vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Backstory/What happened : -We purchased our home in Wisconsin in XXXX , using the VA Loan Program . My wife is XXXX and I am a XXXX XXXX Veteran, serving over 13 years. In Wisconsin, we are legally able to select how our taxes are paid. 
-Our taxes for the last few years have been set up to be paid in installments, in XXXX and XXXX. 
XXXX XXXX, XXXX, Mr CooperXXXX XXXX paid our entire XXXX Tax Bill incorrectly in the amount of {$3200.00}, instead of the actual installment amount of {$1600.00} -Our XX/XX/XXXX Escrow Review Statement/Escrow Account Projections for XX/XX/XXXX to XX/XX/XXXX show a tax installment scheduled to be paid in XX/XX/XXXX and XX/XX/XXXX. 
-Disbursements were made for a XXXX XXXX for {$1500.00}, XX/XX/XXXX for {$1600.00}, and on XX/XX/XXXX an incorrect amount of {$3200.00}. XX/XX/XXXX should have been in the amount of {$1600.00} -The error by Mr CooperXXXX XXXX caused our Escrow account to go into the negative. 
-The error by Mr CooperXXXX XXXX made our Escrow Analysis incorrect because it was not calculated on correct numbers. 
-After the Escrow Analysis on XX/XX/XXXX it showed a shortage of {$2000.00}. The error by Mr CooperXXXX XXXX is penalizing us and causing our mortgage payment to increase by {$200.00} per month. 
-The error by Mr CooperXXXX XXXX will cause us undue hardship . 
-Mr CooperXXXX XXXX changed how our taxes are paid without obtaining our permission or notifying us before doing so. 
-Mr Cooper representatives have acknowledged that XXXX XXXX switched how our taxes are paid to Annual from Installments on XX/XX/XXXX, without permission or notification. They then changed it back to Semi Annual on XX/XX/XXXX, but then still paid it as annual on XX/XX/XXXX, resulting in the error. 

How we have tried to resolve this : -We began calling Mr Cooper on XX/XX/XXXX at XXXX when we found they paid the incorrect amount. Below is a list of date and times we have called Mr Cooper. We have spoken with 14 different Mr Cooper representatives, escalation specialists, and managers to date : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX online chat ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ( incoming from XXXX ) ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX email exchange with Manager. 
-They have only offered call backs from escalation specialists and managers with no response, causing us to reach out again and again. 
-Mr Cooper representatives have on several occasions told us to ask our county tax office for a refund instead of fixing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$2900.00}

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 2025-02-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to the furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to the furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
It says I owe {$63.00} dollars. My information was exposed through a breach through Equifax. They compromised my information I would like for them to delete the account off of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as Follows : 1. XXXX XXXX XXXX {$1400.00} I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 
I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed. 
2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and sup evidence, to this complaint for your review. 
+ Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 
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 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> my savings account at Capital One was suddenly closed without notifying me in advance. This account had been active and in good standing for many years and had 3 account holders. I went to the bank to inquire, and I was told that this particular type of account " savings now '' was being phased out and automatically merged into a new account " savings XXXX '' but because there was " missing information '' in the account, this merger could not be made automatically, and their policy was to close it. They claim they sent me a notification via mail months before ( not true ) about their intention to close the account. This has caused financial hardship as I did not realize the account had been closed until the XXXX, and I had transferred money for rent and credit card payments into the account on the XXXX ( after it was closed ) which resulted in delays and fees for these late payments. The bank assured me that the account was not closed because of any suspicious activity or wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
Im writing to formally dispute an account on my credit report that I believe was opened through unauthorized and fraudulent use of my identity. This account does not belong to me, and I did not give consent for it to be opened or used in any way.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America mailed me a credit card, but before I received and activated it, an unauthorized purchase of {$1200.00} was made at an XXXX XXXX in XXXX, PA. 
After I reported the issue, the bank assured me they would investigate. 
However, they later denied my dispute without providing any evidence that I had activated or used the card.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I request that the credit bureaus update the account status for XXXX to accurately reflect the resolution of the debt as 'Paid in Full ' or 'Settled ' with a {$0.00} balance. The current status of 'Closed. {$250.00} written off ' is incorrect and does not reflect the payment made on XX/XX/2025, to XXXX XXXX XXXX, the current owner of the debt.

I made complete payment and have evidence.

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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


PORTFOLIO RECOVERY ASSOCIATES XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding identity theft that has severely impacted my financial stability and overall well-being. This situation has been exceptionally challenging due to my medical condition and the significant hardships my family and I have endured as a result. 

I have XXXX XXXX, XXXX XXXX XXXX XXXX and ability to promptly monitor and respond to financial matters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identity theft has significantly affected my credit, preventing me from qualifying for a new, more accessible home that would greatly improve my quality of life. 

During the onset of the XXXX pandemic, my high-risk health status required strict isolation. Additionally, I was solely responsible for overseeing the online education of our XXXX children, while my husband was the sole provider for our family. 

Unbeknownst to us, fraudulent activities were occurring in my name. The accumulation of unexplained debt forced my husband and me to file for bankruptcy, which we now realize was the direct result of identity theft. Despite taking steps to address this issue, I continue to face significant difficulties, including unauthorized accounts and debts associated with XXXX XXXX, Equifax, XXXX XXXX XXXX, and Experian. 

These ongoing issues have had a profound effect on my familys quality of life. The fraudulent activities have hindered our ability to purchase a new, accessible homea critical need due to the challenges posed XXXX XXXX XXXX in our current two-story residence. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating these matters and holding the responsible parties accountable. I am seeking your support to rectify the fraudulent accounts and debts that continue to cause undue hardship for my family. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation needed to support my complaint. 

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
XXXX XXXX XXXX for XXXX years lease have been trying to collect property taxes, after the affidavit for the term of the lease was sent, by XXXX and by email to the XXXX XXXX XXXX XXXX. XXXX has been trying yearly, either trying to commit fraud against the customer, or due to repetitive negligence by the personnel. Now after a year of ending the lease, they are again trying to unlawfully collect the taxes after the turn in settlement invoice was paid, and sending an extra one trying to collect amounts not owed, according to the State of Texas Law. Removal and correct application, for the exception to vehicles used for personal purposes was never present during the lease, and this company is negligent and breaches the FCRA, and the Law for the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
According to FCRA Section XXXX ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activity, ensuring action within four business days from receipt of such notification.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-06 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:
Ive requested verified documentation of the information being reported on my credit report to only receive false investigation results and letters attempting to stall my request, Ive sent via certified mail documents to XXXX including signed statements, request to remove false information along with my photo ID and a letter from my mortgage company to verify my address and full social security number. Ive received over five letters back saying they believe I did not request the investigation and Ive responded several times saying it was me who submitted the request. TransUnion is not following FCRA guidelines with proper investigations and has deliberately stalled my disputes causing my score to decrease and cause me to be denied credit. They have also denied me access to the documentation that these creditors are reporting to my credit report. I want factual evidence of the accounts Ive disputed from the original creditors on my credit report that it is being reported correctly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Office of the Attorney General reported my child support to Experian which is unlawful according to the FACT act of XXXX which does not permit reporting anything that did not originate from a credit transaction. Experian is in violation of XXXX USC XXXX ( a ) ( c ) ( 2 ) which requires permissible purpose from the consumer to report anything on the consumers 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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief