vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: IN

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IN

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint against Experian regarding their continued failure to remove incorrect addresses and inaccurate information from my credit report, despite my repeated attempts to resolve these issues over several years. 

I am a victim of identity theft and was also affected by data breaches from XXXX major companies, which exposed my personal information. Unfortunately, I am not someone who frequently checks my credit reports, and I only discovered the extent of the theft years later. 

Upon discovering the issue, I submitted all necessary documentation, including a police report, to Experian. However, at the time of submission, the police report did not contain a complete list of the fraudulent activities or addresses associated with my identity theft. 

Despite providing sufficient evidence, Experian has failed to act in removing the incorrect addresses from my credit file. For clarity : My only valid address is : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My only valid name is : XXXX XXXX My only valid contact number is : XXXX All other names, combinations of my name, addresses, and phone numbers listed on my credit report are incorrect and must be removed immediately. I have noticed completely fraudulent phone numbers attached to my credit report. 

Additionally, my data was breached through XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX, where my address, name, Social Security number, and email were exposed. 

I am requesting the CFPB 's assistance in ensuring Experian complies with the Fair Credit Reporting Act ( FCRA ) and takes immediate corrective action to remove these fraudulent entries from my credit file. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this ongoing issue.

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 2024-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my mortgage escrow account by Mr. Cooper Mortgage Company ( also referred to as XXXX XXXX  ). We recently discovered a significant discrepancy in our escrow account that the company has been unable or unwilling to explain adequately. 
This is the second time I have questioned this escrow adjustment, and it is worth noting that this issue has also been flagged by three separate mortgage professionals who have reviewed my account and expressed concerns. Despite repeated attempts to get clarity from Mr. Cooper Mortgage Company, I have yet to receive satisfactory answers.

According to a recent statement from Mr. Cooper Mortgage Company : 1. Our insurance premiums increased from {$2800.00} to {$4300.00} annually.

2. Additionally, a mortgage insurance policy was purchased for {$2300.00}, resulting in an escrow shortage of {$9800.00}.

3. When checking the Mr. Cooper website today, I found we are being charged over {$3000.00} for XXXX XXXX that was canceled in XXXX. I have the cancellation policy from my former insurance company, which confirms that the refund was already processed. However, Mr. Cooper is charging us for this and adding it to our " new '' escrow amount starting in XXXX. 
While we understand that changes in insurance premiums or taxes can affect escrow balances, the numbers presented by the company do not add up, and we are deeply concerned about potential mismanagement or improper charges. 
Here are our main concerns and questions : 1.Unexplained Insurance Increase : Our loan officers confirmed that our insurance should be approximately {$200.00} per month, not {$1000.00}. Why is there such a drastic discrepancy? We have been paying on this home for over a year and were never notified of a shortage until the loan was transferred to Mr. Cooper.

2.Forced-Placed Insurance : Did Mr. Cooper Mortgage Company force-place insurance on our account? If so, what justification was used, and why were we not informed? Does the coverage amount on our current policy fail to meet loan or property value requirements?

3.Replacement Cost Estimator : Was a replacement cost estimator used to determine the necessary insurance coverage? If not, why?

4.Escrow Payments : Our escrow payment is almost {$1000.00} per month, but even accounting for insurance and taxes, this is far higher than necessary. Why are we being charged such a high amount, and where is this money going?

The lack of transparency from Mr. Cooper Mortgage Company is unacceptable, and the financial burden of this unexplained escrow shortage is causing significant hardship. Despite repeated inquiries, I have not received a clear and detailed explanation of these charges. 

Thank you for your time and assistance in resolving this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
MOHELA has improperly placed my student loan account in forbearance starting XX/XX/year>. Despite multiple attempts to resolve the issue, they have failed to provide a satisfactory explanation or resolution. 

MOHELA claims the forbearance was initiated due to a submission for the SAVE plan. However, I have never requested to enroll in the SAVE plan and have always been enrolled in the PAYE plan. I suspect MOHELA fabricated this submission to place my account in forbearance, thereby preventing my payments from counting towards PSLF. 

I first contacted MOHELA on XX/XX/year>, and a representative assured me that the alleged SAVE plan submission would be canceled within XXXX business days. When no action was taken, I called again on XX/XX/year>. During this second call, a representative attempted to submit another cancellation request, claiming a new process had started. I escalated the matter to a supervisor, who promised to expedite my previous requests. Despite these assurances, the forbearance remains on my account, and no one at MOHELA has been able to remove it or connect me to someone who can. 

I believe MOHELAs actions are deliberate and are intended to interfere with my eligibility for PSLF. I have audio recordings of my interactions to support my claim and request immediate action to remove the unauthorized forbearance and ensure my payments are counted accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
I respectfully request that consumerfinance investigate CoinList Markets LLC for potential violations of U.S. financial regulations, including : Failure to process customer withdrawals. 
Lack of transparency and adequate customer support. 
Additionally, I request that CoinList be instructed to resolve the situation, ensuring the payment of the funds owed to me and providing clear information about the procedures adopted. 

Additional Information : Approximate Amount Owed : XXXXXXXX XXXX in the CSPR coin since more than 3 months Summary of Responses Received from CoinList : " We understand your concerns and apologize for the extended delays in resolution of your query. 
Your query has been recorded and forwarded to the relevant team for investigation. We hope to get this matter resolved for you as promptly as possible. 
We will keep you posted about progress every few days, your ticket will be kept open until the issue has been resolved. '' I appreciate your attention and investigation into this matter. I am available to provide further information or documents if necessary.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
I am a survivor of XXXX XXXX and during the period of my XXXX, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Concora Credit is in direct violation of the following UCC codes as they have returned my negotiable instrument that meets all standards and have not discharged my balance. 

XXXX. PAYABLE ON DEMAND OR AT DEFINITE TIME. 


XXXX. NEGOTIABLE INSTRUMENT. 
Primary tabs ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
This company has used intimidation tactics and threatened legal action and full payment or they will be forced to take legal action. I have been under severe emotional distress and suffering health issues for a while. This harassment and intimidation has brought me increased XXXX. I received a letter XX/XX/year> from Midland Credit Management via mail in a XXXX XXXX envelope. This is after months of no contact over my torrid account and also I had tried to make a payment to XXXX long after the fact but did not know my debt had been sold. I have been grieving and really took some hits financially and mentally and am trying to get better, but these tactics have got my anxiety up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
Dear credit bureau, I am contacting you regarding complaint # XXXX. Experian was not able to provide proof or proper investigation for the account-XXXX XXXX XXXX XXXX XXXX It is well after the 30 day to provide said evidence, therefore the account is to be removed as it is now a violation of my FCRA rights. Deleted the account immediately for violating my FCRA rights. 

Account- 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 2024-12-23 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted XXXX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

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 2024-12-23 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted XXXX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
on XXXX I reached out to XXXX XXXX XXXX XXXX because I found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I read in XXXX XXXX XXXX XXXX policy they were supposed to freeze my account until I XXXX XXXX XXXX XXXX XXXX. Know this I went to the XXXX XXXX XXXX XXXX and I was told to send proof of my orders to the email they gave me which was XXXX XXXX XXXX XXXX and I never got a response in which I thought my service would be ok. However as soon as XXXX XXXX XXXX, I got a billing statement saying I owed {$3000.00} which should not be the case since my account was supposed to be frozen.

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