vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: Shellpoint Partners, LLC
State: KS

Complaint narrative:
XXXX of XXXX  I sent my mortgage company new rez /shell point an endorsed check from my insurance company for damages caused by a storm. I told them to just apply to my loan first my past due amount then the remaining to the balance. I got the work completed and had my final inspection the first week of XXXX and everything past and was done the standard inspector. The mortgage company hired said they would inform them and they could release the funds which is never happened. I informed them to they release the funds. I wasnt making another payment. Its going on nine months and they havent released it. Ive had the VA involved. They wont give anybody an answer and now theyre trying to foreclose on my property And when I started looking at reviews online, theres XXXX negative reviews for this company for almost identical situations I have reached out XXXX I have spent countless hours on the phone with them and they just pass you around till your phone call gets disconnected or someone hangs up on you or they just tell you theyre not gon na help you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect and inaccurate personal information. 

Inaccurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
Incorrect and inaccurate personal information. 

Inaccurate : - 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 2025-02-16 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: EQUIFAX, INC.
State: TX

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. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 not 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not 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 explanation
Consumer complaint received 2025-02-16 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:
CONSUMER NOTIFIED DEBT COLLECTORS OF REFUSAL TO PAY DEBT. 
DISPUTES OF INACCURACIES TO ALL 3 CREDIT BUREAUS GO IGNORED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
I was a victim of a breach with my former employer XXXX XXXX and as well my mortgage lender XXXX XXXX XXXX Ive filed a report with the ftc and have explained to the companies that has been reporting negative marks on my account

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 2025-02-16 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:
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 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 has violated my rights. 

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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 not 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not 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 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 2025-02-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for the defamation of character. ) XXXX XXXX XXXX XXXX balance {$520.00}, XXXX  balance {$0.00}, XXXX XXXX  balance {$1900.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for the defamation of character. ) XXXX XXXX XXXX XXXX balance {$520.00}, XXXX  balance {$0.00}, XXXX XXXX  balance {$1900.00},

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 2025-02-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned collection accounts as reported. The aforementioned collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collection accounts are the result of identity theft and fraud.

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 2025-02-16 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: Advanced Resolution Services Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FactorTrust, Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
From the outset of the loan process, I encountered numerous issues with Vanderbilt Mortgage. Even before loan disbursement, discrepancies arose regarding my escrow account. The initial escrow estimate, which included inflated property tax and homeowner 's insurance figures, was significantly higher than anticipated. Despite raising these concerns from the beginning, I was consistently informed that these were merely estimates, yet they proved to be substantially inaccurate. 

Throughout the loan term, I experienced financial hardship and sought assistance. However, Vanderbilt Mortgage provided no proactive support or viable options until I contacted the Department of Housing and Urban Development ( HUD ). Only then did they inquire about my financial situation. Despite submitting documentation, including medical expenses, demonstrating my financial constraints, my requests for assistance were repeatedly denied. Vanderbilt Mortgage never formally requested supporting documentation prior to my HUD contact, instead relying on subjective assessments of my ability to repay the loan.

Furthermore, during the initial loan phase, Vanderbilt Mortgage mandated the payoff of all outstanding credit accounts, severely depleting my available cash reserves. While I attempted to prepay certain loan-related expenses, such as the land survey and a portion of my homeowner 's insurance ( which I secured for {$750.00} compared to their quoted {$1200.00} ), Vanderbilt Mortgage refused to allow prepayment of other costs. This restriction, coupled with the forced credit payoffs, left me in a precarious financial position. 

Adding to these difficulties, my loan payment amount was altered over six times during the lending process. This resulted in misinformation and required intervention from upper management, who acknowledged the errors and cited my case as a training example. In my experience, Vanderbilt Mortgage 's representatives have been consistently unhelpful and, at times, aggressive in their approach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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 2025-02-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report in light of the recent lawsuit involving Equifax, which I came across in my research. I believe the information in question has had a significantly negative impact on my creditworthiness, potentially hurting my chances at securing credit. As part of my efforts to improve my credit standing, I previously submitted a dispute regarding certain accounts listed on my credit report. However, I received a response stating that the accounts were verified, despite my belief that they may not accurately reflect my credit history. After reviewing the lawsuit involving Equifax, I feel that the verification process may have been flawed or incomplete, leading to these accounts being incorrectly reported. Given the negative impact these accounts have had on my credit score and financial opportunities, I am requesting that these accounts be removed from my credit report as soon as possible. I believe that the verification process in question may not have been fully compliant with the standards set forth by the law, and therefore, I am requesting that the CFPB intervene and assist in ensuring the accuracy of my credit report. Thank you for your attention to this important issue. I look forward to hearing from you soon. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am victim of identity theft, resulting in fraudulent and unauthorized use of my banking account information. An unknown party accessed their financial information without consent, leading to unauthorized transactions. Bank was aware of situation. 
The situation was never resolved. I am victim of identity theft was falsely accused of fraudulent activity despite being the one affected by unauthorized banking transactions. Although they reported the issue, the bank took no corrective action to address the fraud. Instead, they were held me responsible for the unauthorized usage, leading to financial and reputation consequences beyond my control.

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American credit acceptance has violated the Truth in Lending act, title 15 USC 1601. They failed to provide an accurate depictions of all financing terms and charges prior to solidifying loan.

Under TILA, lenders must clearly disclose loan terms, including : - Interest rate & APR - Total amount financed - Total loan cost with interest - Payment schedule & late payment fees- Any prepayment penalties If a lender fails to provide a written breakdown of these disclosures before the loan agreement is signed, this is a TILA violation. This information was not disclosed to me. When I contacted the lender, I was threatened with repossession of my vehicle even though they were in violation.

They are also in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. American credit acceptance has reported my loan as a charge off which has negatively impacted my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I am filing a complaint against Vance & Huffman LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Vance & Huffman LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Vance & Huffman LLC actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Vance & Huffman LLC complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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