vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
From the outset of my efforts to refinance my duplex with NAFinc, I advised them that I did not retain copies of my tax returns beyond the 1040 signature page. Nonetheless, they insisted I provide copies from my CPA which contained errors even obvious ones with my SS #. Such copies were incorrect, never filed with the IRS and were not the actual, authentic returns. I simply retained them for future reference when I dismissed my CPA. 

XXXX used the unfiled, incorrect and unofficial returns as a basis for insisting that amended returns be filed. Thereafter, they asserted that due to CPA errors the Investor Guidelines did not allow them to accept the IRS tax transcripts when I ultimately provided those in an effort to expedite closing. 

I repeatedly advised XXXX that there were no copies of what I actually filed and that their use of CPA copies was improper, irrelevant and flat out wrong. Pivotal to these exchanges was the fact that the IRS accepted my corrected returns, did not require amended returns and issued me a refund! My point of contention with NAFinc was their improper use of copies NEVER filed and their insistence that returns be amended when no such requirement was imposed by the IRS. 

Their new assertion that I did not qualify for a loan is fallacious. In fact, when I specifically requested a denial letter, after standing firm in refusal to amend returns, they would not provide such a letter. Instead on XX/XX/XXXX, I was told my loan was APPROVED subject only to the amended returns. 

I made every attempt to move the controversy out of the hands of XXXX Underwriting Dept by writing to their General Counsel then finally wrapping in one of the co-owners. But, they did not appreciate the problem and passed it off to a customer service person who simply regurgitated what the underwriters ( who were wrong ) told her. I have emails from all concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
This account is over XXXX old and is still showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortage debited my XXXX account for a mortgage referenced XXXX for XXXX on XX/XX/year>. It is not my mortgage and no one on my end authorized this payment. When i inquired through my bank they sent me to XXXX XXXX because that is where the ACH transaction happened. XXXX XXXX then sent me to Freedom Mortgage to explain that this was a mistaken transaction. Freedom mortgage operator number XXXX basically told me there is nothing they can do. They did admit that the mortgage number is theirs but since my name is not on the mortgage they couldn't talk to me. File a dispute with my bank and close the account and start a new one. I explained that was an unacceptable answer. I then asked why they couldn't look into the transaction on their end. I was told that was impossible. I then asked for a supervisor and was told to have a nice day and they hung up on me.

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 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I suddenly received multiple bills from XXXX ( XXXX XXXX  XXXX XXXX ) AND RTR Financial services Inc. with no explanation of services or dates of service. One very large bill for {$1800.00} was from 7 years ago when my son was in the hospital. I never received that bill or any bills until this year. I finally after several requests got an itemized receipt for that bill. Are companies allowed to suddenly bill you after many years or is there a statute of limitations? Its a financial shock to receive multiple bills in the thousands of dollars at once. I hope the consumer has some rights here! 

I also received 3 other bills with no explanation of services or dates. I have called and spoken to the billing department of both companies many many times requesting itemized bills. I did pay one of the bills in the amount of {$440.00} because they did send an explanation of services with corresponding dates and i thought I was responsible. However Im still waiting on itemized bills for a {$640.00} bill and a {$340.00} bill. I have spoken to the companies about a dozen times. I dont want this to affect my credit but I think these companies are operating unjustly. I would appreciate advice and assistance as to my rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I am writing to file a complaint against TransUnion regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with TransUnion, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized 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 explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I was told by XXXX that my students loans were eligible for.complete forgiveness. Instead they got consolidated and sent over to another servicer. I was not aware of this information that my loans were transferred instead of forgiveness. I looked on the FSA website and showed all my loans were paid in full. Well in XX/XX/XXXX l get a letter stating that my loans have been consolidated and that l needed to make a XXXX loan payment on the XXXX of XXXX. I called MOHELA and told them I was not aware that l had consolidated my student loans and that l was on a fixed income l only receive XXXX a month from Social security they did not care about what my financial status were. They reported it to the credit bureaus that l owed XXXX and caused me not to be able to get my home refinance because l had this big student loan debt. I have called to see if they would changed the status as paid or delete it off my credit in order for me to get this loan for my home to get refinance. They told me no one representative name XXXX and XXXX representative both got smart with me and said why did l borrow the money knowing that I couldn't pay it back. That l had no intentions of ever paying it and that they would note my account refusal to pay loan and make sure that l don't get my home refinance. All l was asking for was a good faith deletion. I am XXXX XXXX XXXX l am on a fixed income. My home is falling apart l have no heat no air. I need a new roof from storm damage my insurance company wouldn't pay for it. I have rotted poles on my home. This is why l was trying to get my home refinance because of the information on my credit making my debt to ratio too high l can't get my home refinance. I am asking for help to see if l can get a good faith deletion of the MOHELA student loan on my credit which is inaccurate and was transferred to them without my knowledge instead of being forgiven or cancelled as promised. I am asking for a relief or this to be granted immediately. They are not willing to help only to tell me there's nothing they can do about it. But to pay my account off to get the loan. Are they serious if l had the money to get my house redone l wouldn't be asking them for a good faith deletion l would pay the account with no problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
I request that you stop and remove these incorrect accounts reported on my credit report. It is important that this is handled as quickly as possible.

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 2024-09-25 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: OH

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed.

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.

Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NH

Complaint narrative:
I was served in hand by a Sheriff that I needed to go to court against Jefferson Capital Systems. I had no clue was this was for, I tried to call the company twice. The first person said they couldn't discuss anything with me. ( He never even asked for my information ) the second time I called I left a voicemail for XXXX XXXX XXXX, which her name appears on the small claims notice of hearing. No call back from XXXX so I went to court. When the lawyer for Jefferson Capital called me into a room he wanted my financial information, I told him I needed more information on who the debit collector was, because this is the first time I am hearing about it. He got very aggressive and said that can not be done at this time because a judgement had been issues. ( No idea what that meant at the time ) We go and see the judge, she can see I was apparently mailed information in XXXX of XXXX  and nothing was undelivered. I have received no communication from Jefferson Capital Systems, no mail, no email, no phone calls. This court document has my maiden name on it which I have been married over 10 years. They are asking for $ XXXX but have not provided any documents I have asked her. The lawyer in court said he didn't think he could find the paperwork because it has was bought from another company that is out of business. If it was bought from another company, don't all the files go with it? Since this was entered into judgement, who saw proof of this debit? I have not had a chance to see any documents before being asked for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: PA

Complaint narrative:
I am a victim XXXX XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-09-25 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: AZ

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-25 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX account number : # XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of every individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-25 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: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation