vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
( XXXX ) Escrow fraud. 
I bought an owner occupied 4 plex via VA loan. After more than a year I bought a single family home. I refinanced my 4 plex with Mr. Cooper. 
a. I have had insurance $ XXXX in place 100 % of the time. 
b. 2 years in a row, the company has force placed insurance claim that there is no insurance. 
c. I am currently paying $ XXXX over what I owe. I am retired on social security and 100 % VA XXXX and can't afford to keep paying this fraudulent charge. 
d. My insurance company of 30 years has resent the insurance declaration sheet and spoken with Mr. Cooper 2 times. 
e. I have spent more than XXXX hours on the phone for this very simple fix which should take maybe XXXX minutes to fix. 
f. I bought this property as my home under VA owner occupied 4 plex loan. After aboutb15 months, I bought a single family home. I refinanced it with Mr. Cooper. 
g. The property is a XXXX building 4 plex with 4 townhome on 4 separate deeds. It now has 4 separate mortages. The insurance company says since its 1 building and I own the whole thing, they must insure the whole building under 1 policy or no insurance. 
h. Mr Cooper has the declaration page showing all 4 properties are insured under 1 policy for the whole building. The insurance company even sent the XXXX sheet separately under each of the 4 mortgages. 
XXXX Mr Cooper is collecting an additional $ XXXX and refuses to return my money. 
j. So far, I have called 8 times and spent more than XXXX hours on the phone talking with more than XXXX different people. 
k. Mr. Cooper is stealing a lot of money from me that I can't afford to pay. I am paying this false charge from my retirement savings. 
l. Please help soon. Thank you. 

( XXXX ) The mortgage has been transferred to itself claiming to be a different company twice. I can't get statements or yearly 1099 's for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Alot of credit cards and personal loans along with bank account was open under my name and my social security number. Now that I am working and trying to open bank and credit card accounts, my report show alot of default and collection to which i have no knowledge.

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander bank in XXXX Pa closed my checking account and Ive not received the balance of {$700.00} owed to me. They claimed it was because of fraudulent activity which I never committed. Ive been attempting calls to their branch in XXXX and to date Ive not received my hard earned money. Its been a few months and Im suffering from bills being on hold to be paid. Im a registered nurse and I need to get to work and my funds needed for fuel etc.

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 2024-11-24 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: CO

Complaint narrative:
Experian refused to investigate hard credit inquiry submitted XX/XX/year> saying it was a paid for service check by XXXX XXXX company and support the vendor rather than investigate my approval for credit inquiry.

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 2024-11-24 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-11-24 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$36000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2024-11-24 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: PA

Complaint narrative:
I don't have any idea about these INQUIRIES. This is purely identity theft. This account damaging my good credit reputation! 

UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX this company is evil to american community. when my credit is frozen. how can you release my information to XXXX. I need the answer or face XXXX XXXX. 

XXXX ... we will see you in court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: Nelnet, Inc.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, regarding their failure to accurately update my credit report. On XX/XX/year>, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by NELNET which was transferred/ sold to XXXX XXXX I received confirmation from both XXXX  and NELNET that the accounts are paid in full and provided supporting documentation during the dispute process. However, on [ XX/XX/year> ], the credit reporting agency XXXX responded, claiming the information was updated AND verified as accurate Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens XXXX up to a Consumer Lawsuit in the process for inaccurate reporting. I am requesting the Consumer Financial Protection Bureau in assisting to ensure XXXX fulfills its obligations by : XXXX. Promptly correcting the balances on my accounts to reflect a XXXX balance. XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. I have attached the following supporting documentation for your review : Confirmation from NELNET of the loan being paid in full. Copies of correspondence and the response from the credit reporting agency. Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX. I filled out an application for success with Rocket Mortgage. The deal came back with a trial modification. However, that trial modification seemed to go on for the duration of the Modification, which significantly increased my mortgage. I called and spoke with someone and I was told that the modification did not make sense, but it was just a three-month trial and then they would modify it. It seems to make no sense, so I did not schedule or sign any notary. Instead, I hustled up payment and I made the payment for XXXX on XX/XX/XXXX. I spoke to several different people, and none of them seemed to know much about my situation, but they tried. 
Dates I spoke to Rocket Mortgage : XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX If I did not pay by my trial period, I would be looking at foreclosure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$52000.00} XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance XXXX {$610000.00} Late/Open - XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-11-24 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 2024-11-24 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
XXXX refused to investigate hard credit inquiry submitted XX/XX/year> saying it was a paid for service check by rocket mortgage company and support the vendor rather than investigate my approval for credit inquiry.

Company response to consumer: Closed with explanation