vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Failure to fully respond to QWR Loan Number : XXXX On XX/XX/XXXX : The servicer received my request On XX/XX/XXXX : The servicer partially responded to my request ( as seen in the attachments " PHH QWR Response '' ) These are the following issues : 1. Failure to Provide a Payoff Quote : The servicers refusal to provide a payoff quote because the account was paid in full could be seen as inadequate if the original request sought historical records, including a detailed breakdown of how the payoff was calculated. Under RESPA, the servicer is still obligated to provide me with relevant servicing records and should not dismiss a QWR without addressing all aspects of the request. 

2. Acknowledgment of Successor-in-Interest ( SII ) Rights : While the servicer acknowledges my successor-in-interest status, it emphasizes that successors are not personally liable for the mortgage debt. This statement aligns with federal law but does not absolve the servicer from providing requested servicing documents if I ( the successor ) act as the personal representative of the estate. 

XXXX. Partial Response : The servicer 's response letter states that a separate response will address the remaining queries. Under RESPA, the servicer must respond to a QWR within 30 business days, and partial responses do not satisfy this obligation. As of the date of my CFPB complaint ( XXXX more than two months later ) the servicer still has not address the remaining queries of my request. 

4. Directive to Write for Mortgage Documents : Directing me ( the requester ) to write to another department for copies of documents ( as seen in the attached response letter " PHH QWR Response '' ) can be viewed as delaying tactics. The original QWR likely requested servicing records, including mortgage and collateral documents, which should be provided directly without requiring additional steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I have requested debt validation from this company and havent received any response 30 days has passed and the debt hasnt been removed and is still reporting negatively to my credit I have yet to be given documentation that proves this company is allowed to collect on this debt the original debt amount and creditor and proof the debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
Need to revisit complaint XXXX I have been trying to I handle this issue and need The Moore Law Group to provide clear details on how to sign and where to send back documents for settlement. I Called in XXXX and spoke with XXXX XXXX at XXXX XXXX. She advise to I make a payment online and said if I dont have a bank that i can use someone else info to send payment. They are suing me in a city and county Ive never lived in and also i stated on the phone call that i was homeless and dont have address The Moore Law Group is saying i did not want to prove a address which is false. I chose the 2nd option which is the pay the {$110.00} for 24 months. they closed out both complaints Vis CFPB & XXXX which is not allowing me to ask how to sign documents and send them back and also XXXX Stated she has to send documents out that need to be signed in 10 days and i still havent received those documents. It feels like The Moore Law Group is trying to trip me up with the dates and not giving me enough time to respond. They Responded to the Complaint via CFPB XX/XX/year> which is 4 days after the date they wanted payment sent and also closed out the other Complaint i filed with The XXXX  XX/XX/XXXX. I am not able to respond being these are not apps that you get alerts fast. I sent a payment as advised by XXXX XXXX XX/XX/XXXX and they have not took payment from account yet. I have called 3 times and been on hold each time for 30-45 mins.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-06 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: GA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was robbed in XXXX XXXX, XXXX on XX/XX/year>. Two kids asked me to donate for their basketball team and I said yes. They proceeded to show me their team website and XXXX and asked if I had XXXX. I said yes and opened up my account, they grabbed my phone out of my hand and sent all my money to themselves. However, they acted as if they were looking for the email to send money to. When they handed my phone back to me, they said they could not find it and wanted me to try. They began reciting the email to me and I began to type it out and they RAN. When I got out of the XXXX portion on my account I saw {$1700.00} was gone and sent to a person. I then called my bank and the police. Chase has looked into the issue and will not do anything because they have limits. At one point, even asked me to go to the recipient to retrieve my money back which is absolutely ridiculous. The police are working on this case now, it is an ongoing scam in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts were deleted earlier but have been added back without my awareness. I was neither informed of their return nor received any mail correspondence regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Information was disputed and removed from my XXXX and XXXX credit reports. Open date is incorrect. It should be XX/XX/year> instead of XX/XX/year>. Account was sent to collections without my wet signature or notifying me. Account was charged off as a profit loss to company but I never received a 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened two accounts with TD Bank a checking account and a savings account under promotional offers. 

Checking Account : The promotion offered a {$400.00} bonus for setting up direct deposits within a specific time frame. I set up direct deposits and fulfilled the stated requirements. The account continues to receive direct deposits.

Savings Account : The promotion offered a {$200.00} bonus for maintaining a balance of {$10000.00} for 90 days after the XXXX day of account opening. I maintained this balance and met the stated requirements. 
Despite fulfilling these requirements, I have not received confirmation from TD Bank regarding my eligibility for these promotions or when the bonuses will be deposited. 

Timeline of Events : Today, XX/XX/XXXX, I called TD Bank customer service to confirm whether I met the promotion requirements and to ask when the bonuses would be deposited. 
The representative informed me they could not confirm my eligibility. I was told that eligibility reviews are conducted by a third-party company, but no verification can be initiated until 180 days after account opening. 
I escalated the call to a supervisor, who reiterated the same information. The supervisor also stated they could not see the specific promotion code associated with my accounts, making it impossible to confirm the terms and conditions or my eligibility. 
I requested a complaint to be filed, and the supervisor stated that they would do so. However, they also informed me that the complaint would only involve reviewing the audio of the call and that I would not be contacted regarding the outcome. 

Issues Encountered : TD Bank representatives could not verify the promotion codes tied to my accounts or the specific terms and conditions. 
The inability to request a review with the third-party company until after 180 days is unreasonable and creates unnecessary uncertainty. 
I fulfilled the stated requirements for both promotions, but TD Bank has failed to provide transparency or confirm my eligibility. 
As a customer, I should have a way to verify that I met the promotional requirements and know when I can expect the bonuses. This lack of transparency and delayed resolution seems like a deliberate attempt to withhold promotional funds. 

Actions Taken : I complied with all requirements for the promotions as stated at the time of account opening. 
I contacted customer service and escalated the matter to a supervisor. 
I requested confirmation of my eligibility and asked for a complaint to be filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HarrisLoftus, PLLC
State: GA

Complaint narrative:
A judgement was filed against me in the XXXX XXXX XXXX in XXXX of XXXX. The relative case number is XXXX. The debt collection Attorney retained by the lender is Harris Loftus PLLC from XXXX, XXXX Harris Loftus issued a garnishment order XX/XX/XXXX. The total debt including interest and legal fees was {$4100.00}. 
In early XXXX I contacted Harris Loftus PLLC and spoke with XXXX and reached a settlement amount of {$3800.00} to cure the debt. 

On XX/XX/XXXX, of XXXX I contacted Harris Loftus PLLC and issued a payment of {$3800.00}. I was told that I would be sent a settlement letter, that the garnishment would be released and that if my pay was garnished beyond the settlement amount, that I would be issued a check to reimburse me for the overage. 

It is now XX/XX/XXXX, of XXXX and I have not received a settlement letter, however I do have bank records to prove that payment was issued to Harris Loftus PLLC. My employer has not received the garnishment release and I have not received reimbursement for the amount garnished beyond the final settlement amount. 

In addition to the {$3800.00} that I paid to cure the debt, {$1000.00} was garnished from my pay. The settlement payment and the garnishment amount combined exceed the total debt amount of {$4100.00}. 

The overpayment and the continuing garnishment are all a result of delays by Harris Loftus PLLC. These delays have created a financial hardship for me that has made it very difficult for me to cover my living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was doing a credit sweep with the ( XXXX ) credit bureaus that's out there. I took a notice of XXXX bureau in particular. TransUnion in particular. TransUnion is reporting that I'm incarcerated when I'm not. It is against the Fair Credit Reporting Act to report false information on a consumers 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 non-monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Trans union My credit score dropped XXXX points for no reason Nothing has changed.They agree nothing is changed!!!! 
Score is now XXXX Last month was XXXX I inquired about it with the company today XX/XX/XXXX, and they can find no reason for the sudden drop I asked them to correct it They refused

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 2025-01-06 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: FL

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation