vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This complaint is in relation to my Mortage insurance policy. I currently have PHH Mortgage as a lender on the home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I filed a complaint on the mortgage company reference number : XXXX. My mortgage monthly payment was inflated because the mortgage company applied a hefty fee for purchasing flood insurance through their company which cost a total of {$2600.00} annually. I recently purchased standard flood insurance which cost approximately {$440.00} annually and the mortgage company flood insurance was canceled. Afterwards, they forwarded a letter stating they will not accept our XXXX XXXX XXXX. So, if they do not accept it, we would have to purchase an inflated XXXX insurance. I communicated with PHH mortgage insurance section, and they informed me the reason for the decline of XXXX XXXX  policy is it does not reflect the homeowners name or unit number on the declaration pages. I made contact with the master condo policy insurance provider, and they made an amendment to the policy now reflecting our name and unit number on the policy. PHH Mortage insurance sector representative decline to accept it. Stating the policy does not list the homeowners name on the property hazard section. They refuse to accept it and threaten to purchase an inflated XXXX insurance policy through their company. For the record since XXXX of XXXX, we always had an active XXXX insurance, and they never made it an issue before. 

Included within the attachment please view the association master condo policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Re : Checking account ending in XXXX I just found out that Fifth Third bank withdrew my regularly scheduled mortgage payment of {$1300.00} plus an extra {$850.00} on XX/XX/25. This has caused my account balance to fall below the amount for a purchase I wanted to make. I called the bank this morning and spoke with XXXX ( ID # XXXX ). She told me I have the {$850.00} payment scheduled to be trasferred from my checking account to the mortgage account every month. If that's the case, why has the amount not been withdrawn in the previous months? I'm already making an extra {$450.00} payment towards my mortgage. Why would I schedule a separate amount for {$850.00}? Would it not be more rational to just increase the {$450.00} to whatever amount desired? It doesn't make sense! They are having a glitch in their system as this is not the first time they have done this to me. It caused overdraft charges for me the last time. I already have auto pay set up for my mortgage payment and I never do any funds transfer. This is very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I would like to file this case within the class action lawsuit against Vystar CU of XXXX XXXX. I am a victim of their antics and manipulating computer schemes that caused financial problems for consumers.

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 2025-02-19 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: I.C. System, Inc.
State: MO

Complaint narrative:
I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items. 

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation. 

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 

Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 

Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification.

Since the collectors ( XXXX XXXX XXXX, I.C. System, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact.

I requested validation directly from I.C. System and XXXX XXXX XXXX, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.

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 2025-02-19 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items. 

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation. 

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 

Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 

Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification. 

Since the collectors ( XXXX XXXX XXXX, XXXX. XXXX, LVNV Funding LLC, and XXXX XXXX XXXX  XXXX, XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact. 

I requested validation directly from XXXX. XXXX  and LVNV Funding LLC, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This debt does not belong to me someone used my information without my knowledge spoke with the company they stated it was approved for fraud, but its been on my credit and not coming off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I have tried at length to get an accurate IDR count from both Student Aide.gov and XXXX. I have been in repayment on Student loans since XXXX. My count on the IDR tracker on Studentaid.gov shows XXXX out of XXXX. I can go in and count all eligible months and it shows counts to XXXX. But customer service reps keep telling me it's XXXX but then say they really don't know because the system may not be updated. But The website shows XXXX and XXXX months. On XXXX end they have not been able to tell me anything. I just want to know the accurate information so I can make a plan and some financial decisions to complete this burden. I don't understand how I can see XXXX and I'm being told XXXX. That's a XXXX difference in my life. Please help. I can send screen shots from the website.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Five years ago XXXX XXXX approached my family thru their agent, suggesting we install their solar energy, they said it was going to save us energy bill. I told them that a roofer had stated that my roof had damages that needed attention. I told them that my insurance company denied that claim stating that my roof was good. 
I suggested that they let me know what was their thought, They said that my roof was good and that the solar panel even can give added protection to the roof. 
I accepted their offer on that premise. 
Upon installing the panels my roof started leaking so bad. I then called another roofer who showed evidence that the solar panels should not have been installed on a roof that bad. He showed that the installation even damaged the roof further. 
I had to pay to remove the solar and put a new roof. 
Now remember the solar was supposed to save us energy bill. That too did not happen. 
Our energy bill now is lower than when the solar was on. 
They put this on my credit report, keeping me from doing so many things that I ought to do. 
Kindly intervene and see that they make amends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I contacted my mortgage company in XX/XX/XXXX because I was unable to make the mortgage payment. They directed me to apply for mortgage assistance on their website, which I did on that same day. I received the forbearance approval letter on XX/XX/XXXX, where the six months forbearance payments were scheduled from XX/XX/XXXX through XX/XX/XXXX. I made the scheduled payments timely. The lender never mentioned that the XXXX and XXXX payments will be negatively reported to the credit bureaus. 

On XX/XX/XXXX, the lender called me and said the loan is being transferred to another provider effective XX/XX/XXXX. The representative said that the new lender will contact me about the forbearance or payment assistance. 

The new lender, XXXX XXXX XXXX, introduced themselves and informed me of the total amount due. I informed them that I was ready to resume payments ; however, I asked if the balance due can be put to the back of the loan or a modified monthly payment that includes the balance due. XXXX XXXX directed me to apply for mortgage assistance, which I did. The trials payments started from XX/XX/XXXX through XX/XX/XXXX. Yet, XXXX XXXX XXXX reports late payments to the credit bureaus. 

I contacted the lenders about correcting their mistake. Chase kept giving me the turn around, and a supervisor promised to listen to the recordings to determine if the representatives ever mentioned the late payments reporting to me while my documents were being reviewed for the mortgage assistance request. The supervisor never got back to me. When I called several times again, I was put on hold ; and the calls dropped multiple times. Chase still did correct the negative reporting or got back to me as the representative said. 

I am asking for both Chase Mortgage and XXXX XXXX XXXX to correct the negative reporting. which terribly affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Bank closed accounts would not allow access to funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX & XXXX XXXX XX/XX/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 2025-02-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear NAVY FCU, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that NAVY FCU has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for NAVY FCU to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that NAVY FCU immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring NAVY FCU into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that NAVY FCU will swiftly correct these violations and respect my rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief