vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2024, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/2024. 
Actions Taken : On or around XX/XX/2024, I sent a formal dispute letter to XXXX XXXX XXXX and the relevant XXXX XXXX XXXX ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/2024 ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX, XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/year>. 
Actions Taken : On or around XX/XX/year>, I sent a formal dispute letter to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX Retail Account Reason for Dispute : Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/year> ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future 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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Received AMEX gift card from work. 

Attempted to use online. Declined even though the card had all available balance and was activated Called customer service. Card was blocked by AI and couldn't be reversed. Had to send a new card. Was told the merchant was white listed and wouldn't have an issue Received new card, same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: GA

Complaint narrative:
I am requesting the method of verification under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). My rights were violated under 15 USC 1681 & law FCRA Section 605B & 605E. No signature! Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 checked my report for the new year and noticed unauthorized and fraudulent accounts. These accounts are affecting my credit score in the worst way possible. I am unable to get approved for an apartment and a vehicle along with many other things. Please for the love of XXXX have these accounts removed so I can reach my credit goals.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
I advised Fay Servicing regarding the double payment of the homeowners insurance in writing. I've been ignored. No action toward resolving this issues has been taken. The most recent escrow analysis indicated a shortage, the shortage was paid in full outside the normal monthly payment. I requested a corrected escrow analysis. There has been no response from Fay Servicing. They have sent an incorrect monthly statement not recognizing the satisfied escrow shortage resulting in an incorrect monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LoanCare, LLC
State: MD

Complaint narrative:
I am writing to file a formal complaint against my mortgage servicer, XXXX by LoanCare, regarding their mishandling of my FHA loan forbearance request and their failure to provide accurate and timely information about my account. These actions have put me at risk of foreclosure and caused me to miss opportunities for federal relief programs. 
Details of My Complaint XXXX. Initial Forbearance Request and Lack of Communication : o In XX/XX/XXXX, I requested forbearance on my FHA-backed mortgage loan due to financial hardship caused by unemployment. The servicer granted the forbearance but failed to provide any details about the terms, duration, or repayment requirements despite my repeated inquiries. 
o I contacted the servicer multiple times between XX/XX/XXXX and XX/XX/XXXX seeking clarification. Each time, I was told no details could be provided until the forbearance expired. 
XXXX. Failure to Provide Requested Documentation : o In addition to phone calls, I submitted a formal request for the terms of the forbearance via the servicer 's web customer portal. 
o I received an email confirmation that my request was received, yet no documentation or details about the forbearance terms have been provided to date. 
XXXX. Ambiguity and Conflicting Instructions : o In XX/XX/XXXX, the servicer informed me to call back in early XXXX for details on my forbearance. When I did, they instructed me to submit an updated application to continue the forbearance. I complied with their instructions and submitted the updated application promptly. 
XXXX. Sudden Demand for Payment : o In XX/XX/XXXX, I was informed that the total past-due amount of approximately {$17000.00} would be due in full by the end of XX/XX/XXXX or foreclosure proceedings would begin. This was the first time I received any concrete information about my repayment obligations. 
XXXX. Failure to Refer My Case to FHA COVID-19 Relief Programs : o During my most recent call, I inquired whether my case had been submitted to any FHA-backed COVID-19 relief options. The servicer stated they could not provide that information. 
o I contacted the Federal Housing Administration ( FHA ) directly, and they confirmed that no referral for relief options was ever submitted on my behalf by my servicer. 
o I learned that the application deadline for Maryland 's FHA COVID-19 relief programs was XX/XX/XXXX. Due to the servicers failure to act or inform me, I am now unable to qualify for relief options that could have helped me avoid 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 2025-01-09 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 AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a debt reported by Portfolio Recovery Associates that I do not recognize and believe is linked to a recent credit data breach. This breach compromised my personal information, including my name, Social Security number, and date of birth, violating my privacy rights under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ).

After being contacted by Portfolio Recovery Associates, I requested validation of the alleged debt by asking for legitimate documentation, such as documents with my signature or photo identification. However, I have not received any credible proof that this debt belongs to me. The only information provided consisted of basic details, such as my name, date of birth, and the alleged date of serviceall of which were exposed during the data breach. 

I also disputed this account with XXXX and XXXX, but the debt remains on my credit report. Despite my disputes, no legitimate documentation has been provided to validate the debt. The debt continues to be sold to other collectors, further circulating my personal information without my consent and violating my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: ID

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to accurate and verifiable information on my credit report. The following items appear on my report in error and require immediate investigation and resolution. 
Accounts to Be Investigated 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Issue : This account does not belong to me. Please verify its accuracy. 
2. XXXX XXXX Account Number : XXXX o Issue : I do not recognize this account. 
3. XXXX XXXX XXXX o Account Number : XXXX o Issue : This account is inaccurate and should be removed. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) o Account Number : XXXX o Issue : This account is incorrect and requires verification. 
5. XXXX ( Original Creditor : XXXX XXXX ) o Account Number : XXXX o Issue : I do not recognize or authorize this account. 
6. XXXX XXXX XXXX  Account Numbers : XXXX, XXXX ( duplicate entries ) o Issue : Duplicate entries for the same account must be corrected. 
7. XXXX XXXX Account Number : XXXX o Issue : This account is unauthorized. 
8. XXXX XXXX o Account Number : XXXX o Issue : This account appears incorrectly on my report. 
Unauthorized Inquiries to Be Investigated 1. XXXX XXXX XXXX XXXX Type : Auto Dealers o Date : XX/XX/XXXX 2. XXXX o Type : Other Collection Agencies o Date : XX/XX/XXXX Action Requested : I request that you : 1. Investigate these accounts and inquiries for accuracy and validity under 15 U.S.C. 1681i ( a ).

2. Remove any unverifiable or inaccurate information from my credit report. 
3. Provide a detailed response outlining your findings, including documentation to verify the disputed information. 
I have attached copies of my credit report with the disputed items highlighted, as well as proof of identity ( e.g., government-issued ID and Social Security card ). 
Legal Rights Reminder Under 15 U.S.C. 1681i, you are required to complete your investigation and respond within 30 days of receiving this dispute. Additionally, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of the information in my credit report. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates in writing. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
" 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I sent a formal written request to the company for verification of a debt under UCC 9-210, including a tender of payment using lawful negotiable instruments as allowed by UCC 3-104 and 3-603. I also requested a full accounting and proof of loan funding in Federal Reserve Notes as specified by contract law. The company failed to respond to my request or accept the lawful tender, thereby dishonoring the payment and discharging the debt per UCC 3-603 ( a ). This non-response constitutes a violation of my rights under the UCC and the terms of the contract.

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 2025-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I established a HELOC with XXXX XXXXXXXX when I purchased my home in XXXX. 

Chase Bank subsequently acquired all of the accounts for XXXX XXXXXXXX in XXXX, XXXX. 

I maintained the HELOC because my bonus compensation was paid at the beginning of each year, and I could draw down the HELOC as needed during the previous calendar year. My HELOC was paid off every year when my bonus was paid. 

I paid off my primary home mortgage in XXXX, and retired in XXXX. I continued to have a HELOC with Chase Bank as a prudent financial planning resource in case of financial need, although I have not drawn down any funds for over 10 years. 

Chase Bank has decided to cease offering HELOC loans, and announced in XXXX that they were shutting down their HELOC arrangements. This was a unilateral decision on their part. ( I contacted Chase Bank and told them that I would like to maintain a HELOC, but they informed me that this was not an option. ) I have received three identical letters from Chase Bank ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating that I owe {$300.00} for " Recording Costs '' to terminate the HELOC. I would request that Chase Bank cease and desist from demanding this payment. 

I will have now have to pursue a HELOC agreement with another financial institution because of the decision by Chase Bank to cease lending through that channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I signed up for easypay at a mechanic. I was not fully made aware of the costs of my repairs and what they would be at first, essentially leaving me in a situation where I could not afford the payment or they would not release my car. They told me they use easypay. I signed up for easypay, but due to XXXX at work I could not make a payment to discharge the debt at 90 days. They tacked on massive amounts of interests, that essentially is now unpayable. The interest rate of 141 % APR is very unfair and predatory. I've already paid {$300.00} towards interest, which is absurb in such a short amount of period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I HAVE BEEN ATTEMPTING TO COMMUNICATE WITH FREEDOM MORTGAGE SINCE MY FATHER PASSED AWAY. EVERY SINGLE PERSON I SPOKE WITH ASKED FOR DOCUMENTS SUCH AS MY ID, DEATH CERTIFICATE, AND BIRTH CERTIFICATE. FINALLY OF MONTHS TRYING TO COMMUNICATE I AM TOLD I NEED A LETTER OF ADMINISTRATION. I ASKED FREEDOM MORTGAGE HOW DO I OBTAIN THIS LETTER? THE REPRESENTATIVE TOLD ME I NEED TO GO THROUGH PROBATE FOR THIS, AND SO I DID. THE REPRESENTATIVE AT FREEDOM MORTGAGE NEVER EXPLAINED TO ME THAT THIS PROBATE IS A PROCESS AND IT TAKES TIME TO GET THESE LETTERS OF ADMINISTRATION. I HAVE BEEN COMMUNICATING WITH FREEDOM MORTGAGE WHAT THE OUTCOME OF MY COURT HEARINGS HAVE BEEN. TODAY I AM FINALLY GIVEN THE LETTER OF ADMINISTRATION BY THE COURT HOUSE AND FREEDOM MORTGAGE IS NOW STATING THEY ARE UNABLE TO ASSIST ME WITH POSTPONING THE TRUSTEE SALE DATE OF XX/XX/year>. I HAVE DONE EVERYTHING THAT FREEDOM MORTGAGE HAS REQUESTED OF ME. I HAVE ATTEMPTED TO COMMUNICATE WITH FREEDOM MORTGAGE EVERY SINGLE STEP OF THE WAY WITH THIS ENTIRE PROBATE MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation