vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Cross Country Mortgage for violating my rights under the Servicemembers Civil Relief Act ( SCRA ) by reporting late payments on my mortgage while I was on XXXX XXXX. Despite notifying the mortgage company of my military service and providing the necessary documentation, my calls and correspondence were ignored, and they continued to report late payments to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Details of the Complaint : Protection Under SCRA : The SCRA ( 50 U.S.C. 3937 ) provides active-duty servicemembers with financial protections, including provisions to avoid penalties for late payments on certain financial obligations, such as mortgages. I notified Cross Country Mortgage of my XXXX  status and submitted all required documentation to invoke my rights under this law. However, the company failed to honor these protections. 

Improper Credit Reporting : Cross Country Mortgage reported late payments on my mortgage to the credit bureaus, despite being informed of my XXXX  status. This action violates the FCRA ( 15 U.S.C. 1681c-2 ), which requires accurate and fair reporting of credit information, especially when federal protections like the SCRA are in place. 

Ignored Communications : I made multiple attempts to resolve this issue directly with Cross Country Mortgage, including phone calls, emails, and submission of supporting documents. My efforts were disregarded, leaving me with no choice but to file this complaint. 

Harm Caused : The improper reporting of late payments has negatively impacted my credit score and financial standing, causing significant stress and hindering my ability to secure credit and other financial opportunities. 

Relief Requested : I request the immediate removal of all late payments reported during my active-duty service from my credit reports with the three major credit bureaus. 

I request that Cross Country Mortgage provide a written explanation and acknowledgment of their failure to comply with the SCRA and their commitment to ensuring compliance in the future. 

I request that the CFPB investigate this matter and take appropriate action to ensure Cross Country Mortgage adheres to federal laws protecting servicemembers. 

Proposed Resolution : To address this issue, Cross Country Mortgage must fulfill its obligations under the SCRA and the FCRA by promptly removing all late payment records from my credit reports. Failure to comply will leave me with no alternative but to explore further legal options to safeguard my rights. 



Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Accounts and Violations of FCRA by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues with inaccurate accounts on my credit report, stemming from the Equifax data breach. Despite being a victim of identity theft and having provided the FTC Identity Theft Report, the following accounts continue to be reported incorrectly on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) : 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 According to Section 1681b of the FCRA, any information resulting from identity theft should be blocked or removed within 14 days of the notification. Despite this, Equifax has failed to comply with the law, and these accounts are still being reported as if they are legitimate, negatively affecting my credit report and financial standing. 

I have already provided the Federal Trade Commission ( FTC ) report confirming my identity theft status, and I have been in contact with Equifax. However, they have failed to take proper action. I respectfully request that the CFPB investigate this matter and take appropriate steps to ensure that Equifax complies with its obligations under the law. 

If this issue is not resolved, I will have no choice but to pursue legal action against Equifax for these violations of my rights under the FCRA. 

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

Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXXXXXX  WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 non-monetary relief
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.

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: 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: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship cre inquiry made not by me in XXXX no contact info listed XXXX inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX XXXX XXXX inquiry made not by me on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
I reported identity theft of my information, that a family member had used my information in the past. I reported that the debt was not mine. Both Americollect Inc ( collection agency ) nor the originators of the alleged debt, XXXX XXXX XXXX, responded to me directly regarding correcting this incorrect and damaging information against my personal credit. I am respectfully demanding that the collection and debt information be immediately removed from my credit report.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attached is a copy of the complaint I sent Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX Georgia XXXX To whom it may concern. 
I recently received a copy of my credit report. And I noticed some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX. 
Child support XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 B. Permissible purpose. Of Consumer Report THE LAW STATES : ( a ) In General Subject to Subsection ( c ) any consumer reporting agency. May furnish a consumer report under the following circumstances. And no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, The Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), The term Consumer Report Does not include- ( A ) Subject to Section 1681s-3 of this title, any ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 
DELETE the above late payments from my consumer report This agency is in violation of 15 U.S.C.1681 Failure to respond satisfactorily with deletion of the above referenced account, And send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company for which I will also be seeking {$1000.00}. Per violation for : 1.Defamation of character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practice Act 15 U.S.C. 1692g Violations 4.Fair Credit Reporting Act 15 U.S.C. 1681 Violations for willful non-compliance-616 Civil liability for willful non-compliance ( 15 U.S.C. 1681n ) Best Regards, 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
NOTICE TO AGENTS IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE

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: MI

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

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: 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: MI

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-10 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: MN

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/year>, my husband and I returned our Audi XXXX  to the dealership. They did not advise or conduct a vehicle inspection with us present, but instead sent the vehicle to action, where the final inspection was conducted. Approximately 4 months later we received our last bill that included charges in the upward amount of {$3000.00}. The initial invoice mentioned a missing charging cable, which I knew to be false as we never used the cable given we had a charging station installed at our home.I called the financial service company immediately who shared my account had been updated as the notes reflect I had returned the cable. I shared with the phone agent that was false information as I never returned the item, nor was it ever missing. I requested to be sent the inspection report to review the other charges that I also believe were inaccurate. My request was escalated to a supervisor and I never heard back nor received the inspection report. For the last 6 months my husband and I both have called requesting more information and have been told either the agent would look into it, or that it was not available as they do not have an inspection report on file. We are simply asking to prove the charges are legitimate so that we can settle our account fairly.

Company response to consumer: Closed with monetary relief
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: EQUIFAX, INC.
State: KY

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons.

I haven't given these accounts written permission to furnish these accounts on my credit report

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 — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX - XXXX - {$36000.00} XXXX XXXX - XXXX XXXX {$3300.00} XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NE

Complaint narrative:
I submitted multiple disputes with experian and XXXX and they turn around in less than 2 weeks and tell me that the information was verified as accurate. They did not provide me with any documentation proving the debt belongs to me or an itemized document explaining any of the charges.

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 — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
A assumed a loan trough Freedom Mortgage in XX/XX/year>. The loan has been put in my name and I am making the monthly payments. Freedom Mortgage is unable or unwilling to give me online access to my account.

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