vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I paid an escrow shortage of {$2100.00} that was assessed. I then received a notification of ANOTHER shortage in the amount of {$4900.00} on XX/XX/XXXX. When reaching out to the company it took me many phone calls before I did my own investigation and found out that the mortgage company had paid our property taxes twice, the amount was {$5100.00}. I pointed this out to the company who eventually received a refund from the city in XXXX of XXXX. The mortgage company issued a refund of {$600.00} to us a few days later on XX/XX/XXXX. I reached out to them at that point to receive a complete financial document that showed all credits and debits into the account as I don't believe the refund is sufficient, or want to see an explanation of why so much of my initial repayment of the shortage was kept when they had overpaid such a large amount in taxes that was returned to them and therefore into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
This is a follow up complaint from XX/XX/year> complaint number XXXX Due to my identity theft/ breach of identity over 18 times within 3 years, I noticed that XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX were deleted. But I also noticed that XXXX XXXX  XXXX and XXXX XXXX were not. Once again these are accounts that I do not recognize as a result of my identity being breached. I do not recognize these accounts and I would like them removed from my credit report 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 2024-11-14 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: MI

Complaint narrative:
To Whom It May Concern, The false information on my credit report comes from accounts I did not open and was created by someone stealing my identity. These accounts include : XXXXXXXX XXXX {$11000.00} credit card, XXXX XXXX XXXX {$1000.00}, mobile account, ( Transunion ) I am writing to formally dispute several accounts, collections, and hard inquiries that have appeared on my consumer credit report, which is being maintained by your agency. I do not recognize these aforementioned accounts, collections, or inquiries, and they were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and inquiries in question are a result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report complaint report number is XXXX which documents the fraudulent activity. This report has been filed with the U.S. Federal Trade Commission, confirming that the fraudulent accounts, collections, and inquiries on my credit report were not authorized by me. 

I request that you investigate these fraudulent entries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I was in bankruptcy in XXXX, due to XXXX XXXX trying to foreclose on my home. I tried making a loan payment to XXXX XXXX in XX/XX/XXXX and I was informed that they no longer serviced my loan and I should get a letter from the new servicer. A letter from XXXX XXXX was sent to my bankruptcy attorney informing me that servicing of loan was transferred to Carrington Mortgage as of XX/XX/XXXX, and that XXXX XXXX or XXXX would be the new creditor. My original loan Lender was XXXX XXXX XXXX with XXXX as the beneficiary. Since XX/XX/XXXX I have received numerous different letters from Carrington about transferring the servicing to themselves in many different ways, after many conversations through email with carrington about different topics of concern I had and asked for explanation on and they could not provide to me, I grew concerned if they actually even owned my Promissary Note. therefore I started to research through my County Recorders office on Deed of Trust filings and through MERS for assignments of my XXXX number and I found that the last entry I see in XXXX is with XXXX XXXX and my XXXX number is inactive. I believe that Carrington has been misrepresenting themselves as owner of my loan note when they actually do not. I have since requested that they stop communications with me and to provide me with a verification that I owe them a debt, by providing me with a copy of the contract or any documents showing valid purchase of my note. I just received a letter from XXXX Legal on XX/XX/XXXX NOT carrington stating that I am in foreclosure through carrington and to contact them in regards to the letter received. I am concerned that they are trying to sell my property illegally through an auction or something similar when they have no grounds to do so. I need someone to help me with all this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I am reaching out regarding an ongoing issue with inaccurate information on my credit report that remains unresolved. Despite multiple disputes requesting correction or removal, the same inaccurate information persists, with no updates made to reflect accuracy. 

This lack of action disregards the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, which mandates the need for 100 % accuracy in credit reporting. I am providing further documentation to support this dispute and request that you reinvestigate immediately, ensuring this information is either corrected or removed from my report. Additionally, please provide documentation showing that the account has been verified and updated accurately, as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized hard inquiries on my credit report violate 15 USC 1681c-2, harming my credit. Kindly delete them.

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 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I called XXXX XXXX XXXX because I kept seeing their wonderful ad on TV so I called them. I wanted my low water pressure check out. Well the salesman XXXX XXXX came over and was suggesting that get all kinds of plumbing. I was a fool because I sign for it on his XXXX. I ask XXXX XXXX to get me a copy of the work order and whatever I signed. XXXX replied I came come go over everything with you on Friday XX/XX/year>. I even ask should I call the office to make that appointment and he said no XXXX remember. So at that point all of the work had been done and XXXX XXXX never showed Upon XX/XX/year> as promised. So I still had no paperwork and the plumbing people had hammered my under the sink plumbing so hard It damaged my countertop. Next my bath tube was filling up with black water. So because I never had any paperwork and no one went over what was on the work order I called to XXXX XXXX. They offered me XXXX off my amount owed. Soon after I received a letter from XXXX XXXX XXXX XXXX and said DO NOT Fund the money to XXXX XXXX XXXX XXXX because you will be out the money since Im not satisfied with the work. I called XXXX XXXX XXXX several times and I ask them to make sure I was being recorded and I repeated the same thing DO NOT FUND The loan because your financial institution will be out of money. So I received a letter that had my loan number and the payments that I need to pay. I called XXXX XXXX XXXX and said did you find the loan and of course they did fund the loan. My complaint is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I am not paying the loan and I will be contacting each credit bureau to put this on 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 explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
am writing to dispute the following unauthorized hard inquiries that appear on my Equifax credit report. I am a victim of identity theft, and none of these inquiries were authorized by me. I am requesting that these fraudulent inquiries be immediately removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of any information related to identity theft. 

The unauthorized inquiries are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my authorization, and I request that Equifax immediately investigate and remove them from my credit report. These fraudulent inquiries are negatively impacting my credit and I trust that they will be removed as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: OH

Complaint narrative:
Mohela/XXXX  put a disaster forbearance on my account and did not request this action and want this canceled and pur back to the original status as I was not affect but hurricane disaster. I filed a complaint to mohela and my loan number is XXXX XXXX XXXX XXXX. I never authorized this they did it on there own. And didn't give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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 have been a victim of a data breach, which has resulted in unauthorized use of my personal information. Due to this breach, there are fraudulent accounts and inquiries listed on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following account and inquiry from my credit file. 
Fraudulent Account to be Deleted : XXXX XXXX  ( Account No : XXXX ) XX/XX/XXXX {$XXXX} Fraudulent Inquiry to be Removed : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I received an alert by XXXX notice of collection by XXXX XXXX XXXX for {$XXXX} aka, appliance repair specialists, I don't know who they are but someone has impersonated me. Apparently this Company is in XXXX XXXX. I tried calling them at phone listed on my report XXXX goes straight to a unlisted number. 
I have never contacted this or any Company for service they have the wrong person so I want to report them to you, Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX VIA DEALER XXXX XXXX XXXX XX/XX/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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
On XXXX I recieved a Cash APP Visa card in the mail with my name on it, that I never applied for. I call Cash APP Support on XXXX, and XXXX stated no account existed in my Name. They sent me an email with link noting case # XXXX & request photos of the card, which I did not submit since they should know what they sent me already. I asked to speak to a XXXX and was denied. I offer to provide my address & some of the card numbers, seeking to determine if a XXXX account existed for that, and they ended call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> ( XX/XX/year> ) 5. Employer : XXXX XXXX, XXXX XXXX XXXX XXXX. Florida XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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