vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX [ Todays Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Formal Complaint Against Newrez, PHH Mortgage Services for Predatory Lending & Unjust Charges Dear CFPB Complaint Resolution Team, I am submitting this formal complaint against Newrez, PHH Mortgage Services for predatory lending practices, unjustified fees, and failure to correct deceptive mortgage servicing practices. 

I have been paying a 10.5 % interest rate since 2002, despite being promised that this rate would drop after XXXX year. Newrez and its predecessor mortgage servicers never reduced my rate, leading to decades of excessive overpayment. 

Additionally, I recently received an unexplained {$3800.00} past-due balance, even though I have made all payments on time. I was never notified of this charge until now, nor have I received a clear breakdown of how it was calculated. 

Violations & Issues Failure to Reduce Interest Rate as Promised : This constitutes misrepresentation and unfair lending practices under federal regulations. 
Excessive Overpayment & Lack of Transparency : I have likely paid far beyond the original loan amount, yet Newrez has refused to account for where my payments have gone. 
Unjustified Past-Due Charge ( {$3800.00} ) : This charge appeared without notice, violating Regulation Z ( TILA ) and RESPA for failure to provide proper disclosures. 
Requested Actions by CFPB Investigate Newrez for deceptive lending and mortgage servicing violations.

Require Newrez to provide a full, detailed payment history and refund excessive interest payments.

Ensure the immediate removal of the unexplained {$3800.00} charge.

Take regulatory action to prevent further consumer harm. 
I am a XXXX homeowner, and this predatory lending has caused significant financial hardship. Please provide guidance on how I can recover my overpaid interest. 

I appreciate your prompt attention to this matter. I can be reached at ( XXXX ) XXXX or XXXX for any follow-up questions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-12 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: VA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-12 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: GA

Complaint narrative:
I have worked hard to maintain an excellent credit history. Unfortunately, like many others, I have fallen victim to identity theft, as well as data breaches involving EQUIFAX and TRANSUNION. In addition to identity theft, I have faced both professional and financial setbacks due to inaccuracies in my credit reports. The credit bureaus ' failure to conduct proper investigations and to correct or remove these inaccuracies has led me to reach out to you for assistance. I have disputed the inaccuracies listed below several times. 

Disputed Accounts : XXXX  XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. I was affected by XXXX and granted relief. 

XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early Hard Inquiries : XXXX XXXX - Duplicate inquiries XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing they have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a ) 2. Copies of all pertinent information related to these items, including but not limited to : -account statements showing the alleged default -proof of legitimate right to report this information -documentation of all dispute investigations conducted 3. Evidence that they have followed " reasonable procedures to assure maximum possible accuracy '' of the information as required by 15 U.S.C. 1681e ( b ) Please note that you under 15.U.S.C 1681i ( a ) ( 1 ), you are required to : Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) -Forward all relevant information to the furnisher -Report the results to me -Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe you must delete them from my credit report as required by the FCRA, 15 U.S.C. 1681 Additionally, please ensure that these items are marked as disputed while your investigation is pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
In XXXX and XXXX I had covid twice. I went to the XXXX room at XXXX XXXX several times. During this time I was uninsured. The XXXX XXXX XXXX was to be billed for uninsured and underinsured patients. I was also indigent and should have fallen under a financial charity program, if the hospital did not want to bill under the XXXX XXXX. Because of the fraud going on at the hospitals during this time, only ONE of my visits was billed under the covid cares act. I was turned away time and again with no treatments for what has now turned into long covid. I am now debilitated and XXXX through the hospital 's neglect and lack of any treatment for my covid. They have placed all bills with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, because they failed to treat and bill my acute covid under the Cares Act. This is just a continuation of the fraud that was perpetrated on sick covid patients in XXXX and early XXXX. Had I known the extent of the fraud going on in the hospitals then and the refusal to treat patients, I would never have set foot in their establishments.

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 2025-02-12 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting 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 non-monetary relief
Consumer complaint received 2025-02-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-12 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: TX

Complaint narrative:
I am filing a complaint against Eauifax for failing io properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Unsuccessful and slow moving changes or deletions of derogatory and inaccurate personal information related to supposed records of majority closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unsuccessful and slow moving changes or deletions of derogatory and inaccurate personal information related to supposed records of majority closed accounts

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 2025-02-12 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Good afternoon! 

I have a loan with Exeter Finance. On XXXX XXXX they repossessed the vehicle. I contacted them and made the payment to redeem the vehicle on XXXX XXXXXX/XX/XXXX. I was told to contact the 3rd party company Loss prevention to obtain the information to pick up my vehicle. I was given the phone number of XXXXXXXX XXXX XXXX XXXX. I contacted them and they do not have anyone to answer so I went on the website to make an appointment for pickup/ my VIN was not available to be found I emailed them twice and contacted the loss prevention company back to let them know I wasnt able to contact anyone. I was told I have to wait until XXXX because the Towing company was closed at XXXX and they dont open again until XXXX  XX/XX/XXXX. I called the loss prevention company back to ask how can I get my car she advised she will email the towing company as well to let them know I wasnt trying to reach them to pick up my car. I also was in contact with Exeter Finance also during this process because no one was aware of where my car was. Exeter stated that it had to be at the Tow yard because they never received confirmation that it was received at the auction at any point. I then spoke to loss prevention who told me that Exeter requested for it to be sent to the auction on XXXX ( This is after they were aware I was making a payment to retrieve my vehicle ). The loss prevention company tells me to request a take back of the vehicle from Exeter because they should have never requested for the vehicle to go to Auction. I made the request and spoke to XXXX who put the request in and she was very rude insinuating that it wasnt gon na be done but she will put it in, spoke to XXXX who stated that the request was being processed call back tomorrow to see if its back at the tow yard to speaking to XXXX XXXX who stated that the take back request is denied because they told me it could be towed to the auction. However it was towed after payment was received. I then was given the number to the auction to be told that the release was never sent to them so they could not schedule an appointment. To then being told I have to wait XXXX XXXX to even make an appointment to pick up the vehicle because it has to processed first and I will get a call when it has been done. I called exter back who stated that the vehicle shouldve been able to be picked up already. The vehicle was taken from XXXX XXXX away from my home to XXXX XXXX away after my payment was made. And now I am being inconvenienced at work due to the vehicle not being able to be picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
There was a bill sent to collections from XXXX XXXX. When I paid the bill with XXXX XXXX, there was {$1.00} remaining which XXXX XXXX said is wiped out by their service charge ( {$1.00} ) which is credited back to the account, this wiping out the balance of {$1.00}. Much to my surprise when I checked my credit report, Bonneville Collections is charging me {$9.00} of interest on the bill that was supposedly paid in full. After speaking with multiple XXXX XXXX employees, they said this should be the job of Bonneville to remove this from my credit report as I owe nothing. Ive been attempting to contact them for weeks now. XXXX XXXX has been so incredibly unhelpful, telling me that he refuses to contact XXXXXXXX XXXX on my behalf even though Ive paid my account. I do not know what else to do as every time I attempt to call them Im told if I give them my credit card number everything will be super fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 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 non-monetary relief
Consumer complaint received 2025-02-12 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: MA

Complaint narrative:
I, XXXX XXXX, am submitting this statement to report an incident of identity theft that has significantly impacted me. I recently discovered unauthorized activity involving my personal information, which was used without my knowledge or consent. 

Upon reviewing my financial and personal records, I identified fraudulent activities, e.g., unauthorized accounts opened, fraudulent transactions, misuse of Social Security Number. I did not authorize these actions, nor did I grant permission for anyone to use my identity for these purposes. 

I have taken immediate steps to secure my identity, see attached identity theft 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