vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XX/XX/XXXX I experienced a medical issue with my spine. The issue affected my hands which caused numbness and tingling for at least XXXX hours per day. I was forced to resign from my job and was ineligible for unemployment benefits. I submitted a modification packet along with the required documents. I advised them that I was unable to complete all of the questions due to the pain in my hand. PHH stated that as long as I sign it we can complete some questions on the telephone. PHH Mortgage denied the request on XXXX XXXX. I submitted the documents several times. The reason given was failure to submit information. I spoke with my relationship XXXX who assisted me in completing a new application over the telephone. The relationship XXXX stated that he would have an answer for me in XXXX days. I made several calls, more than XXXX to PHH Mortgage about my status. I was given the run-a- round time after time and began to get anxious and wanted the issue resolved before The XXXX holiday. The representative assured me that things will work out in the end. They help with the application for XXXX or more despite my repeated phone calls. On XXXX XXXX I called PHH and demanded that they provided a decision while I wait on the phone. The representative kept me on hold for XXXX minutes. She stated that the modification was denied due to the number of times that I requested assistance. She also stated that my mortgage will be transferred to XXXX, and I need to produce XXXX payments by Friday XX/XX/XXXX and there were no other options to prevent foreclosure. They advised me to call XXXX because it was out of their hands. 
PHH mortgage have done similar things to customers to include misleading them in terms of their policies. PHH knew that I was not approved but held the information from me due to the upcoming transfer. This issue needs to be fully investigated because they tend to play a lot of games with the customers and provide erroneous information to string them along. My account last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Credit bureaus are telling me that Newrez did not disclose to them that Newrez did indeed receive a partial payment within the normal time frame for the month of XX/XX/year>. That partial* payment was actually a full payment less the PMI fee. 
Newrez 's reporting was misleading where it didn't acknowledge that it did receive indeed customer 's money and was holding it ; Newrez didn't return the payment because it was missing the PMI fee. Therefore, Newrez 's reporting was not truthful and it is problematic. 


*Newrez is refusing to acknowledge the fact that the payment was only missing the PMI fee for a reason debated before. Newrez is cleverly clinging to the term " partial payment '' regardless.

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 2025-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Equifax for Failure to Investigate Credit Report Dispute Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax Information Services LLC for failing to properly investigate inaccuracies on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have previously submitted disputes on XX/XX/scrub>XXXX XXXX XXXX  to Equifax regarding incorrect information on my credit report account named XXXX XXXX XXXX, yet instead of investigating the inaccuracies, Equifax has engaged in stall tactics by repeatedly requesting unnecessary and sensitive documents. These requests for additional identification are unwarranted, as Equifax already possesses sufficient information to verify my identity and conduct the required investigation. 

Issues of Concern : Failure to Investigate : Equifax has ignored my previous dispute and has not taken steps to correct the inaccurate information. 
Unwarranted Requests for Sensitive Documents : Despite being provided with all necessary details, Equifax continues to demand sensitive documents ( such as my Social Security card, pay stubs, and utility bills ) as a condition to process my dispute. This appears to be a deliberate delay tactic. 
Violation of FCRA : Under the FCRA, Equifax is legally required to investigate my dispute within 30 days of receiving it. Their failure to act is a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
FASFA constantly harassing me. Company has not updated credit report as told.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
You just need to requested the like 12 phone calls I made on XX/XX/XXXX and unhelpful they were and did nothing to fix the issue and this is a issue that has been going on since the account was open by my wife and i

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 monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$4300.00} I request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report. 

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws.

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay. 

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I noticed that my credit report changed last year and was distressed as I have good credit. I logged in to see my credit report and noticed XXXX Department of Education on my credit. I called to dispute and the loan was taken out AFTER I graduated. I utilized my GI Bill and cash for college. I never took out a loan. I have my taxes to prove this. When I disputed with the credit agency, someone paid down the balance and the credit Union said I could not dispute unless it was negatively affecting my credit.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
Upstart Network Inc. acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a XXXX  XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. Upstart reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
XXXX & XXXX bought the debt for my XXXX credit card. I am enrolled in a debt settlement company and we were trying to settle the account with XXXX and my debt settlement company found out it was sold to XXXX and XXXX. We immediately contacted them and started putting our efforts towards working on a settlement with them directly. It took my debt settlement company sending a power of attorney XXXX times, before they finally processed it, to speak with them. They finally received a settlement offer from XXXX and XXXX on XX/XX/XXXX. They ran it by me, I agreed to it, and the settlement company asked them to send over the final settlement offer so that we can upload and sign it to activate the escrow funds being used to pay the settlement. They still have not sent this document. No one answers the phone. The email they gave me doesnt respond. I am a high risk XXXX and XXXX XXXX. I should not have to be following up daily on this. Its very simple. They sent the offer, we all agreed to it. now we just need the document to sign. I dont know where the disconnect is, but this has happened before. And my debt settlement company always provides me proof that they reached out. We have been very proactive in trying to pay this debt back and XXXX and XXXX is unresponsive. Its not fair. I have health issues that I need to be focusing on. Its Sunday afternoon and Im XXXX  out about it because XXXX and XXXX promised the settlement document would be sent by end of day XXXX, XX/XX/XXXX, and it still hasnt been sent. My debt settlement company also reached out on XX/XX/XXXX to follow up and find out where it is. We lost {$88000.00} on a house that wasnt selling, and had financial difficulties after. We arent even out of the XXXX  financially yet, and Im still trying to pay this debt settlement. Im using money that is slated for regular expenses, to pay this debt settlement. I put money into an escrow account every month with my XXXX settlement company, all we need now is the settlement agreement so we can pay it! I have never had to beg a debt collector to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I did not give authorization for these companies to share my information or to contact me about a fraudulent debt. I am a victim of identify theft and data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I was notified by XXXX that my payment due amount for my credit builder account had increased to {$70.00}, despite my usual monthly payment being {$35.00}. According to XXXX policy, there is a XXXX grace period during which payments can be made without being reported as late or incurring additional charges. 

However, despite being within the grace period, I was informed that my balance had accumulated to {$70.00}. I contacted XXXX support to request : 1. An explanation of how the {$70.00} charge was calculated.

2. Clarification on why this charge was applied despite the grace period.

3. Assistance in switching to the {$5.00} plan immediately. 

In response, XXXX support stated that I could not switch to the {$5.00} plan until I paid the {$70.00} in full, without providing a clear explanation of how this amount was calculated or why the grace period did not prevent the increase. 

I believe that this practice is deceptive and predatory as it seems designed to force customers to pay higher amounts before allowing them to downgrade their plans. I was not informed of any potential charges or penalties prior to the due date, which makes this practice feel misleading. 

I am seeking : An adjustment of the balance to {$35.00} if the {$70.00} charge was applied in error. 
XXXX authorization to switch to the {$5.00} plan. 
An investigation into XXXX billing practices for potential violations of consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is reporting the same balances on my credit report that XXXX XXXX XXXX XXXX has I do not pay to Wells Fargo. Wells Fargo sold off my mortgage my mortgage did not start XXXX of 2008 with 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 2025-03-02 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: Credit Systems International, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Credit Systems International , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Credit Systems International , Inc., I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Credit System International , IncXXXX account number- XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find out about the fraudulent inquiries on my credit report Please remove the fraudulent inquiries from my credit report. Thank you.

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 2025-03-02 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: DE

Complaint narrative:
Statement says I have late payments but I do not. I closed the account prior.

Closed account with highest balance of {$510.00} paid off 100 %, the missed payments are affecting my score.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had signed up with Citibank during their promotion that stated I would receive {$450.00} bonus when I deposited {$6000.00} in my checking account via direct deposit. I completed my end of depositing over {$12000.00} and have not yet seen the bonus. I have called and given a case number # XXXX. I called this number XXXX about XXXX weeks ago and they said they would get back with a response by email and they havent.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hi good evening! XXXX data breach going on with the 3 companies Experian equfax transunion a lot of these late payments and wrong information on my credit report is incorrect and need to be removed 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hi good evening! XXXX data breach going on with the 3 companies Experian equfax transunion a lot of these late payments and wrong information on my credit report is incorrect and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
They constantly handle processing of my loan payments incorrectly. I have paid more than I should, so I should be paid ahead for my loans. I have autopay and they didnt process it for the month of XXXX, and now they notified me that I missed a payment!!!!! Im livid. Im paid ahead, I have autopay, I made additional payments when I have the money to do so. And now theyre messing with me and affecting my credit score. They customer service hits you with red tape and never answers a question. Im so XXXX I can not express my dissatisfaction strongly enough. Theyre taking advantage of me and messing with my credit score- Im the ideal student loan customer!!! I am paid ahead, have auto pay, and make additional payments. PLEASE help me

Company response to consumer: Closed with explanation