vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I lost my job early XXXX due to downsizing after 38 years with the company. During the same time my RE taxes were increased by 85 % which raised my payment by almost {$500.00} per month, so I was unable to make my mortgage payments. I decided to sell the house, but found that I had extensive foundation issues which had started causing cracks in the walls upstairs and issues with doors not closing. The issues were more than I could afford and would make me upside down in value vs mortgage balance. I decided to go with a short sale hoping this would help sell the home to an investor who would fix the problems. A XXXX  was sent by the mortgage company, but he gave a value that was inflated value of {$230000.00}. His value was higher than other houses that had recently sold in the neighborhood without issues. When a new XXXX was requested, they sent the same appraiser and his value was the same. The investor hired a structural engineer and the cost of the foundation repairs was {$52000.00}. After months of negotiations with Mortgage company regarding a contract offer with an investor, the investor cancelled. With no further offers, Mortgage company listed the property for a lesser value of {$180000.00}, and after 3 months of no offers, they lowered it to {$160000.00}. We then received a couple offers, the first one fell through because the buyer cancelled. The last offer was for {$160000.00}, from a highly respected investor, but now the representative at mortgage company wont submit the offer to XXXX XXXX and wants to go forward with foreclosure and sale of property at auction. They gave me a date of XX/XX/XXXX, but so far that date hasnt happened to my knowledge. I just want them to be fair and submit this latest offer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant emotional distress but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I've recently received a copy of my credit 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 2025-01-03 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I am submitting this formal complaint regarding [ Equifax ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts : On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided [ Equifax ] with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Despite this, [ Equifax ] failed to block the disputed items within the four business days required by FCRA 605B . Instead, they stated that the accounts in question were not going to be blocked and removed. [ Equifax ] 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint : Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. [ Equifax ] 's refusal to comply with this requirement constitutes a direct violation of federal law. 

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : [ Equifax ] failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX Bank XXXX New York, XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

[ Equifax ] 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, [ Equifax ] 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was assumed by Mr. Cooper mortgage at the end of XXXX. I have an escrow account but my taxes were not paid. Upon inquiry, I found out that they had paid the wrong account, my neighbors taxes, instead of mine. I tried to resolve this starting in early XXXX when i discovered the issue. I emailed my correct information and tax bill to the address they requested. They again paid the same wrong account several times, and I went back and forth with them until they finally paid it correctly in XXXX of XXXX. The taxes they are incorrectly paying are twice as much as mine, In the meantime, my escrow is overcharged, resulting in my mortgage payments being overcharged as well. I thought it was resolved when they were finally paid correctly in XX/XX/XXXX. 

In XX/XX/XXXX, they again paid the wrong amount to the same wrong tax parcel number. I have emailed once again the correct info on XX/XX/XXXX to correct this, with no success. The escrow amount is still wrong and they have paid the wrong taxes which were returned to them. The taxes they are paying to the wrong account are twice as much as mine, so in the meantime, my taxes are unpaid and accruing extra charges and my esrow account is being overcharged. 

It is next to impossible to reach anyone by phone to resolve this, and the chat option is useless. I chatted with them today, XX/XX/XXXX to let them know it has still not been corrected.They keep telling me to sent the correct info and that it will be resolved in XXXX days, which i have already done repeatedly. it has now been over a year that they have given me this same response. I need this resolved. Its a simple matter of one unique tax parcel number and one tax amount that has to be paid, and they have all the info but refuse to correct it. 
I would appreciate any help you can offer as this is costing me extra money every month.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Per my recollection, I deposited XXXX bags of currency and checks from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX into the night depository of M & T Bank, XXXX XXXX, XXXX, PA XXXX on Sunday afternoon, XXXX XXXX, at approximately XXXX XXXX. The bank admits to receiving only the first bag. The second bag contained checks in the amount of {$6200.00} and cash totaling {$1000.00}. I have been making these deposits for over XXXX  years. According to the bank, the security video showed that I only made XXXX deposit, not XXXX. The bank is unwilling to allow myself or any other church representative to view the video, per bank policy, we were told. We were offered to see a stiIl shot which could only have been intended to identify my car, as I was completely indistinguishable. The photo was terribly dark and grainy. In discussions with the branch manager, he informed me that the total time from when I opened my car door to when I closed it was XXXX seconds. I questioned this, asking if that wasn't a long time to deposit XXXX bag, but he assured me it wasn't. This past Sunday, I made another deposit of XXXX bag into the night depository. A fellow depositor followed me and timed that transaction, taking XXXX seconds. This transaction included my opening the drawer a second time, to ensure the bag dropped, a normal procedure, which the bank said I did not do on XX/XX/XXXX. 

Fearing the second deposit could somehow have become stuck in the chute, we asked the bank to open the night depository to verify that it wasn't. That has happened before. We also asked to view the video, in an attempt to reconcile the difference in time of approximately XXXX seconds for the transaction. Both requests were refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. 
Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report. 

ACCOUNTS ACCOUNT # XXXX/ XXXX ending. XXXX  XXXX Reporting violations 60-, 90- day lates in XXXX of XXXX ; 60- day late in XXXX of XXXX ; 60-120- day lates in XXXX of XXXX XXXX XXXXXXXX ending. XXXX  XXXX Reporting violations 60- day late in XXXX of XXXX XXXX XXXX ending. XXXX XXXX Reporting violations 60- day lates in XXXX of XXXX ; XXXX day lates in XXXX of XXXX XXXX XXXX  XXXX ending. XXXX XXXX Reporting violations 60-, 90-, 120- day lates in XXXX of XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Equifax is in clear violation of 15 USC 1681 . This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership. 
Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I looked on my credit report and found this there I never order from them before this is fraud Account information disputed by consumer, meets FCRA requirements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under theFCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact UNAVAILABLE, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
They said I entered a check amount different than the actual check amount. That is false. They then restricted my account and did not tell my why. I called at least 5 times over the course of 4 days to see why I was limited. They said that I will probably not be let into my account and they are not giving me my money that was already in my account. They did not let me speak to a higher-up. I was told I would be able to speak to a supervisor and they never called me like they said they would. Ive seen this happen to a few people already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
My Experian account was taken over by a fraudster. They changed the email address and phone number that my account is linked too. I can not get in touch with a representative from Experian to straighten this out. They don't have an email address or a chat capability. Their phone number leads to a virtual assistant that doesn't understand what I am requesting and hangs up on me. I am being told my credit report is frozen when I went to apply for a credit card and I can not unfreeze it because my account was taken over. I am very nervous about what else was done with my credit if fraudsters can take over my credit report accounts. I tried to contact Experian through their feedback ( survey ) tool on their website and through XXXX as well. Thank you for any help you can provide for me to get this nightmare resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with the complete accuracy. The account XXXXXXXX XXXX  has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you investigate this account and update these payments to paid on time immediately thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with the complete accuracy. The account XXXX XXXX  has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you investigate this account and update these payments to paid on time immediately thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
Subject : Report of Data Privacy Breach Dear CFPB Administers, I am writing to formally bring to your attention a serious data breach incident that has resulted in a significant violation of my personal privacy. 

In XX/XX/year>, I became aware that in XXXX of XXXX  ( MODB : Mother of All Data Breaches ) my personal data, including but not limited to my full name, Social Security Number, bank account information, and other sensitive financial data, was compromised due to a breach at XXXX. This breach has caused me substantial distress and put me at risk of identity theft and other malicious activities. 

Despite contacting the companies on my credit files, to address this issue, their response has been inadequate and has not assured me that appropriate measures are being taken to mitigate the impact of this breach and to prevent future occurrences. More importantly, I have not received sufficient information regarding the scope of the breach and the specific personal data that has been compromised. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is crucial for the protection of consumers ' rights that entities handling sensitive data adhere to strict data security measures and provide timely, transparent communication to affected individuals in the event of a breach. 

Thank you for your prompt attention to this significant issue. I look forward to your assistance in resolving this matter and ensuring that appropriate safeguards are enforced to protect consumers ' personal data.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation