vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
b'I am a XXXX XXXX  veteran and legally exempt from paying property taxes under Texas Tax Code 11.131. I was officially approved for the exemption by the XXXX XXXX XXXX XXXX  effective XXXX XXXX XXXX. I submitted my exemption letter to Carrington Mortgage Services on XXXX XXXX XXXXDespite receiving this legal documentation, Carrington has failed to adjust my escrow account and continues to collect funds for property taxes I do not owe. I have been given multiple shifting dates with no resolution. I was told the issue would be addressed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and now most recently, a letter I received on XXXX XXXX states they will respond by XXXX XXXX XXXXI filed a formal complaint with the Texas Department of Savings and Mortgage Lending (Case No. XXXX). An investigator confirmed that Carrington is required to respond to the state by XXXX XXXX XXXX  To protect my federal rights, I also sent a Qualified Written Request (QWR) under RESPA to Carrington on XXXX XXXX XXXX via Certified Mail with Return Receipt.\n\nCertified Mail Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXXReturn Receipt Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXXEstimated Delivery Date: XXXX XXXX XXXXnAdditionally, because Carrington failed to reduce my mortgage payments to reflect the exemption, Ive been charged inflated late fees. I get paid on the fourth Wednesday of each month, and while I have occasionally paid slightly late, the late fees are calculated based on a payment that includes property taxes I am exempt from. For example, my XXXX XXXX late fee was XXXX  higher than it should have been.XXXX XXXX XXXX I received a new letter from Carrington stating they now anticipate a response by XXXX XXXX XXXX   continuing a pattern of moving the goalposts and delaying resolution.\n\nOther agency involvement:\n\n- Complaint filed with Texas Department of Savings and Mortgage Lending XXXX XXXX XXXXn- Investigator: XXXX XXXX XXXX\n- Carrington must respond to XXXXL by XXXX XXXX XXXXhis case reflects ongoing financial harm and what appears to be intentional delay and mismanagement by Carrington Mortgage Services. I am requesting the CFPBs assistance in ensuring Carrington complies with state and federal law and immediately corrects my account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MOHELA
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and 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 2025-05-24 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$14000.00} Date Opened : XX/XX/2019 Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I disputed the validity of this XXXX debt. The account was opened on XX/XX/year> without my permission. I was not provided the original request for credit from the original creditor or the sales contract buying my personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I first took out a loan from title max. The interest rates our outrageous and I wasn't aware of their practices. I am still paying on the loan. My last loan was renewed on XX/XX/year> in the amount of {$4900.00} and the Total amount of payments amount is {$5700.00}. I have gone into the store to make payment and for example, I have paid over a {$1000.00} and my amount was not changing, the amount stayed the same. I enquired about this and spoke with a representative name XXXX, and she no longer work there. She told me that it stayed the same because I didn't pay the interest. The interest should have been taken out of the amount that was paid. 

I have payment due, and I noticed that yesterday it was {$820.00} dollars and today the payment amount is {$890.00}. It will continue to go up until I make the payment next week. This is outrageous. I am never going to be able to get my title with the interest rates. 
Also, I travel for work and was told by the representative at the store that I could not make an online payment while, I am in another state, and I needed to have someone else set up my account so they can pay online for me. This is a HIPPA violation. I wouldn't want anyone getting my social security number and other personal information. This is a private matter and personal business that I don't someone knowing my business. 

This company practices are unethical business practices,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2025-05-24 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: IL

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 2025-05-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Purchased an item through my CapitalOne Savor Credit Card, which was paid for with autopay on XX/XX/XXXX. This payment ( {$210000.00} ) did not go through as it requested more than was available in my bank- however I had more than enough between the bank account and available Rewards Cash. I take issue with being charged interest in the resulting month when they could have simply accepted the money available in the bank alongside the Rewards Cash that I had present. Furthermore, upon checking CapitalOne has no feature to allow you to auto-pay with rewards cash in any way other than cash refunds- which of course doesnt reduce your Balance and makes it most likely for them to cash in on late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
XXXX sold said debt to HARRIS & HARRIS in the amount of {$320.00} on XXXX report... 
They also reorted as HARRIS & HARRIS , LTD in the amount of {$250.00} on XXXX i have no orignal signatures for any of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CITIBANK, N.A.
State: IL

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 non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
I am writing to dispute a closed account listed on my credit report. This account was not closed due to any negative or voluntary action on my part, and therefore, it should not negatively impact my credit profile. I respectfully request that you investigate and consider removing the account or correcting the status to reflect that it was closed by the creditor for reasons unrelated to my behavior or creditworthiness. 

Creditor Name : [ XXXX XXXX  Account Number ( Last 4 Digits ) : [ XXXX ] Date Closed : [ XX/XX/year> Reason for Dispute : Account was closed by creditor, not consumer fault According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or misleading information on my credit report. Additionally, FCRA 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in reporting. A closed accountif reported in a way that implies consumer faultcan mislead future lenders if it was, in fact, closed due to lender action, policy changes, or other non-delinquent reasons. 

If the creditor can not verify that the closure was due to any fault or request on my part, or if the status misrepresents the situation, then the account should either be : Corrected to reflect that the account was Closed by Lender No Fault of Consumer, OR Removed entirely if it can not be verified with accurate and complete information. 

Please initiate a formal reinvestigation, provide me with the results within 30 days as required by law, and send an updated copy of my credit report once the correction or deletion is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
I am writing to dispute a closed account listed on my credit report. This account was not closed due to any negative or voluntary action on my part, and therefore, it should not negatively impact my credit profile. I respectfully request that you investigate and consider removing the account or correcting the status to reflect that it was closed by the creditor for reasons unrelated to my behavior or creditworthiness. 

Creditor Name : [ XXXX XXXX  Account Number ( Last 4 Digits ) : [ XXXX ] Date Closed : [ XX/XX/year> Reason for Dispute : Account was closed by creditor, not consumer fault According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or misleading information on my credit report. Additionally, FCRA 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in reporting. A closed accountif reported in a way that implies consumer faultcan mislead future lenders if it was, in fact, closed due to lender action, policy changes, or other non-delinquent reasons. 

If the creditor can not verify that the closure was due to any fault or request on my part, or if the status misrepresents the situation, then the account should either be : Corrected to reflect that the account was Closed by Lender No Fault of Consumer, OR Removed entirely if it can not be verified with accurate and complete information. 

Please initiate a formal reinvestigation, provide me with the results within 30 days as required by law, and send an updated copy of my credit report once the correction or deletion is made.

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 2025-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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

Company response to consumer: Closed with explanation