for a monthly amount of {$200.00}, until the {$6500.00} was paid in full. I paid {$200.00} immediately and {$250.00} every month after by way of auto pay from my bank. I have paid all but {$250.00}, which is scheduled for XX/XX/XXXX. However, they state that I owe {$4800.00} because they " abandoned the agreement '' due to default in agreement by large period of non-payment. I have proof of all processed payments and requested to be sent payment history of payments received. XXXX XXXX ( who stated she was a supervisor in the legal department ) stated they are unable to provide written proof of payment history and/or itemized debt owed to me. 

This is a violation and I am in need of assistance, please. 

I have uploaded the original agreement and exported report of monthly processed payments from my bank account. This does not reflect the initial payment of {$200.00} made over the phone. However, I have a screenshot from the Midland Credit Management website of my account that does show that payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for PSLF forgiveness in XX/XX/XXXX. I am very grateful to have received loan forgiveness in XXXX XXXX At that time, I called Mohela to confirm this news and any exit process. The representative I spoke to confirm that I had actually qualified for loan forgiveness in XXXX XXXX However, I made monthly payments of at least {$700.00} until XXXXXXXX XXXX XXXX. She shared that I should expect a refund of those payments directly deposited in my bank account. She gave me a time frame of 4-6 weeks. When that time passed, I called back and was given the date of XXXX XXXXXX/XX/XXXX. That day also came and went with no refund. I just called Mohela back and today the customer service rep told me that there is no indication that I will receive a refund and they can not confirm I made any payments after XXXX. I have bank records that show that my account made direct payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/year> XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OlloXXXX XXXX XXXX XXXX Subject : Request for 1099-C Form and Clarification of Debt Status Dear Ollo/XXXX I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes. 
Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled.

Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports.

Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form for my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies in the personal information associated with my credit report and to request an immediate update to my credit file. I have already submitted the required documents to Equifax, including a copy of my Social Security card, Drivers License, and other official documentation to correct my name and other personal information, as requested by Equifax. This documentation was also sent in relation to the account reported by XXXX XXXX XXXX. 

Despite submitting the required documents, my credit report has not been updated, and I am unable to obtain an accurate credit score due to these discrepancies. This issue directly impacts my ability to maintain accurate records and to assess my creditworthiness. Please see below for the relevant statutes and requirements for compliance : 1. Metro 2 Compliance Accuracy of Personal Information : Under Metro 2 compliance standards, credit reporting agencies and data furnishers are required to ensure the accuracy of all personal information reported, including name, Social Security number, date of birth, and address. The continued inaccuracies in my credit file violate these standards, as Metro 2 outlines specific procedures for verifying and correcting consumer data to ensure proper reporting.

Failure to update my personal information based on the documentation I have already provided is a breach of the Metro 2 guidelines for accuracy and presents a significant barrier to my ability to obtain an accurate credit score.

2. Violation of 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The failure to update my personal information after submitting the correct documents violates this obligation under the FCRA. As my credit report contains inaccurate information, it does not reflect an accurate picture of my creditworthiness, which further delays my ability to obtain an updated credit score. 

3. Request for Immediate Update of Personal Information and Credit Score : Given that I have already provided the required documentation, I request that you immediately update the following personal information on my credit report : Correct Name Correct Social Security Number Correct Address ( if applicable ) Additionally, I request that you provide an updated credit score once these corrections have been made, as the current inaccuracies prevent me from obtaining a valid and accurate credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief