vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
We've been struggling since covid. I'm XXXX XXXX and could not work due to non-essential business status. 
XXXX XXXX is our Mortgage Company. 
I've called our relationship manager [ XXXX XXXX ] many time during our inability to pay. Each time he's unavailable and does not call back until finally I asked for a supervisor. she was unavailable and took 4 days to call me back. then finally a day or 2 later XXXX XXXX called. 

On XX/XX/XXXX I was sent loan modification document to fill out. I was not provided a location or email to return to application so I sent it back to the email address it came from on XX/XX/XXXX. 

During a followup call on XX/XX/XXXX I was told that the document wasn't received. I resent it to the email the representative provided on XX/XX/year>. When I was sent the loan modification nobody said anything about the paperwork had to be in at least 37 days before the sale date or provided the email to send the completed document. 

Its my understanding the Mortgage company has 5 days to respond to the application. 
To date they have not responded to any of our loan modification requests. 

I feel that they are trying to force us out as they have not been any assistance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was transferred to Mr. Cooper as of XX/XX/XXXX. I made my XXXX payment to Mr. Cooper on XX/XX/XXXX. When I tried to log in again to view my escrow information, my account was missing my loan information. I called and the Mr. Cooper representative told me that my loan was transferred to XXXX Mortgage. I was not notified of this transfer. Mr. Cooper 's representative said a letter was sent on XX/XX/XXXX ( I did not receive this letter ), but that still does not meet the 15 day federally required notification timeframe, as my loan is with XXXX XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately.

Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately.

Unauthorized Accounts : 1. XXXX XXXX XXXX XXXX Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} 2. XXXX XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a modification due to financial hardship. They never requested any documentation or mailed me a denial letter ( it was denied XX/XX/XXXX ) due to the fact that our mortgage payment would stay the same. I applied on XX/XX/XXXX and it was denied on on XX/XX/XXXX for the same reason. Again, they never requested any documentation or notified me by mail. I only became aware because I checked my online account with them. On XX/XX/XXXX they offered another opportunity to apply for a modification and while it was in step XXXX they denied stating that we had too many prior modifications. Once again they did not send any paperwork through the mail or request further documentation. I spoke with a representative in XX/XX/XXXX and requested documentation of why I had been denied. I requested information on how to file an appeal and they emailed and sent me the documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: SC

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 explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the derogatory information reported on my credit report for the following XXXX  XXXX accounts, which I believe to be inaccurate and outdated : Account # : XXXX Account # : XXXX Issues with the Reporting : Inconsistent Information : The accounts are listed as " Paid '' but still reflect " Collection/Chargeoff '' statuses, which contradicts their settled and paid status.

These discrepancies violate the accuracy requirements outlined under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Harmful Reporting After Settlement : The accounts were " legally paid in full for less than the full balance, '' and the continued derogatory reporting unfairly impacts my ability to secure credit products.

According to FCRA 605 ( a ), derogatory information must be accurate, complete, and not misleading.

Failure to Update Payment History : Payments made prior to charge-off are not accurately reflected, which violates the FDCPA 807 ( 15 U.S.C. 1692e ) against false or misleading information.

Harmful Comments : Comments such as " Unpaid balance reported as a loss '' and " Account legally paid in full for less than the full balance '' create an unnecessary negative perception, despite my compliance in resolving the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately. 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} XXXX. XXXX  XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXXXXXX XXXX  Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXXA Date : XXXX XXXX. XXXX XXXX XXXX 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 2024-12-03 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: CA

Complaint narrative:
XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts are as follows : Potentially Negative XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Closed. {$120.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} Status Closed. {$120.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$510.00} Status Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$27000.00} Status Account charged off. {$29000.00} written off. {$27000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XXXX have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I attempted to work with High Point Mortgage to secure a VA loan through Rocket Mortgage. During this underwriting and closing process, we experienced multiple delays due to Rocket Mortgages excessive underwriting processes and policies. On at least two occasions, we were notified at the end of the day prior to our projected day of closing that the underwriter wanted additional documentation or steps to be completed. During each review, we were only told of a single issue or concern that needed to be addressed. Once we addressed those concerns, the file was reviewed again and then we were told of another concern. We addressed that concern and would be told of another. There was no systematic and concerted effort to efficiently review our file to provide all recommended corrections and clarifications together. All of this poor customer service and lack of professionalism alone put us on the edge of backing out of the loan with XXXX XXXX XXXX  as our broker and Rocket Mortgage. 

We finally received our XXXX and moved forward with closing when we were told by our loan officer that Rocket Mortgage was incorrectly classifying our loan as a refinance, and this was causing us to be erroneously charged an extra $ XXXX to $ XXXX in fees. We owned our land that our new house was constructed on since XXXX. Per the XXXX XXXX XXXX our loan was to be classified as a new build because we began construction in XX/XX/XXXX and finished construction in XX/XX/XXXX. This is within the same year of starting construction so it was a new build. Rocket Mortgage told our loan XXXX that was not correct and we were being classified as a refinance. As the homeowner, we paid 49 % of the loan out of pocket so we should have received a lower VA funding fee per the XXXX XXXXXXXX XXXX. Despite contacting the VA and getting confirmation that Rocket Mortgage was overcharging us, the closer and underwriters refused to change our loan to a new build vice a refinance. 

As a result of the erroneous fees, misclassification, and poor customer service, we had to switch to a different bank to secure a traditional mortgage. This caused unnecessary stress and excess interest fees that we should not have had to pay if we would have been afforded the quality customer service that anyone deserves, especially a Veteran.

Company response to consumer: Closed with explanation