vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
To whom it may concern, I am submitting a complaint against Continental Fin Co under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Continental Fin Co has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed-charged off ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent as of 30 days. I paid for a service and did not receive it. The credit protection should have made payments on my behalf. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.

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 2024-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESSES NOT ASSOCIATED WITH ME OR ARE INACCURATE XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, REFERENCE # XXXX I looked at my credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to 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 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 2024-10-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Back in XX/XX/year> I called my mortgage servicer to see what my options were for a hardship. I was soon going to be unable to make my mortgage payment of {$2700.00}. I had lost my job and had a decrease in income as a result. I was given about 3 different options but the option that seemed to suit best for me what a loan modification. The representative specifically told me ( on a recorded line ) to not make any payments during the loan modification process. I specifically as how this would affect my credit report. I was told that the account would become past due but that once the loan modification was agreed upon and complete that they would have any past due/late payments removed from my credit. They are showing that I am late in XXXX XXXX XXXX. Some of these months were months I was told not to make payments and others were month 's I was making a trial period payment of {$2500.00}. A loan modification was eventually agreed upon but the late payments have remained on my credit report. I have submitted several disputes to the tradeline on my credit report and I have reached out to the servicer but they have not removed the lates/past dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding the misleading information provided to me by representatives of Navient concerning my student loans. Over 20 years ago, I was informed that enrolling in an Income-Driven Repayment ( IDR ) plan OR an interest occurring forbearance would lead to more favorable repayment terms, including loan forgiveness after a specified period. Based on this advice, I proceeded with both plans over the time span of 20 yrs under the assumption that I would receive significant benefits, including eventual loan forgiveness.

However, despite making payments for over two decades, I have come to realize that the bulk of my payments have been applied to interest, leaving my principal balance virtually untouched. This has left me in a position where, after more than 20 years of paying, I have made no significant progress in reducing my overall loan balance. The representatives who guided me toward this plan failed to fully disclose the long-term financial consequences, including the extended duration of interest payments and the lack of meaningful reduction in my principal debt. 

I feel that I was misled into a payment strategy that has prolonged my financial burden rather than alleviating it. I am requesting a thorough review of my loan history and reconsideration of the terms provided to ensure that the information I received is aligned with fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: TX

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 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 2024-10-07 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 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:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


XXXX XXXX TRANSUNION 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! 


Delete the late payments from my consumer reports

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 2024-10-07 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:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXXSC 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. 


XXXX EXPERIAN XXXX 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! 


Delete the late payments from my consumer reports

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 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
We purchased our home in summer XXXX on a 30 year fixed conventional loan with a monthly payment of {$2800.00}. In XX/XX/XXXX we received an escrow credit check back to us in the amount of {$4800.00}, and our mortgage payment adjusted to {$2400.00}. I contacted Flagstar to verify that this was all accurate and they confirmed it was. Both the credit and the new payment. Our first new monthly payment of {$2400.00} was due in XX/XX/XXXX, which was paid, and again in XX/XX/XXXX, which was paid. I have now received another mortgage statement from Flagstar asking for a payment of {$2600.00} due in XXXX as our escrow account is now short {$980.00}, even though this same statement shows we have a balance of {$740.00} and that the minimum requirement is {$230.00}. None of this breakdown makes any sense. In our XXXX statement our escrow balance reflected {$1800.00} and our XXXX statement shows a monthly withdrawal of {$160.00}, and now our escrow payment is showing {$230.00}, of which neither justify the dent from XXXX escrow balance of {$1800.00} what so ever. I do understand that tax assessments are made and that could potentially adjust an escrow account but that is an annual occurrence and they settled that up with the credit check and adjusted the payment accordingly, or so they said. This payment should have only changed once until next years tax assessment, if thats even what is going on. Now in less than four months I have had three different mortgage payments due all on account of Flagstar calculations which do not even make sense in these statements. Let alone the now moving target that is my mortgage payment. Something is very wrong with how they are arriving at all these numbers and based on my XXXX statement after the credit check was cut back to us that I called to verify was all accurate, a significant amount of money is now missing from my escrow balance. I want an investigation into how they have arrived at all of these adjustments because none of this is making any sense.

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 2024-10-07 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing. 

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents.Please remove the inaccurate records being reported on my credit file.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
At XXXX time I THOUGHT ABOUT getting a loan to consolidate credit cards, but wasn't sure I wanted to do it. After that I was bombarded with emails & phone calls that I IGNORED as I decided not to obtain that loan. SUDDENLY, I find this company on my credit report & have no idea who it is until I do a XXXX XXXX. I NEVER agreed to any loan or any terms or amount from ANYONE! THIS NEEDS TO BE REMOVED from my credit report. It makes it appear i have more open credit than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TN

Complaint narrative:
To whom it may concern, I am submitting a complaint against XXXX XXXX XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX XXXXXXXX XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed-charged off ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent as of 30 days. I paid for a service and did not receive it. The credit protection should have made payments on my behalf. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.

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