vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I dont own this company anything and the credit bureau are in violation I will be filein lawsuit in 15 days if not deleted Credit Account Numbers : XXXX and XXXX ) from my credit report. This demand follows Experian 's repeated failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ), despite numerous disputes and clear evidence of inaccuracies. 
Violations of FCRA : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : - How Violated : Despite my disputes, Experian responded with " verified as accurate '' without providing documentation of verification. Under the FCRA, Experian is required to conduct a thorough reinvestigation of any disputed information. 
- Penalty : Up to {$1000.00} per violation for willful non-compliance, plus actual damages. 
2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : - How Violated : Both accounts remain inaccurate, as evidenced by the discrepancies in Experian 's reports before and after the disputes ( e.g., inconsistent payment history and account status ). - Penalty : Actual damages caused by inaccuracies, plus up to {$1000.00} per willful violation.

3. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : - How Violated : Unverifiable information must be removed within 30 days of a dispute. My disputes have been unresolved for over six months without corrections or deletions.

- Penalty : Damages, including attorney fees, and costs for negligent violations under 15 U.S.C.

1681o.

4. Negligent and Willful Non-Compliance ( 15 U.S.C. 1681n and 1681o ) : - How Violated : Repeated failures to correct or delete inaccurate information and refusal to provide proper documentation demonstrate willful negligence.

- Penalty : {$1000.00} per violation, punitive damages, and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
Description of Issue : " I am filing this complaint regarding serious violations by my mortgage servicer, Dovenmuehle Mortgage ( DMI ), servicing on behalf of Origin Bank, concerning my HAF-assisted mortgage.

Timeline of Events : 1. My loan was approved for HAF assistance in XX/XX/XXXX XXXX. HAF funds of {$50000.00} were received by DMI on XX/XX/XXXX XXXX. The funds were applied on XX/XX/XXXX After receiving HAF funds, DMI has engaged in the following illegal practices : 1. Improper Fee Assessment : - On XX/XX/XXXX, after HAF application, fees were temporarily cleared to {$0.00} - DMI then began assessing new fees starting XX/XX/XXXX : * XX/XX/XXXX : {$56.00} * XX/XX/XXXX : {$110.00} * XX/XX/XXXX : {$160.00} * XX/XX/XXXX : {$220.00} * Continuing to increase to {$330.00} by XX/XX/XXXX XXXX. Excessive Payment Demands : - After receiving {$50000.00} in HAF funds, my amount due has increased from {$37000.00} to {$65000.00} - This represents a {$27000.00} increase AFTER HAF assistance - This appears to violate both HAF program guidelines and RESPA requirements 3. Account Balance Manipulation : - My loan was foreclosed on XX/XX/XXXX - XXXX artificially set my balance to {$1.00} from XX/XX/XXXX to XX/XX/XXXX - On XX/XX/XXXX, they suddenly added back {$280000.00} - This manipulation appears to violate RESPA and proper accounting practices 4. Escrow Account Mismanagement : - My escrow account shows consistent negative balances ranging from - {$9800.00} to - {$17000.00} - DMI continues to collect escrow payments while maintaining these significant negative balances - This appears to violate RESPA 's escrow account management requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXXXXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft Dear TransUnion, I am writing to formally dispute several unauthorized credit inquiries on my credit report, which I believe are the result of identity theft. Please consider this letter as my official request to investigate and remove these inquiries in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
The following credit inquiries were not initiated or authorized by me : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Under the FCRA, Section XXXX, I am entitled to dispute information that I believe is a result of identity theft. I have attached the following documents to support my claim : XXXX. A copy of my government-issued photo identification ( e.g., driver 's license or passport ). 
XXXX. A copy of a utility bill or other proof of address. 
XXXX. A copy of the Identity Theft Report filed with [ Police Department Name or Federal Trade Commission ( FTC ) ]. 
I request that you : XXXX. Remove the unauthorized inquiries listed above from my credit report. 
XXXX. Send me a corrected copy of my credit report once the inquiries have been removed. 
XXXX. Provide written confirmation that the disputed inquiries have been resolved. 
I also remind you that under the FCRA, you are required to complete your investigation of this dispute within XXXX  days of receipt of this letter and notify me of your findings promptly. 
Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at XXXX ]. 
Sincerely, XXXX XXXX I tried disputing these inquiries with Transunion over the phone and they refused to help me. Please investigate and take these fraud inquires off my reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX  identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
You ALL CONTINUE TO ALLOW THIS COMPANY TO LIE DEFRAUD & SCAM PEOPLE I WILL BE CONTACTING MY ATTORNEY GENERAL 'S OFFICE & FILING LAWSUIT AS WELL! THESE PEOPLE ARE LYING I HAVE MADE OVER A THOUSAND DOLLARS IN PAYMENTS ON A CLOSED ACCOUNT BUT YET MY BALANCE CONTINUES TO RISE! I AM A SINGLE XXXX MOTHER OF A XXXX XXXX  XXXX & THIS IS CONTINUING TO HURT MY CREDIT & CAUSE MENTAL, EMOTIONAL, PHYSICAL & FINANCIAL DISTRESS UPON ME & NOBODY SEEMS TO CARE! I PROVIDE PROOF & YET YOU ALL KEEP OVERLOOKING THOSE FACTS! THESE PEOPLE HAVE TOLD NUMEROUS LIES AND YOU PEOPLE ALLOW IT! THEY HAVE NOT SENT ME ANYTHING & THERE'S LAWS IN PLACE TO PROTECT US CONSUMERS BUT YET THESE PEOPLE KEEP VIOLATING THEM AND YOU ALL ALLOW IT! TRUST THE ATTORNEY GENERAL WILL GET TO THE BOTTOM OF IT & HOLD THEM LIABLE! MY ACCOUNT HAS INCREASED YET AGAIN AND ITS STILL NOT WHAT THEY KEEP CLAIMING IT IS! I WILL FIGHT THESE FRAUDULENT PEOPLE TO THE END & WILL HAVE A CLASS ACTION LAWSUIT CAUSE ITS THOUSANDS OF PEOPLE THAT THEY'RE DEFRAUDING THIS WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief