vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Freedom Mortgage and the inconsistent, misleading, and potentially fraudulent charges on my mortgage account following a forbearance period. 

I have a mortgage with Freedom Mortgage, with a principal balance of {$230000.00}. 
After my forbearance period, Freedom Mortgage is now claiming I owe an additional {$73000.00}, but : This was never communicated to me in writing. 
It does not appear on my mortgage statements. 
I was never provided any documentation explaining how this amount was added. 

I am now in the process of selling my home to help cover my parents ' healthcare expenses, but Freedom Mortgages inconsistent and unclear statements about this additional {$73000.00} are creating confusion and hindering my ability to move forward. 

Lack of Transparency : Freedom Mortgage is not clearly explaining this additional charge - per the CARES Act states no penalties from forebearance but this seems like a penalty. Also the additional tacked on months have been included to my loan but why the {$73000.00} in addition?

Unexplained Loan Modification : They claim a modification agreement was completed in 2022, yet have not provided it to me.

If Freedom Mortgage added this amount without proper disclosure or consent, this may be a violation of the Real Estate Settlement Procedures Act ( RESPA ) and Truth in Lending Act ( TILA ).

Impeding Sale of My Home : The conflicting statements from Freedom Mortgage are delaying my home sale and creating unnecessary financial hardship.

Investigate Freedom Mortgages actions regarding this unexplained {$73000.00} balance.

Require Freedom Mortgage to provide : A detailed breakdown of how this charge was calculated.

A copy of any modification agreement they claim was done in 2022 I dont have that information.

A full payment and loan history to verify the accuracy of their claims.

Ensure Freedom Mortgage is compliant with CFPB regulations, especially regarding fair and transparent loan servicing.

Prevent any negative impact on my credit score or financial standing due to this issue.

I request that the CFPB investigate this matter urgently and require Freedom Mortgage to correct any errors and provide clear, documented communication regarding my mortgage balance.

Please confirm receipt of this complaint and advise on the next steps. Thank you for your assistance in ensuring mortgage servicers act in compliance with federal laws.

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 2025-02-05 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: VA

Complaint narrative:
I would like for Experian to provide a thorough investigation into my credit report disputes. Per their current lawsuit, my past inquiries were not investigated and they have violated my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This complaint is being filed as a second complaint against a debt collector called Medical Data Systems regarding an additional account they furnished to my credit reports. I want a response from the company regarding my notice of debt validation which will be attached to this complaint. This company is reporting to my consumer reports alleged medical debt that was recently banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom this may concern, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue concerning the reporting of student loans on my credit report. I believe that the information currently included in my credit report violates the provisions of the Family Educational Rights and Privacy Act ( FERPA ), and I am formally requesting its removal.

FERPA, enacted in 1974, is a federal law designed to protect the privacy of student education records. The law applies to any public or private elementary, secondary, or post-secondary school, and it grants certain rights to parents and eligible students regarding the access and disclosure of student records.

Specifically, 20 USC 1232g ( b ) of FERPA restricts the disclosure of personally identifiable information from education records without the consent of the student, except under limited circumstances. I assert my rights under FERPA to control the disclosure of my education records, including any information related to student loans.

Upon reviewing my credit report, I have observed that certain student loan information is being reported. Below are the details of the student loan accounts that I believe may be in violation of FERPA, as the information is derived from my education records and has been disclosed without my explicit consent : Account Name : DEPT OF EDUCATIONXX/XX/XXXX Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$23000.00} Monthly Payment : {$270.00} Original Balance : {$8900.00} Terms : 120 Months Account Name : DEPT OF EDUCATIONXX/XX/XXXXAccount Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1400.00} Monthly Payment : {$16.00} Original Balance : {$970.00} Terms : 120 Months Account Name : DEPT OF EDUCATION/XX/XX/XXXX Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1000.00} Monthly Payment : {$12.00} Original Balance : {$760.00} Terms : 120 Months In light of the above, I formally request that your company promptly investigate and remove any student loan information from my credit report that may be in violation of FERPA. I trust that your company will adhere to the legal requirements and promptly correct any inaccuracies.

I appreciate your prompt attention to this matter and request written confirmation once the necessary corrections have been made to my credit report in compliance with FERPA. 

Thank you for your cooperation and adherence to the laws that protect student privacy and educational records. 

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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is not the first time it happened. 

Chase closed my checking account and all my credit cards back in XXXX. So I do not back with this company. I only do a credit card due to United Air points. 

They closed my Credit card in XXXX ( I do not remember the exact time and date ), which I did not care about since I use AA. I still do. 

I applied for United Air CC, which is Chase again. The reason why is United Air is opening a route to my country in XXXX. So I could take advantage of the points. They approved me for a {$15000.00} credit line. I got the credit card. Chase closed it again as of XX/XX/XXXX. The letter cites that " because of your association with a Chase credit card, deposit or investment account that was previously closed ''. 

I would like to know the association I had with Chase before that triggered the closing of my accounts not once but three times. I am 200 % sure that I did not have bad credit or unresolved balance issues. I know for sure they closed mine at the same time Chase closed my father 's account at the same time when it happened first. I did not understand why. We are two different people with two different finances. I am determined this time to find out what it is and if I have to take legal action I am ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am writing to notify you that I am a victim of a data breach, and as such, I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts have been fraudulently added to my credit file : ACCOUNTS : XX/XX/XXXX - XXXX - XX/XX/XXXX - {$13000.00} XX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$4100.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$1600.00} Additionally, the following inquiry appears on my credit file, which I did not authorize : INQUIRIES :XX/XX/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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
XX/XX/XXXX I should have received a refund instead. It went to the card and showed a negative balance. I contacted synchrony bank and told them I would like the. Refund, put into my account. They said they could only process a check and mail it to me. 2 weeks go by, I call them again. They say that they didn't process it to like the XXXX. And then I should have received it by the XXXX of the XXXX. 
I never received it as of the XXXX of XXXX. After calling them again. They said it will take another 7 to 15 days to redo it. And if it happens again it will be a nother 7 to 15 days and so on. To me this is unacceptable

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: FL

Complaint narrative:
I had two credit cards with XXXX XXXXXX/XX/XXXX When I went to the XXXXXX/XX/XXXX XX/XX/XXXX for my debt consolidation, they closed both of my accounts. My accounts have been closed since XXXX off last year, yet they continue to charge me payments.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts Information : XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Incorrect reporting, derogatory charge-off status inaccurate. 
Relevant Law : FCRA 1681e ( b ) - Accuracy of Information. 

XXXXXX/XX/XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Inaccurate status listed as paid, balance still inaccurately reported. 
Relevant Law : FCRA 1681g ( a ) - Disclosures to Consumers. 

XXXX XXXX ( 1st Account ) REPORTED MULTIPLE TIMES!! 
Account Number : XXXX Reason for Removal : Incorrect reporting of a paid account as derogatory, violating consumer dispute resolution guidelines. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XXXX XXXX ( 2nd Account ) Account Number : XXXX Reason for Removal : Derogatory charge-off status without proper validation and dispute resolution. 
Relevant Law : FCRA 1681s-2 ( a ) - Responsibilities of Furnishers of Information . 

XXXX XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off and collection status without proper validation. 
Relevant Law : Deletion of Collections 15 U.S. Code 1692 ( g ). 

XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information.

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 2025-02-04 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: NJ

Complaint narrative:
I am following up on my previous dispute, which I submitted last month regarding a fraudulent account and inaccuracies in my personal information on my consumer report. Despite providing clear evidence and detailed explanations of the inaccuracies, the disputed negative accounts remain on my new report without any changes. Under federal law, consumers are entitled to a fair and thorough investigation of disputes. Your agency has failed to comply with 15 USC 1681i ( 7 ), which requires a detailed description of the procedures used to verify the disputed information. I am requesting a detailed Method of Verification ( MOV ) for each disputed item, as required under 15 USC 1681i ( 7 ). Specifically, I need the name, address, and phone number of the information furnisher ( s ) involved, along with the name and title of the person ( s ) contacted during your investigation. Additionally, I request any supporting documentation, such as the original contract containing my signature, and a clear explanation of the procedures your agency follows to ensure accuracy under 15 USC 1681e ( b ). This information must be provided within 15 days of receiving this request, or you will be in direct violation of federal law, requiring immediate deletion of the disputed items. One specific disputed item is the fraudulent and unauthorized account with XX/XX/XXXX, Account Number : XXXX. I did not authorize this account and it does not reflect any legitimate transaction involving me. Under 15 USC 1681c-2, I am entitled to the removal of items resulting from identity theft. I have already provided sufficient documentation, and you are required to block and delete this item within four business days of receiving the evidence. This ongoing failure to comply with federal law has caused me significant emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-04 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 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. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 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. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX/1025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Dear, CFPB Subject : Request for Correction of Credit Score Due to Inaccurate Reporting I am writing to formally express my concern regarding an error in my credit report that has adversely affected my credit score. I have always maintained a perfect payment history on my credit card account with XXXX. However, I was dismayed to discover that my credit score has recently dropped, despite my consistent and timely payments. 

On XX/XX/scrub>, 2025, I noticed a significant decrease of XXXX points in my credit score, which I believe is directly related to the inaccurate reporting of my account status. This drop is particularly troubling given that I have never missed a payment on this account and have always adhered to the agreed-upon terms. It is disheartening that my score has dropped due to a positive payment history account.

This situation has severely impacted my ability to secure a rental property, as I am currently facing challenges in obtaining a place to rent at the end of XX/XX/scrub> 2025. The negative change in my credit score has made it difficult for me to present myself as a qualified tenant, which is causing undue stress and hardship. 

I have already contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, and I kindly request that Experian conduct a thorough review to rectify this error. It is essential for my credit report to accurately reflect my payment history and account status, as this directly affects my financial well-being and housing situation. 

Please let me know the steps you will take to resolve this issue and restore my credit score to its rightful status. I appreciate your prompt attention to this matter and look forward to your timely response. 

Thank you for your cooperation. 

Sincerely,

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