vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX Mortgage overpaid our homeowners insurance by {$650.00}. To avoid an increase to our monthly mortgage payment we called and spoke with a PHH Insurance Specialist on the best way to handle the overpayment. We were instructed to mail a check for the overpayment directly to PHH Mortgage Services, ATTN : Escrow Department, XXXX XXXX XXXX, XXXX IL XXXX, and to note on the check that the payment was intended for our escrow account. We were told the payment would be applied and I should follow up with PHH Mortgage after the check had cleared and ask for an Escrow Analysis Report to ensure the overpayment had been processed. 
I called on XX/XX/XXXX, to ask for the report, but was told the payment received had not been applied to the escrow account. The Specialist informed me the payment was applied to a reserve account because the check was received with no instructions. I attempted to provide them with a copy of the processed check, noting instructions for the payment, but they were unwilling to accept the information. I was told the payment would remain in the reserve account and it would not be redirected to the escrow account. We followed the instructions of PHH, yet they are unwilling to place the funds in the escrow account as we had requested, which will ultimately increase our monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
On XX/XX/year>, I disputed two inaccurate accounts on my credit report with Equifax : one from Teacher FCU and another from Bank of America. After completing its investigation, Equifax deleted both accounts on XX/XX/year>, confirming the information was unverifiable or incorrect. 

However, on XX/XX/year>, both accounts were reinserted into my credit report without any notice or written certification, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted items without certification or notifying me within 5 business days.

Section 623 ( a ) ( 3 ) : Failure to correct and update inaccurate information before reinserting.

Section 611 ( d ) : I never received a written notice that the items had been reinserted.

Section 607 ( b ) : Equifax failed to maintain procedures to ensure maximum possible accuracy.

These unlawful reinsertions have damaged my credit score, created delays in important financial processes, and caused emotional distress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
XXXX requested why my due date was changed and why the payment amount changed from my XXXX XXXX requested why my due date was changed and why the payment amount is a standard 10 year repayment plan ( my IDR was approved XX/XX/XXXX ). 
XXXX requested why my due date was changed and why my payment amount is a standard 10 year repayment plan ( my XXXX was approved XX/XX/XXXX ) and why my interest rates have been changed XXXX requested why my payment due date is not being honored as I had a previously approved XXXX from XXXX XXXX XXXX XXXX approved on XX/XX/XXXX and why the deferment is not being honored until XX/XX/XXXX I am not sure why they were assigned my provider as I am not enrolled in the XXXX plan ; I had my student loans with XXXX XXXX XXXX XXXX XXXX  loans were transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
DEPTEDXXXX XXXXXXXX XXXX XXXX : {$16000.00} Date Opened : XX/XX/year>

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 2025-03-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$5100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$71000.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX  - Balance : {$83000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
A contract was offered to me on XXXX XX/XX/XXXX for the purchase of XXXX XXXXXXXX XXXX XXXX by XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, NV XXXX. 

Upon reviewing the contract I found many terms that were harmful to me. These terms would explicetly be unlawful unless I signed the agreement and became trapped in their fraudulent contract. 

I therfore signed the contract as such ; XXXX XXXX, Without Recourse. 

My contract was accepted by XXXX XXXX with my added terms " XXXX XXXX, Without Recourse ''. At the time there was a blank line for an " XXXX '' to take over responsibility for the contract and it's terms. 

At some time between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX SANTANDER CONSUMER USA of XXXX XXXX XXXX XXXX XXXX, TX XXXX accepted my contract and all it's terms, and then mailed me a bill claiming that I had an obligation to repay. 

On XXXX XX/XX/XXXX I sent a letter via confirmed mail with a return receipt " Notice of Erroneous Billing '' to Santander, informing them of the error. I confirmed receipt but no response was offered. 

On XXXX XX/XX/XXXX I sent another letter via confirmed mail with a return receipt " XXXX Attempt, Notice of Claim to Interest, Opportunity to Cure ''. I confirmed receipt but no response was offered. I also inluded a Notarized Durable Power of Attorney between myself as the attorney, the living man " XXXX, XXXX '' as agent and " XXXX XXXX XXXX XXXX XXXX Sole Proprietorship as Principal, in case they mistakenly believed they have any authority to act on behalf of XXXX XXXX XXXX XXXX 

On XXXX XX/XX/XXXX I sent another letter via confirmed mail with a return receipt " XXXX Attempt, Notice of Claim to Interest, Default Judgement ''. I confirmed receipt but no response was offered. I also inluded a Notarized Durable Power of Attorney between myself as the attorney, the living man " XXXX, XXXX '' as agent and " XXXX XXXX XXXX XXXX XXXX Sole Proprietorship as Principal, in case they mistakenly believed they have any authority to act on behalf of XXXX XXXX XXXX XXXX 

I have disputed this debt with XXXX, XXXX, and XXXX with no effect. 

I have made no payments on this fraundlent assertion by Santander Consumer USA. 

Santander Consumer USA has proceeded as if they have the legal authority to declare " Default in Payments '' and has attempted to resposses my XXXX XXXX XXXX XXXX in Breach of The Peace, violently trying to block me from entering my garage. 

I have stayed in contact with Santander Consumer USA in a good faith attempt to remedy, but all my requests have fallen on deaf ears.

I intend to sue Santander Consumer USA for their behaviors, which inlcude ; Breach of Contract, Stolen Promissory Note, Failure to Dishonour, and Debt Peonage.

From my interactions with Santander Consumer USA I am also confident that they are acting in bad faith, with an intent to swindle me out of all considerations and proceeds of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because i have been alerted about XXXX unauthorized credit inquiries on my report that I DID NOT approve of. This has impacted my credit score negatively and this hurts my image and my emotions. I am a single mom and doing my bets to elevate in life. Me being a victim of this hinders me. These inquiries are from the two credit bureaus TransUnion and Equifax and i have listed them below. I have tried to contact them and they refuse to help me and remove these inquiries. I ask for prof and have these investigated. Please help me as i am distraught. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX : XXXX. XXXX, 2025

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 2025-03-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: MO

Complaint narrative:
I had a XXXX  stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. Aside from receiving a receipt showing that I had {$0.00} responsibility & insurance was billed for the entire amount, I believe this bill was sent to collections too soon. Unless I've misinterpreted collections laws, hospitals can't send bills to collections until 120 days after the statement date of the first bill, which was XXXX less than 80 days from when I received a collections notice. 

I submitted this complaint on XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  my case was closed after the company responded with no evidence of my owing this debt. An old ledger was sent to me from the original creditor, but that original creditor has been permanently closed for at least 5 years.

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 2025-03-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I GOT THE RESULTS BACK FROM MY DISPUTES AND EVERYTHING CAME BACK VERIFIED. THE ACCOUNTS I DISPUTED HAD SEVERAL INACCURACUES BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY. THIS IS A VIOLATION OF THE FCRA AND NOTHING I REQUESTED BECAUSE OF THESE INACCURACIES WAS DONE.I ASKED CERTAIN ACCOUNTS TO BE DELETED. I WILL BE TAKING FURTHER ACTION IF THIS IS NOT RESOLVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I GOT THE RESULTS BACK FROM MY DISPUTES AND EVERYTHING CAME BACK VERIFIED. THE ACCOUNTS I DISPUTED HAD SEVERAL INACCURACUES BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY. THIS IS A VIOLATION OF THE FCRA AND NOTHING I REQUESTED BECAUSE OF THESE INACCURACIES WAS DONE.I ASKED CERTAIN ACCOUNTS TO BE DELETED. I WILL BE TAKING FURTHER ACTION IF THIS IS NOT RESOLVED IMMEDIATELY.

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