vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
During my application with Freedom Mortgage for a conventional home loan for a condo, I was approved pending the final Underwriting process. I was told that all the numbers looked great and that the automated underwriting system had approved me. Several days later, I was notified that my loan was denied due to having too many children to be moving into a condo, therefore they did not believe me I intended on moving into the condo as my primary residence. I had previously informed the company that I am in my XXXX  marriage, and XXXX of my older children have moved out of the house, and XXXX older child lives with their father primarily. My current husband and I have XXXX younger children that would be moving into the condo with us. I had also advised the company we are looking to downsize due to difficulties of maintaining the home and looking to settle into our retirement home. My husband is a XXXX veteran and due to the extent of his injuries, we have difficulties with the upkeep in our current home, and additionally needed more time to downsize our possessions, so couldn't immediately sell our current home until after we closed on the new home. Also due to the extent of his injuries and deterioration, we are unable to have more children, and have no need for a large home at this time. This denial of the conventional loan due to having too many children was definite discrimination of my familial status that was directly formed from a biased opinion of the underwriter. I feel that the denial had nothing to do with my ability to pay for this loan, or my intentions of my primary residence.

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 2024-08-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom Debt Relief ( FDR ) is a debt settlement company that has been handling my debt settlements since the summer of XXXX. During that time, they have settled more than {$100000.00} in accounts on my behalf. However, I discovered numerous problems with those settlements and terminated the agreement with FDR. 

On XX/XX/XXXX, XXXX represented that they had settled a debt on my behalf originally owed to XXXX XXXX XXXX  ( Account XXXX ) and subsequently sold to XXXX XXXX XXXX FDR provided me with a settlement letter detailing a payment plan to settle the debt in full, referencing XXXX as the owner of the debt from XXXX. I funded my account with FDR to cover this settlement amount. 

However, upon inquiring with XXXX for debt validation under 15 U.S. Code 1692g ( b ), I was informed that they have no record of the referenced debt and categorically stated that they do not sell or transfer debts to third parties, including XXXX. This discrepancy indicates that FDR has structured a settlement with an entity that does not hold the debt, which raises serious concerns about the validity of the settlement and the payments made under it. XXXX said on XX/XX/XXXX in Response to CFPB Complaint XXXX : " Our records do not reflect any current orprevious accounts ending in XXXX, nor do we transfer or sell our accounts to external banks. Therefore, we are unable to substantiate your claim that we previously held an account ending in XXXX. '' See CFPB Complaint XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection efforts until they have validated the debt. Moreover, no law or principle would allow a company like FDR to enter into settlements for debts that are claimed to be sold to a third party ( e.g., XXXX ) if the bank has a practice of not selling debt ( e.g., XXXX ). 

I demand that FDR provide evidence of how they concluded that XXXX  owns the debt originally owed to XXXX and validate that the payments made towards this debt settlement are legitimate and correctly applied. FDRs potential misrepresentation and failure to verify the validity of the debt settlement raise issues of compliance with both federal and state debt collection laws, including the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

I have multiple complaints with FDR. This arises from one of the debts that FDR settled on my behalf, which XXXX, the original creditor, denies having sold. The information from XXXX that they do not sell debt is new ( because of XXXXXXXX XXXX Response today ), and the questions here are also new. Please treat this as a separate complaint for response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to seek assistance with an issue I am facing with Navy Federal Credit Union. I have a checking account with them that I use periodically and a credit card account that is currently closed but on which I am making regular payments. As of XX/XX/XXXX, a direct deposit of {$2100.00} was made into my checking account. However, the bank automatically transferred this amount to my closed credit card account. Despite being current on my credit card payments, the bank has refused to reverse the transfer. 

I contacted the bank to address this issue, but they informed me that, even though my credit card payments are up-to-date, they are not willing to reverse the transfer. I am seeking your assistance to resolve this matter. 

Thank you for your attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: MS

Complaint narrative:
This account is still inaccurate after the fourth re investigation remove this account Immediately! 

XXXX XXXX ( account number ) - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MS

Complaint narrative:
This account is still inaccurate after the fourth re investigation remove this account Immediately! 

XXXX 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 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I would like to report yet another FDCPA violation by Mullooly Jeffrey Rooney & Flynn XXXX ( XXXX ) First off, I would like to note that this is not a duplicate complaint. This is a new instance of XXXX breaking the law. Despite being advised otherwise, they seem not to care, and flip the figurative bird at the law and propriety. 

As you know, under the FDCPA a debt collector is required to send any letters as " Personal and Confidential '' and not display anything on the letter that would indicate it is from a debt collector. 

XXXX violated both of these clauses of the FDCPA today. 

I'm attaching a picture of the letter they sent. It's not marked personal and confidential, but it does clearly display the name of XXXX, a known debt collector. 

Both of these items are violations of the FDCPA. 

Further, although not a violation of the FDCPA, I have asked XXXX multiple times to stop mailing my home address. I live in a small town on a busy road. Mail often goes missing, and it's problematic that they are doing all these things, without care, especially after being told multiple times to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request your assistance regarding fraudulent hard inquiries listed on my credit report. I have recently reviewed my credit report from TransUnion and identified several hard inquiries that I did not authorize and are therefore fraudulent. 

These unauthorized inquiries are negatively impacting my credit score and overall financial health. Despite my efforts to resolve this issue directly with TransUnion, the inquiries remain on my report. I am concerned about the potential long-term effects of these inquiries and the difficulty in rectifying this issue through TransUnion 's usual dispute process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
Yes I filled a complaint on this company for violating FCRA laws and they let me know they would remove the account from my credit report. However they have not remove it from 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 2024-08-02 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: PA

Complaint narrative:
I am a victim of ID theft and Transunion will not remove this inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I have attached 3/3 FTC reports including ALL OF THESE UNAUTHORIZED ACCOUNTS and UNAUTHORIZED INQUIRES that need to be removed. LAW FCRA Section 605B states my permission is needed to place items on my report. 

The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-08-02 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: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-08-03 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: TN

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and remove the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: HI

Complaint narrative:
An email was sent to me dated XX/XX/year>. My credit score was obtained on XX/XX/year>. The credit card company is called fnbo. I did not apply for this company. I also want to know if ANY other cards were open under my name. I want to freeze these accounts that opened under my name that I do not have any collection of.

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 2024-08-02 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 recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX or XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2024-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX i purchased a refrigerator and stove from appliance connection with a 12 month XXXX interest option. I was told make 12 payments and I did. The last payment was made according to the last bill XX/XX/XXXX. They in turn said I was 10 days late and billed me approx {$1000.00} in interest. The product was not recieved till the end of XX/XX/XXXX. I am currently being sued in civil court for approx {$1500.00} which includes late fees and more interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation