vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TRIAD FINANCIAL SERVICES, INC.
State: OH

Complaint narrative:
My wife and I purchased a new XXXX manufactured doublewide home in that year and financed it through XXXX XXXX XXXX XXXX... and subsequently found that Triad Financial Services was the actual underwriter of that financing. 
Almost from the beginning more than 7 years ago, there were issues with Escrow, specifically taxes, resulting in multiple attempts to raise the tax portion of Escrow ... which raised our monthly house payment substantially - at one point from less than {$600.00} to over {$1000.00}. As a result, we have worked with our County Treasurer to verify our actual annual taxes in several different years. In several prior years, we worked with XXXX to correct the error, and that would ultimately work. Unfortunately, XXXX advised us they were ending their relationship with Triad and that we would have to work directly with Triad from that point. 
For about XXXX and XXXX years, all was well, with our payment staying at {$570.00} and change. In late XXXX, XXXX, however, we were advised by Triad that our payment was now {$840.00} and change. We are on Social Security and can not afford such a payment regularly... so we asked XXXX XXXX, the Treasurer, what our annual taxes were currently, and to email Triad to advise them. She advised that our XXXX taxes were {$250.00} per half ... or $ XXXX. 
Triad 's XXXX XXXX advised me they had paid {$830.00} on XX/XX/XXXX ... and {$830.00} on XX/XX/XXXX, and gave me check numbers for those payments- which allowed XXXX XXXX to determine they paid taxes on another parcel altogether - a commercial property with much higher taxes... NOT my property. She has emailed XXXX the correct parcel and taxes in late XXXX ... and our monthly payment is still {$840.00}. Further, I make payments online, and unless I make ( their ) payment, the website won't accept it. 
I have made the higher payment twice- in late XXXX and late XXXX- all while calling them XXXX or more times ... and they have charged me with a missed payment, which lowered my credit rating by XXXX points. When I paid those payments, it has been at the expense of other payments, including for food. 
They have advised me multiple times it would be " fixed '' by XX/XX/XXXX ... and, most recently, it was being " reviewed, '' and " should be '' corrected by XX/XX/XXXX or, at latest, the XXXX. 
As I write this, it is XX/XX/XXXX, and their site tells me I need to pay {$840.00}. 
Please get this corrected. Thanks in advance for your assistance. 

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 2025-01-07 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-07 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I have checked my credit report and I see an hard inquiry from company New American on XX/XX/year>. I have never applied to anything for this company or given them my consent to run my credit. please remove this immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute letter to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed the following accounts : XXXX ( Account Number : XXXX ) : I requested verification of the original promissory note, a complete account history ( including all payments and correspondence ), and evidence of timely reporting. 
XXXX ( Account Number : XXXX ) : I disputed the accuracy of a reported late payment from XX/XX/XXXX and requested documentation verifying compliance with FCRA 623, including a full audit trail and delinquency notices. 
XXXX ( XXXX Credit ) ( Account Number : XXXX ) : I disputed late payments reported for XX/XX/XXXX and XX/XX/XXXX, requesting creditor correspondence and proof of timely reporting. 
TransUnion failed to respond to my dispute within the required 30-day statutory period under the Fair Credit Reporting Act ( FCRA ). No updates, corrections, or verification of the disputed accounts have been provided. This violates FCRA 611 ( a ) ( 1 ) ( A ), which obligates credit reporting agencies to investigate disputes and provide results within 30 days. 

This lack of response has caused significant delays and stress, as these inaccurate accounts continue to harm my credit report and score. I request the CFPB 's assistance to : Ensure that TransUnion completes a thorough investigation of the disputed accounts. 
Remove all unverifiable or inaccurate accounts from my credit report. 
Provide written confirmation of the investigations outcome and an updated credit report reflecting the changes. 
I have attached a copy of my original dispute letter, my credit report highlighting the disputed accounts, and any relevant supporting documents.

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 2025-01-07 00:00:00
Product: Mortgage — FHA 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: PA

Complaint narrative:
My dad passed and he had a mortgage with XXXX and we got it out of foreclosure and I sent in everything to assume the mortgage. They didnt complete the work, the money paid after we got it out of foreclosure in XXXX of XXXX  the monthly payment made to them was not going to mortgage payment. Some was but they charged me XXXX for XXXX phone calls. They then sold my mortgage to freedom and it continued downhill. Finally in XXXX I decided to stop paying as I was not getting any written communication with them. I have spoken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Was told XXXX that there were 2 system updates and my information wasnt included, a mistake on their part. They have not fixed that mistake and Im still fighting with them to do the right thing. Losing document after document.

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 2025-01-07 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: KY

Complaint narrative:
Several addresses, a telephone number, and an employer are listed on my credit report that I do not recognize. I believe this information in my credit report 's personal information section is due to fraud and/or identity theft. Please remove the following entries : XXXX XXXX XXXX XXXX XXXX  GA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX. There are also multiple variations of my full name, which should be removed. The only name on my credit profile should be " 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have been getting hit on my credit score every year bc this collection keeps refreshing every year. Are they allowed to keep refreshing it as if its a new debt every year because it keeps hurting me its been 5 years and it keeps happening this debt was wrongfully placed on me when covid hit me. I was late on paying the service and they would disconnect my service and keep charging me every month even though there wasn't any service being provided for that month because they deactivated the service but yet kept getting charged like if it was active. Back to the question are the debt collectors allowed to keep refreshing my XXXX XXXX XXXX debt as if it just happened recently even though it didnt. If its illegal i would like this to be removed as it is affecting my health and XXXX XXXX every year. Nor i have agreed to have my debt collection to be moved on to a third party debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I obtained a payday loan from Advance America. On the same day, I requested that the representative at the Advance America branch change my due date to XX/XX/XXXX However, this request was unsuccessful. 

On XX/XX/XXXX, my bank account was debited for {$300.00}. I had no funds available in my account because I do not receive my paycheck until the XXXX of each month. Additionally, the XXXX of that month fell on a holiday, necessitating my visit to a branch the following business day to make my payment. 

Upon arriving at the branch, I was charged a {$15.00} fee for insufficient funds. Despite receiving my paycheck on the XXXX of each month, the XXXX of XXXX fell on a holiday, and the XXXX XXXX location was closed during that period. Consequently, I was unable to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I was contacted by mail from a their-party company by the name of Radius Global Solutions about collecting a debt for XXXXXXXX XXXX XXXX XXXXXXXX XXXX On my credit profile it shows under my XXXX report as account charged off by XXXX for the amount of {$340.00}. I sent out a letter to Radius Global Solutions at the address listed on the mail and online ( same address ) about this matter. On XX/XX/year> my letter was received and picked up by Radius Global Solutions at their listed address. In this letter I included that I would like to come to a settlement option. With these terms I included that I would like to have a response within 14 days of receiving my letter. I have USPS tracking to provide proof. I sent the letter by certified mail. Please note that my offer the company is not an acknowledgement of the validity of the debt but is a goodwill effort to resolve this matter. It is their obligation under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2 ) to ensure the accuracy and completeness of the information that is being furnish to credit reporting agencies. 
They have not responded to me. The USPS tracking number is 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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally report a violation of my consumer rights by TransUnion regarding inaccuracies on my credit report stemming from identity theft. 

On XX/XX/XXXX, I submitted certified documents to TransUnion, including tracking information, detailing several fraudulent accounts erroneously listed on my credit report. I requested a thorough reinvestigation of these issues. On XX/XX/XXXX, TransUnion responded, asserting that two accounts associated with XXXX  XXXX were verified, despite my claims of identity theft. 

After further correspondence on XX/XX/XXXX, I reiterated my concerns about the inaccuracies and the violation of the Fair Credit Reporting Act ( FCRA ). TransUnion 's subsequent response on XX/XX/XXXX, indicated that one account was verified while the other was not, resulting in its deletion. However, both accounts were fraudulent and should have been removed immediately. 

Despite my repeated attempts to rectify this matter, including a certified letter sent on XX/XX/XXXX, TransUnion has failed to address the ongoing violation of my consumer rights by not removing both accounts related to identity theft. 

I request your assistance in addressing this matter with TransUnion to ensure compliance with the FCRA and the protection of my consumer rights. 

Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am a victim of the XXXX  data breach and had terminated my business relationship with XXXX as a result. Months later after I had ceased doing business with XXXX on or around XX/XX/XXXX I was sent a debt notice by a collection agency regarding an open XXXX account. After weeks of back and forth with a collection agency and XXXX  it was determined that the account was fraudulent and unauthorized by me and after filing an FTC fraud report # XXXX I and XXXX  agreed the matter was settled. On XX/XX/XXXX I began receiving calls from a XXXX XXXXXXXX identified as a scam. As a XXXX person with low vision I review my phone logs and was left with a XXXX  which I called and learned was a collection agency Source Receivables Management. I called and after I identified myself was told I owed XXXX XXXX and something dollars and they would destroy my credit rating if I failed to pay. I notified them of my XXXX and asked for the firm to identify the creditor and provide proof of the debt in an accessible format for my low vision. To the time of this complaint I still have not received the requested information. Now I am victimized by Source Receivables Management and the originator of the account XXXX  yet again.

Company response to consumer: Closed with explanation