vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have a mortgage with PHH mortgage. XX/XX/year> I applied for a loan modification due to my XXXX. During this process, I was told by PHH mortgage that I had to make partial payments in order to qualify. PHH mortgage sent me confirmation that I was approved for the modification. After several months of partial payments, I was qualified and sent a final agreement for loan modification. After reading the modification, I noticed that there was an error on the final document. The underwriters wrote that there was a second person on the mortgage, which they confused for the seller of which I purchased the home from. I asked them to send me the document that they Reviewed that they thought showed a second person on the deed. After reviewing it and having it sent to the local title company that did my mortgage. It appears that the meaning PHH mortgage did not read the document correctly. The document that they sent was stating that the seller, XXXX XXXX is selling me the property and signing over ownership to me. Due to their incompetence, I was not able to sign the modification in the timeframe they provided. I contacted them before the due date. HPHH told me that that theyre underwriters will fix it and send me a new one just keep making the modified payments until then. I kept making my modified payment and just this last week XX/XX/year>. I was told that I was denied for not bringing it in on time. And that now my options are short sale or foreclosure. I am very concerned and stressed after reading the denial letter. I believe that theyre underwriters are incompetent and or they are trying to steal my home to sell it. Ive never missed a mortgage payment before this. I only made the modified payments because they told me thats how would qualify. I have certified documents from the title company that I am the sole owner of the property. I emailed them to the underwriters and they still denied me. Nor did they ever send me a corrected final modification to sign. I believe that they are trying to fraud and lie to from me losing my home. Please help me thank you.

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 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I refinanced my home with Rocket Mortgage on XX/XX/XXXX. At that time my home was insured with XXXX XXXX XXXX XXXX XXXX, the insurance was escrowed. Each XXXX Rocket Mortgage would pay my insurance out of escrow, this was true in XXXX, XXXX, and XXXX. In XX/XX/XXXX, about XXXX weeks prior to my insurance policy end date I switched insurance companies to XXXX with an effective date of XX/XX/XXXX, the same day the XXXX policy would expire. 
XXXX updated Rocket Mortgage and there is no issue with the new policy period however I later received a letter from Rocket Mortgage stating there was a lapse from XX/XX/XXXX through XX/XX/XXXX although this was incorrect. 
I called rocket mortgage on 6 occasions, XXXX XXXX XXXX supplied them proof of coverage from XX/XX/XXXX through XX/XX/XXXX, completely covering the incorrect lapse period. XXXX did this on THREE occasions yet despite Rocket having proof of continual coverage, they force placed a policy. Every time I call I am told yes we have proof of coverage we just need to have someone remove the the lapse information. But they never do this and continue to send me letters saying I have a lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Apparently on XX/XX/2023 Citibank Na., Best B pulled my credit for an inquiry, for what reason I don't know. I did not authorize them to perform this action for no type of reason.

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 2024-09-16 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: FL

Complaint narrative:
Subject : Dispute of Late Payment Record for Account [ XXXX XXXX XXXX XXXX ] Dear CFPB I am writing to dispute the accuracy of late payment information reported on my credit report for account [ XXXX XXXX XXXX XXXX ]. Upon reviewing my credit report, I noticed that late payments were recorded for this account. However, I have always made timely payments and have never missed a payment on this account. 

I kindly request a thorough investigation into this matter and ask that you provide documented evidence, such as billing statements or payment history, demonstrating any late payments. If you are unable to furnish such proof, I ask that you promptly update the status of these payments to reflect their true standing as on-time. 

I trust that you will handle this matter with the urgency and accuracy it requires, as credit reporting plays a crucial role in maintaining a consumer 's financial integrity. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transUnion XXXX XXXX XXXX XXXX XXXX XXXX  HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been removed.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX [ Date ] transUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been removed.

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
My id was stolen and multiple accounts were opened under my ss # I filed police reports and have sent them in. On or about XX/XX/year> I received a alert from XXXX that my XXXX score had dropped over XXXX points. After checking my credit file I saw that XXXX XXXX XXXX has put a collection notice on my report for non payment. in the amount of {$2600.00}. This is not my account i have started a dispute with XXXX and notified XXXX XXXXXXXX XXXX. I don't know what else to do I would like to have this removed from my credit file. I have all my and my wife 's bills taken out in full automatically from our checking account, we don't have a mortgage and don't carry balances on our credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-09-17 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-16 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:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-17 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: IL

Complaint narrative:
This is absolutely horrifying. These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX has been Resurrecting a FALSE DEBT by using Identity Theft of a FORGED XXXX XXXX XXXX that was never agreed to and never known to exist ; In XX/XX/XXXX - Presented a FORGED Signature lifted off a SHORT TERM AGREEMENT that was PAID. The NOTE was ACCELERATED by LENDER Countrywide XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ADMITS in XXXX to having known of the Accelerated NOTE from OVER XXXX years ago. XXXX XXXX was named on MATRIX Creditors Matrix in a Bankruptcy Filed XXXX resulting in DISCHARGE OF THAT DEBT on XXXX XXXX XXXX brought forth a NEW FORGED NOTE for a different Principal Balance claiming FALSE DEBT IS OWED knowing that no Reaffirmation Agreement and also that the MATURITY DATE is recorded as XXXX last date XX/XX/XXXX and never decelerated. On XX/XX/XXXX Filed a NOD with a false DEBT claimed OWED for either XXXX XXXX OR XXXX XXXX and NEITHER is true. I have no DEBT owed. That I filed an Identity Theft Affidavit Filed XX/XX/XXXX WITH THE XXXX XXXX XXXX as informed by a Letter received in XX/XX/XXXX ; and with the FTC for IDENTITY THEFT XXXX XXXX On XX/XX/XXXX XXXX XXXX responded that " They already determined '' there was NO FRAUD ; Despite that a FORGED disclosure was already Evidenced by A Federal Judge on XXXX ; and ADMITTED as FORGERY OF MY SIGNATURE and a Forged Note Affidavit once a new internal Loan was claimed to exist and falsely claimed to be recorded in XXXX XXXX RECORDS -- NO DEBT/LOAN is recorded and this is IDENTITY THEFT. 

XXXX XXXX has not responded to the issue of FORGERY but for claiming they " At some earlier '' point before having received the AFFIDAVIT OF FORGERY to state that they decided it was already decided where never has this been brought forth until XX/XX/XXXX AS IT DID NOT EXIST. I in XXXX, having received THAT odd response where the FORGERY WAS PROVIDED, and called XXXX and informed that I needed to FILE A POLICE REPORT with AFFIDAVIT. I am Attaching that IDENTITY THEFT AFFIDAVIT provided here. The Identity theft Affidavit.

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 2024-09-16 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act, I understand that I have the right to dispute inaccurate information on my credit report. I believe that these inquiries do not reflect my creditworthiness accurately and have the potential to hinder my financial opportunities. 
I kindly request that an investigation be conducted regarding these inquiries and that they be removed from my credit report if found to be unauthorized or inaccurate. I have attached any relevant documentation that supports my claim, including copies of my credit report highlighting the disputed inquiries.

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 2024-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed XXXX XXXX XXXX XXXX  CASE NUMBER : XXXX Bankruptcy Dates XX/XX/24, XX/XX/24, and XX/XX/24 with all credit reporting agencies. in response they verified the item as accurate, stating they verified the information with the courts. I contacted the courts and their response is attached it's clear the courts do not report to any credit reporting agencies ; therefore, their initial response verifying the item with the court was an error or fraudulent. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), and the information must be deleted Immediately. 

I'm attaching an affidavit and photo identification as proof of identity to expedite the process. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-09-16 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: KS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I have my gift card and was only able to use it once at a pump for {$5.00}. My card has a {$490.00} balance but the company has blocked me from making transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with non-monetary relief