vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Caine & Weiner for reporting an alleged collection account on my consumer credit report without my permission, knowledge, or proper verification. I have never conducted business with Caine & Weiner and deny any obligation to this alleged debt. 

Caine & Weiner is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting unverified and potentially inaccurate information to the credit bureaus. They have not provided proof that I owe this debt or that they have the legal right to collect or report it. 

I demand immediate removal of this account from my credit profile unless Caine & Weiner can provide valid documentation proving my contractual obligation to this debt. Their failure to do so constitutes a violation of my consumer rights under federal law. 

I have attached a formal dispute letter for further reference. Please investigate this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I HAD XXXX CHECKING ACCOUNTS AND XXXX SAVINGS ACCOUNT. ALL ACCOUNTS ARE BEING REPORTED TO FDIC BECAUSE OF BALANCES OWED BUT THE BALANCES ARE FROM FEES FULTON BANK DID NOT PAY ANYTHING ON MY BEHALF. THEY DID NOT PAY ANYTHING FROM THESE ACCOUNTS IT IS ALL FEES. WHEN I REQUESTED THE ACCOUNTS BE CLOSED, THEY DID NOT CLOSE THEM UNTIL THEY SAW FIT. BEFORE THE ACCOUNTS WERE CLOSED, THEY BLOCKED MY ONLINE ACCESS AND I COULD NOT EVEN MONITOR ALL THE FEES THEY WERE ACCESSING. THE SAVINGS ACCOUNT ALONE IS NEGATIVE OVER {$200.00} FROM FEES FOR A LOW BALANCE, WHICH I WAS NOT EVEN AWARE WAS OCCURRING BECAUSE MY ACCESS WAS LOCKED. FULTON BANK PAID NOTHING ON MY BEHALF I SHOULD NOT BE REPORTED NAGATIVELY TO THE FDIC OVER FEES. FULTON BANK IS ALSO KNOWN FOR CHANGING DATES SO TRANSACTIONS RESULT IN FEES. THIS HAS NOT JUST HAPPENED TO BE BUT ALSO TO MY FATHER WHO HAS MULTIPLE FULTON ACCOUNTS.

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 2025-03-10 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the mortgage modification process I have been undergoing with Mr. Cooper since XX/XX/year>. Despite my best efforts to comply with every request, the experience has been nothing short of exhausting and disorganized. 

To date, I have signed the modification documents **seven separate times**, only to be informed after each submission that they were not signed correctly. Each time, I was provided with conflicting instructions on how to proceed, and I followed the guidance given to me by your representatives. However, I was repeatedly told that the information I received was incorrect and that I had been misinformed. 

Additionally, I was instructed to resubmit documents multiple times because the ones I uploaded to your website were allegedly unavailable to the department that needed them. Now, I have been informed that the documents themselves are incorrect, and I will need to restart the entire process from scratch. 

What is most concerning is that, to this day, no one has been able to provide me with clear, definitive instructions on how to properly sign and submit these documents. The lack of communication between departments and the inconsistent information I have received have made this process unnecessarily stressful and time-consuming. 

Given these ongoing issues, I can not in good conscience recommend Mr. Cooper to anyone seeking a mortgage or modification services. The processes appear to be fundamentally flawed, and the lack of internal coordination has left me feeling disregarded as a customer. 

I urge you to address these concerns promptly and provide a resolution to this matter. I would appreciate a detailed explanation of how to proceed correctly and a timeline for when this issue will be resolved. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
XXXXXXXX XXXX, I received my first bill of the new year from Freedom Mortgage, that bill was some 40 % higher than my previous bills ; I immediately called the company customer service line. Customer service could not tell me what was wrong but the customer service person mentioned that I was paying on 2 parcels, upon asking CS about this they explained that they do not contact the counties in the event of an error and that " they just pay the bill when it is due '' and that I would have to do this to find out -if- there was an error-. 

I contacted the XXXX County Tax Collector, we determined that I should not be paying on one of the two parcel numbers, XXXX, as it is not my property. 

I then contacted Freedom Mortgage CS, explained the problem to them and asked them to open an inquiry as well as sign me up for their automated updates on the inquiry, at this time they told me the completion date would be 2 weeks. 

A week or so goes by, I haven't received any updates, so I call CS again, they now tell me the completion is XX/XX/XXXX. 

No further contact from FM On XX/XX/XXXX, I'm billed and am still paying for the incorrect parcel. I called CS, the inform me that XX/XX/XXXX they've closed the inquiry I had previously made, they removed the incorrect parcel from my account with no further action necessary until XX/XX/XXXX and I would have to continue overpaying until that time when the conduct their regular escrow analysis. At this time I asked them to open another inquiry and was told it would take a few weeks and I would not continue paying for parcel XXXX. 

I have contacted them again and now they are saying the completion for the inquiry is not scheduled until XXXX and I am to continue paying for the second parcel

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 2025-03-10 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am submitting this statement to formally request an investigation into the debt reported by RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX, which I believe has been illegally reported under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I contacted RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX to request the original purchase agreement for the debt they claim to have acquired. I was informed that they do not possess such a document. 

According to the FCRA, specifically 15 U.S.C. 1681s-2, furnishers of information have a legal obligation to ensure the accuracy and validity of the information they provide to credit reporting agencies. The inability of RADIUS GLOBAL SOLUTIONS and XXXX XXXX XXXX to produce the original purchase agreement demonstrates that they can not verify the legitimacy of the debt. This failure not only undermines the credibility of their claim but also violates federal law, as unverified or inaccurate information must not be reported or maintained in a credit file.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-03-10 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: NJ

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
There's been XXXX attempts to open credit cards : XXXX XXXX and Bank of America, in my name. I did not open any new credit cards. 

There's been XXXX attempt to open a loan through XXXX XXXX. I did not take out a personal loan. 

I did not take out any new credit cards or loans. 

Your help with this is appreciated. Thank you. 

Sincerely, 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 2025-03-10 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: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
Contacted EXPERIAN, EQUIFAX AND TRANSUNION via certified mail with signature requested. The complaints have also havw been filed with CFPB with no results. 
The creditor XXXX XXXX has charged off two accounts and issued 1099c statements and has refused to removed for the credit reporting agencies. The credit reporting agencies have failed to follow the federal law in regards to 1099c cancellation of debt. 

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 explanation
Consumer complaint received 2025-03-10 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: TX

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 2025-03-10 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

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 2025-03-10 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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