vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Subject : Breach of Contract, TILA/RESPA Violations, and Request for Chain of Title Carrington Mortgage Services Complaint Summary : I am filing this complaint against Carrington Mortgage Services , LLC, for breach of contract and violations of TILA Regulation Z and RESPA. Despite multiple assurances from XXXX XXXX XXXX XXXX and Carrington that the terms and conditions of my mortgage loan would remain unchanged during servicing transfers, I have discovered discrepancies in the amortization schedules. 
Back in early XX/XX/XXXX, I received a copy of the amortization schedule from Carrington Mortgage Services. In XXXX of this year, I contested the validity of the APR applied by the original lender, XXXX XXXX XXXXXXXX, as my calculations revealed significant discrepancies. I filed a complaint with the CFPB regarding these issues. 
On XX/XX/XXXX, XXXX XXXX, a Senior Compliance Specialist from XXXX, responded to my CFPB complaint by providing an FFIEC APR Tool report, an amortization schedule, and other related documents. Upon reviewing the APR Tool report, I noticed the presence of non-uniform payment streams, with substantial deviations from the amortization schedule provided by XXXX at closing on XX/XX/XXXX. 
When I compared XXXX amortization schedule to the one I received from Carrington in XX/XX/XXXX, the inconsistencies became evident. I have a fixed-rate mortgage with an interest rate of 4.735 %, and while Carringtons schedule correctly reflects my principal and interest ( P & I ) payment of {$970.00}, XXXX  original amortization schedule contained errors. Despite these known discrepancies, neither XXXX nor subsequent servicers, including XXXX XXXX and Carrington, provided any notice of changes to the amortization amounts. 
XXXX notarized XXXX of XXXX confirms that I was never notified of any adjustments to my loans amortization schedule. Furthermore, XXXXXXXX XXXX letter dated XX/XX/XXXX, explicitly stated, " The terms and conditions of your loan remain the same. '' Carrington 's subsequent letter on XX/XX/XXXX, repeated the same assurance. Despite these statements, the discrepancies in my current amortization schedule directly contradict these claims. I am seeking a clear explanation as to why I was not informed of these changes and why the errors in Guilds amortization schedule were never properly addressed. 

Further, I request a full Chain of Title for my mortgage loan. I am entitled to verify the legitimacy of the loans transfers and ensure compliance with all applicable federal regulations. 
Supporting Documents : Affidavit of Testimony ( notarized ) XXXXXXXX XXXX amortization schedule ( XXXX ) Carrington Mortgage amortization schedule ( XXXX ) Letters from XXXX, XXXX, and Carrington confirming no loan term changes A copy of XXXX ARP Tool report completed on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit System is still reporting that I owe XXXX {$1700.00} when XXXX has verified with me that I returned the devices and submitted a case to get it resolved. I do not owe the money. They keep deleting the account and then months later they will put it back up. Even after Ive verified with XXXX the balance is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to transunion regarding the fraudulent credit cards on my account & the false address and fraudulent hard inquiries. 

I sent my FTC identity theft report to transunion highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX  XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other traudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 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 2025-03-31 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have accounts on my credit file thats fraudulent an thats not me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have accounts on my credit file thats fraudulent an thats not me at all

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing an account on my credit report that was reported without my written authorization, XXXX XXXXXXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Equifax must ensure the maximum possible accuracy of all information in consumer reports. The presence of this account shows a failure to meet that duty. Additionally, under 15 U.S.C. 1681b, Equifax must conrm a valid permissible purpose before reporting any account. Without my written consent. This requirement has not been met. Failure to notify of the Re-insertion requirement to the consumer within ve business days, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and failure to provide certication of accuracy under 15 U.S.C. 1681i ( a ) ( 5 ) ( c ). I demand an immediate investigation and permanent removal of this account from my credit le. Continued reporting my constitute willful noncompliance under 15 U.S.C. 1681n or Negligent noncompliance ( 15 U.S.C. 1681o ) and may be considered identity theft under FTC guidelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We worked on releasing the house back to Welles Fargo, they agreed then we found out the put us in foreclosure

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 2025-03-31 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-31 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT IN MY REPORT.PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX  ) # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
Unauthorized Access to My Education Records in Violation of FERPA Dear Sir/Madam, I am writing to formally request of Total discharge of my student loans due a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) , 20 U.S.C. 1232g, that occurred in XX/XX/year>. It has come to my attention that the Department of Government Efficiency accessed my education records without my consent or authorization, in clear violation of FERPA and its associated regulations, specifically 34 C.F.R. 99.30 and 34 C.F.R. 99.31. 

Under FERPA, as outlined in 20 U.S.C. 1232g ( a ) ( 1 ) ( A ), students have the right to control the disclosure of their education records. Furthermore, FERPA mandates that records may not be accessed without written consent from the student, except in specific circumstances outlined in the law. It is my understanding that no such consent was sought or obtained from me, nor did any circumstances exist under which the Department of Government Efficiency had a legitimate reason to access my records. 

The access to my records occurred in XX/XX/year>, and I have not been provided with any notice or request for permission to release such information. As outlined in 34 C.F.R. 99.30, I should have been notified of any disclosure of my records, but I have not received such communication. Additionally, the access appears to have occurred without meeting the legal requirements set forth in 34 C.F.R. 99.31 for disclosure without consent. 

Three violations occurred ; 1. Unauthorized Disclosure of Identafiable Information. 

2. Failure to Provide full access to my Educational Records Upon Request 3. Unlawful Misrepresentation and processing errors. 

Formal Demand of Discharge and Record Removal Due to these violations I demand immediate removal and Total Discharge of my Student loan All data bases including : - The National Student Loan Data Base ( NSLDS )- All credit reporting agencies ( XXXX, XXXX, XXXX )- All affiliated loan servicers, collection agencies, or third party entities. 

Legal Grounds for Discharge 34 CFR 668.71-75 are regulations under the Code of Federal Regulations ( CFR ) that deal with mis-representation and non- compliance with federal student aid regulations warrant loan cancellation. Futhermore, under FERPA ( 34 CFR part 99 ) the mishandling of educational records, can lead to federal enforcement actions, including the loss of funding for institurions and agencies involved. 

Failure to act on this Demand of Removal of Student Loan Discharge will result in further legal action, including further complaints with Federal Student Aid Ombudsman Group, the Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was applying for a mortgage on XX/XX/XXXX. 2025. Within one XXXX  of the loan officer pulling my credit, my phone started to ring. He warned that the credit bureaus sell data. It is now 5 days later and I am still receiving calls and texts. To date, I have received over 110 phone calls and several dozen texts. In fact, Ive received two calls while typing this complaint. 

I have not authorized the credit bureaus to give my information out. This practice of selling trigger leads needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank charged {$500.00} in overdraft fees and refused to remove them. 
Transactions dates and amounts are always changing.

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 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I never agreed to a student loan but it appears one was taken out in my name years ago and though I continue to dispute it, I continue to receive notices of an unpaid balance.

Company response to consumer: Closed with explanation