vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Retl Mnanagement LLC
State: TN

Complaint narrative:
on XX/XX/XXXX I applied and thought I was approved for a loan/refinance through Crestcore Financial LLC XXXX I was told that I would be doing a double closing which included obtaining a purchase loan and a refinance would be done once the purchase was complete but these two things would happen simultaneously. The purchase was completed on XX/XX/XXXX and I was told that I needed to wait on my agent ( whom they referred I use ) XXXX XXXX XXXX, to completely stop answering my calls for over 2 months at which she then was only able to tell me that I would not refinance due to a seasoning period that's required after purchase. This information I did not know and was not made aware of until after the closing with Crestcore ( which I would not have done if I could not get financed ) Crestcore and XXXX XXXX created a fake Pre-approval LETTER STATING i WAS APPROVED FOR FINANCING TO GET THE FIRST LOAN DONE WITH CRESTCORE AND THEN i WAS LEFT WITH NO OTHER RESOURCE OTHER THAN TO PAY THE HIG INTEREST PAYMENT ; despite the fact that i HAD A XXXX CREDIT SCORE AT THE TIME. THIS HAS CAUSED ME TO LOSE MY PROPERTY AS THEY FORECLOSED ON THE PROPERTY ON XX/XX/XXXX. After talking to an attorney I was told that i have a case of predatory lending and would need to file a complaint with the Consumer Financial Protection Bureau, in addition to filing a lawsuit for damages as this has caused my credit to drop over XXXX points as well as the foreclosure.. also when making payments i always paid more than the principle payment was required but overages were never recorded as such but rather applied to interest payment. company never answered the phone or responded to emails to requerst that overages be applied to principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NC

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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
1. No defined procedures by Fay Servicing in regard to the foreclosure process. No loss mitigation proposals that will allow me to keep my home.

2. Fay Servicing requested me to complete the same loss mitigation application multiple times, thus stretching out the loss mitigation process over a long period of time.

3. Fay Servicing responded to my multiple emails with a auto-response but never a follow-up from a Fay Servicing representative.

4. Fay Servicing requested me to complete the loss mitigation application for a multiple time and then shortly thereafter filed a preliminary loss mitigation affidavit ( thus beginning the foreclosure process ).

5. Summary : Fay Servicing did not provide complete and thorough Information in regard to the loss mitigation process. I believe I have been set up for failure relative to the loss mitigation process. 
I believe that foreclosure is the sole objective of Fay Servicing. 
Note : I am a senior citizen who has owned my home since 1973. I became ill with XXXX  and thus I had difficulty in maintaining my monthly mortgage payment. I am now capable of making my monthly mortgage payment and I could make past due payments over time with a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-16 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-16 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
In XXXX I checked my credit report online and noticed accounts in collections that do not belong to me. I have had issues in the past with Identity theft and had the same collections agencies state that I owe for services in states that I do not reside or other bills. I have never lived in another state. All accounts at the three credit agencies should have identity theft and fraud alerted on my credit reports and all my accounts are frozen yet I still get calls and collections agencies calling me about fraudulent accounts. The most fraudulent account is named LVNV Funding LLC c/o Resurgent Capital Services/ XXXX XXXX XXXX XXXX, SC XXXX. I have never heard of this company or had any accounts with them. They state I had an account open from XX/XX/XXXX and they closed it XX/XX/XXXX. A day after I started a dispute online. It now shows a closed account and shows I owe them still. I disputed their claim for debt collection through the credit bureau XXXX. They came back stating the information was correct. I called XXXX and spoke to someone about the dispute, but they couldn't help because their website was not working. I couldn't login to file another complaint with XXXX as their site never works. It kicks you out and when you try to click a dispute the website takes you to a page that is broken. Their solution is to keep calling or trying to login or come back another time. XXXX states that I also have another bill from XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX. They also state I have accounts that were created XXXX XXXX My identity was stolen XX/XX/XXXX. They got into my phone, XXXX, and shut off my phone, got into my high yield savings account and tried to take all my savings. It was a horrible experience, and I am still fighting multiple debt collection agencies for different amounts that all say I live in Texas. All these accounts are fraudulent. I want them taken off my credit report and my credit score returned to the original score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
XXXX is discriminating against minorities & committed fraud without consent from student. I was approved for unsecured loan & grants for attending my 1st time doing XXXX XXXX XXXX XXXX. I started XXXX  XXXX, which started around XXXX XX/XX/2023. I was in an XXXX  accident in XX/XX/2023. So Im still working to provide & started school  in XXXX XXXX. When I got started on courses school  work etc. I was having trouble getting in touch with my teachers to see what the best options were available to me at the time of need. The teachers ignored my needs and reported I never attended class which I did. All my classes are online so it was just a matter of getting the right teachers to help. After I noticed they sent my grant money and loans back to where I applied to get them without my permission. Never did I once receive a call from my teachers, financial aid department, or advisor allowing me to know what is best option for me at the time.

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 2024-12-16 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: GA

Complaint narrative:
I've attached a few of my last disputes. The investigations have not been done properly. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the two. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Repeated Charge-Off Reports : This XXXX  XXXX account is inaccurately reported with monthly charge-offs, re-aging the debt illegally. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Every time the charge-off is updated, the " on record until '' date changes. One report shows on record until XX/XX/XXXX, since the most recent charge-off update for XX/XX/XXXX, the on-record date is now XX/XX/XXXX, thus proving the illegal reading of the debt. 
Moreover, the investigations have not been done properly or in a timely manner. There is a dispute from XX/XX/XXXX that still has not been resolved. The XXXX XXXX  account was updated in one report dated XX/XX/XXXX to " discharged in bankruptcy in XXXX '' when the disputed bankruptcy on my consumer report shows it was filed in XXXX. This is clear that the creditor is being deceptive in reporting and further proves Transunion took 30+ days the allow eOscar to review and verify this information. The account can't be discharged in bankruptcy, and then be updated to paid and closed. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Initially, I was demanding the removal of the unverified late payments for the XXXX XXXX and XXXX XXXX accounts. Now I'm demanding the accounts be removed from my consumer report immediately for gross, willful continuation of reporting unverified, unlawful, false, and inaccurate information. This constitutes fraud on Transunion 's behalf. I've attached proof. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist in removing these accounts?

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 2024-12-16 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX  and tired of this. I'm gon na go to court.

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 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To : Capital One XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Request for Investigation and Deletion of Late Payments Dear Capital One, I am writing to formally dispute the late payment entries associated with my credit card account ( Account Number : XXXX ). The reporting of these late payments contains inaccuracies and fails to meet the standards required by federal law. I am requesting a thorough investigation into these entries and prompt correction of my credit file. 

Key Information for Review : Account Holder : XXXX XXXX XXXX XXXX : {$1500.00} Balance ( as of XX/XX/2024 ) : {$1600.00} Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Truth in Lending Act ( 15 U.S. Code 1666b ), and Regulation Z ( 12 CFR 1026.13 ), I request your attention to the following : Verification of Reporting Accuracy : Payments reported as late must be verified for accuracy. Under 15 U.S. Code 1681 ( 2 ) ( Xi ), only accurate, complete, and verifiable information may be reported to credit bureaus.

Billing Error Resolution Compliance : Payments may have been incorrectly classified as late due to errors in billing or reporting. As outlined in 12 CFR 1026.13, any billing error must be fully investigated before reporting late payments.

Truth in Lending Compliance : Payments received within the agreed-upon grace period must not be treated as late. Any late reporting in conflict with 15 U.S. Code 1666b constitutes a violation.

Discrepancies Identified : Payment records do not align with the reported late payments. My last payment was made on XX/XX/2024, yet the account is inaccurately shown as 3090 days late in multiple months. 
The account shows a past-due balance of {$130.00}, which may have been caused by discrepancies in posting payments rather than a legitimate delinquency.

Actions Requested : Conduct a complete investigation into the accuracy of the reported late payments.

Provide documentation that verifies the legitimacy of the late payment reporting, including payment posting dates.

Remove all incorrect late payment entries from my credit report.

Confirm the results of your investigation in writing.

Supporting Documentation Attached : Credit report highlighting the disputed entries Payment history records Correspondence or receipts related to payments I look forward to your response within 30 days, as required under federal law. If you are unable to provide sufficient evidence to validate the late payment reporting, I expect the information to be promptly removed from my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Secured Loan Dates with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : Account Name : XXXX XXXX XXXX Type of disputed information : Rental Agreement Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXXXXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief