vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

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

Sincerely, XXXX 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 explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. 
ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE OPENED XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE OPENED : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and 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 2024-12-07 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:
According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
We never missed a payment prior this company. Being out of work for months we knew we were gon na be introuble.Wanting to do the right thing we called freedom debt relif to help us. They never told us about the settlement fees. They took aprox XXXX of our payments for themselfs and only paid XXXX twords our debt. They told us not to communicate with our creditors that they would do that for us. Also told us not to mention working with Freedom Debit Relif. They money they took could have paid off 2 creditors. We would have never agreed to this had we known. That would just be crazy. While out of work we struggled to pay them the XXXX per month ... by the way they lead us to belive it was loan consolidating type organization. Now once finding all this out after being sued from one of our creditors. We called the rest of our creditors whom told us no one has called them on our behalf to settle our debt. Eveything they told us was a lie and according to them all said on a recorded call. We calles to close our accout with freedom debt relif they refused to give us the settlement fee back because they made 2 payments and paid XXXX on one settlement for XXXX. And paid 2 payments for XXXX on another settlment. This should not be allowed ; we are older and they took advantage of us when we were stressed and scared. This is unexceptable. They didnt settle anything we are having to work with the creditors on our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Won a contest and received a {$1000.00} Pre Paid American Express gift card, purchased one item through gift card, other items will not go through, it says my card couldnt be processed. As well as not being able to link gift card to my XXXX and XXXX accounts. I called into customer service today and told them about my situation but to no avail, I wasnt helped and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I had a horrific experience with Rocket Mortgage. I am listed on the mortgage, the note, and the deed, yet during my divorce, my ex-husbandwho was court-ordered to pay the mortgagefailed to make payments. Despite this, XXXX XXXX ignored the issue, and my phone calls to Rocket Mortgage always ended with them refusing to communicate with me. They repeatedly stated that I was not their client, refused to provide any assistance, and hung up on me. 

Although they refused to communicate with me, they foreclosed on the property, sending letters addressed to me, my ex-husband, and even to my unknown spouse. When I contacted their lawyers at XXXX XXXX XXXX, I was told they would go after me and destroy me. I have recordings of all my phone calls with Rocket Mortgage, as I always informed them of the recordings. 

I was ultimately forced to repurchase my house through a XXXX sale and pay a 6 % fee because Rocket Mortgage refused to address the situation. My family paid off the mortgage through the XXXX on XX/XX/year>. However, as of XX/XX/year>, I have yet to receive any discharge of mortgage or warrant of satisfaction. Despite calling and emailing their lawyers at XXXX XXXX XXXX XXXX XXXX, I have been completely ignored. 

I also contacted the XXXX, but they can not provide the necessary documents from Rocket Mortgage. I have received no summary of the payments I made. Furthermore, I paid for insurance for the entire year, and when I contacted Rocket Mortgage to address this, I had to make multiple calls and speak to a XXXX. Eventually, I was informed that they had no record of the mortgage being paid off. They said they would cancel the insurance but provided no clear timeline for when this would happen or how I would be reimbursed for the premiums I had already paid. They even mentioned that if any reimbursement were issued, it would go to my ex-husbanddespite the fact that he did not contribute anything toward the mortgage. 

As of today, the mortgage is still recorded against my house, even though it was paid off XXXX months ago. I have not received any documentation, refunds for the insurance, or acknowledgment of the payoff. I was forced to pay a 6 % fee on the entire mortgage and endured extreme stress due to Rocket Mortgages refusal to act responsibly. 

The way I was treated by Rocket Mortgage was appalling. Their handling of this situation was a complete failure, marked by incompetence and unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

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

Sincerely, XXXX 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 explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

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

Sincerely, XXXX 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 2024-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
The attached document from XXXX  was received on XX/XX/year> stating that the owner of the loan is XXXX XXXX XXXX XXXX XXXX  XXXX. 

They have not been providing me a payment schedule but their address is the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Aldridge needs to cease and desist his criminal practice of this case. I do not have any dealing with this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target Card Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Dispute of Account Reporting This account has been reported as written off as a profit/loss ( charge-off ). However, I have identified that the account is being repeatedly reported as a new charge-off account with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information.

15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information.

By continuing to report this account inaccurately, Target Card Services is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation.

2. Request for 1099-C Issuance As the account has been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ). The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws.

3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to this account. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding this account.

4. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Immediately correct and remove the inaccurate information from all credit reporting agencies.

Provide a copy of the IRS Form 1099-C for the cancellation of this account, if applicable.

Confirm in writing that you have ceased all collection activities and communications related to this account.

Failure to comply with this dispute may result in legal action to enforce my rights under federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if this issue is not promptly resolved. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
XXXX XXXX XXXX abused the use of my credit report by running it with themselves 4 times resolving in 4 hard credit inquiries. I am trying to rebuild credit.

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 2024-12-07 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: TX

Complaint narrative:
XXXX XXXX XXXX abused the use of my credit report by running it with themselves 4 times resolving in 4 hard credit inquiries. I am trying to rebuild credit.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: CA

Complaint narrative:
Hello, there is a very serious matter that I need to escalate with Novo, in regards to some unauthorized transactions ( XXXX transactions at XX/XX/year> for {$200.00} each ; total of {$1000.00} ) that were posted to my account on XX/XX/XXXX that I never received credit back for, so almost 2 months ago. Not long after I saw the transactions on my account, I had opened a support ticket with Novo to notify them of the unauthorized transactions, and how I had lost my wallet with my PIN inside on a piece of paper, to which I was told that they were processing my dispute and would continue to give me updates. I then received further correspondence from Novo requesting a copy of a police report from me, to which I provided. Fast forward, and im still without recourse, I still haven't received the credit back to my account. Novo replaced my card, and sent me a new one, which I appreciate, but it still doesn't resolve the issue of the money missing from my account that I never received back. Need someone to make this right and rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I recently reviewed my credit report and there are fraudulent accounts opened without my knowledge and theyre hindering me from obtaining credit at this time.

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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: CA

Complaint narrative:
Around XXXX, XX/XX/year>, I was in the branch of XXXX XXXX FL to take advantage of the new account bonus {$600.00}. ( Please see attached image for the account promo details which also can be found on the bank website ). As the new account bundle bonus include the new checking and savings, I decided to go with opening only checking account ( {$400.00} bonus ) with help by the branch client advisor, XXXX XXXX. Before starting the application, I emailed XXXX the website link with the promo details ( Please find attached image of email conversation ). At the end of application, I refused to apply the debt card as the promo term does not need any debt card purchase. 

I completed the requirements before XXXX XXXX, marked the XXXX day of account open. There was {$300.00} bonus deposited to the checking account on XXXX XXXX. On the same day I contacted XXXX about the {$100.00} bonus shortage. After a week investigation, I was informed the reason I did not receive the full checking bonus {$400.00} is because I did not complete XXXX debt card transactions. I double checked the website promo terms as well as the promo email sent to XXXX on the day of account open, I did not find any wording about debt card purchase. The back office replied with the promo terms which is totally different from the promo I applied for during the branch visit. All the email conversation record has been attached for your further review.

Company response to consumer: Closed with monetary relief