vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding the XXXX  XXXX account ( Account Number : XXXX ). Despite my initial dispute, I have yet to see a resolution from your bureau, while both XXXX and XXXX have already addressed this issue by updating the account to reflect its accurate status as a closed and positive 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 non-monetary relief
Consumer complaint received 2025-01-05 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I called the company after 6 months of living in the home. I contacted the company to ask about the modification process and proceed to apply. I was contacted and told I was approved and I will receive paperwork in the mail via XXXX a month and a half went by still did not receive the paperwork. I contacted them again a second representative confirmed that I was approved for the modification and that I will receive papers via XXXX. I will not have to pay my mortgage for three months until the new payment started two months go by I received a certified letter stating the home was going into foreclosure. I hired the attorney. They tried to get the modification and I was still denied due to original loan underwriting messed up somewhere. So now I am forced to file bankruptcy in order to keep my home. There was no type of Help from this company. I believe the employers that told me I was approved shouldve be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a formal request to Newrez for the cancellation of PMI on my mortgage loan. As of today, XX/XX/XXXX, I have not received any response, despite the fact that my Loan-to-Value ( LTV ) ratio has fallen below 78 %, making me eligible for PMI cancellation under the terms of the Homeowners Protection Act ( HPA ). 

I attempted to resolve this matter directly by following up with Newrez multiple times, including calls and emails. However, I have received no acknowledgment or resolution of my request. This lack of responsiveness has caused unnecessary frustration and financial burden, as I continue to pay PMI premiums despite meeting the eligibility criteria for its removal. 

I am requesting the CFPB 's assistance to ensure Newrez promptly addresses this issue, reviews my PMI cancellation request, and provides a clear explanation for the delay in compliance with the Homeowners Protection Act. 

Thank you for your attention to this matter. I appreciate your support in holding Newrez accountable and ensuring they fulfill their obligations. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to address violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, XXXX and XXXX. Specifically, all entities have failed to add a notice of dispute to my credit file, despite my submission of certified disputes in XXXX and XX/XX/XXXX. 



The FCRA, under Section 611 ( a ) ( XXXX ), requires credit reporting agencies and furnishers to add a notice of dispute to a consumers credit file when a consumer disputes the accuracy of information. This obligation applies to both TransUnion XXXX XXXX, as a credit reporting agency, and XXXX, as the furnisher of information. 



Timeline of Events : XXXX. XX/XX/XXXX : I sent a certified dispute letter to TransUnion and XXXX Credit Card disputing the accuracy of information on my credit file. XXXX XXXX. XX/XX/XXXX : I sent a follow-up certified dispute to ensure receipt and acknowledgment of my previous request. XXXX XXXX. XX/XX/XXXX : Upon reviewing my credit file, I found that neither TransUnion, XXXX, nor XXXX  Credit Card had added a notice of dispute to the information in question. 



Violations : TransUnion & XXXX : Failure to update my credit file with the required notice of dispute as mandated under the FCRA. 

XXXX : Failure to report the information as disputed to TransUnion after being formally notified of the dispute. 



Impact : The lack of a notice of dispute misrepresents the status of my credit information and has caused harm to my financial reputation. Additionally, it undermines my ability to resolve inaccuracies within my credit report in a fair and timely manner.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my XXXX XXXX and overall financial health. 

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am following up on my final demand letter dated XXXX XXXX XXXX regarding unresolved negative accounts on my credit report. These accounts continue to reflect inaccuracies that have not been addressed, despite multiple previous attempts to rectify the issue. The lack of resolution is unacceptable and requires your immediate attention.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Recently I received another back and forth communication exchange associated with a debt that I am not responsible for. The data that Portfolio Recovery Associates ( PRA ) returns to me is inaccurate information, time and time again.

My response appears somewhat redundant when reviewing other complaints I have submitted regarding this account, it is a simple series of simple requests for information for me to review in this matter. I have not received the information, nor do I think that PRA is compliant with the U.S.C.s or FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
Under the FCRA, these inquiriesmust be deleted if they were made without your permission and are the result of identity theft. A mechanic shopfraudulently used my identity for an auto loan I didnt authorize. My report found the investigation was closed after 24 hours on the grounds that doingso was a violation of proper review procedures. I will take legal action for non-compliance if these inquiriesare not removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, Capital One closed my account [ Account Number ]. Despite the account being closed, they continue to report late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year> on my credit reports. This is inaccurate and misleading, as no payments were due after the account closure date. 

Additionally, Capital One has failed to issue a 1099-C Cancellation of Debt, which is required under IRS regulations if the debt was canceled or written off. The absence of a 1099-C raises questions about the legitimacy of the charge-off status and whether Capital One has properly handled this account.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), Capital One and the credit bureaus are required to ensure the maximum accuracy of the information they report. Reporting late payments for months after the account was closed violates this requirement and damages my creditworthiness. 

I have previously disputed this matter with the credit bureaus and Capital One, but the issue remains unresolved. Capital One has failed to correct its reporting, validate the debt, or provide evidence that payments were due after the account closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
I disputed inaccuracies on my Experian credit report by mailing my dispute and supporting documents. The documents were sent via USPS certified mail and were delivered to Experians front desk, reception area, or mailroom on XX/XX/2024, at XXXX XXXX  in XXXX, TX XXXX, according to the USPS tracking information. Despite this, Experian claims they never received my dispute. 

I have provided proof of delivery, including the USPS tracking number, to demonstrate that my dispute was received. Experians claim that they did not receive the dispute is untrue and appears to be a stalling tactic to avoid addressing the inaccuracies on my credit report. 

I am requesting that the CFPB intervene and require Experian to acknowledge receipt of my dispute, process it properly, and conduct a thorough investigation into the disputed items to ensure the accuracy of my credit report.

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 2025-01-05 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: NJ

Complaint narrative:
**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above. 
Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately. 
Thank you for your attention to this 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
Consumer complaint received 2025-01-05 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: SC

Complaint narrative:
I've recently looked at my credit report and noticed some inaccurate reporting by : 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 2025-01-05 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-06 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXX  I have discovered two accounts that I did not open, and I believe my personal information has been compromised. Details of the Fraudulent Accounts : XXXX. Account Number : XXXX Date Opened : XX/XX/year> XXXX : {$1800.00} XXXX. Account Number XXXX Date Opened : XX/XX/year> Balance : {$2900.00} XXXX first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that XXXX XXXX XXXXXXXX take the following actions : XXXX. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( Equifax, XXXX ). XXXX. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: VA

Complaint narrative:
I recieved a debit card in the mail from Cash App on XX/XX/year>. I am not a Cash App user nor have I ever had an account with them so I couldn't have requested the card. I then called Cash App customer support on XX/XX/year> three separate times. Each time I explained the fraudulent account, and I was directed to send pictures of the card to them via email. I did so and have not heard any communication back. I have had this happen in the past with other financial institutions, and they have happily closed the account, marked it as fraud and blocked my SSN from being used with a simple phone call. However, Cash App is making closure of the account nearly impossible and is making me go through great lengths to resolve this issue. I do not want to be held accountable for whatever this person is doing with this account in the future using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
I am writing to formally dispute the handling of my personal information in relation to the XXXX data breach. My personal information was compromised during this breach, and I was never notified about it. I discovered that my information was involved by checking the XXXX website. 

XXXX also has listed on my report address XXXX XXXX XXXX, I want dispute the following items and an incorrect address listed on my credit report. The address " XXXX XXXX XXXX '' is not my address, and I am requesting removal of these items to be immediately from my credit report. Furthermore, I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue. I believe that your failure to notify me of the breach is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 


! request that you investigate this matter and provide an explanation for the lack of notification. Additionally, I expect XXXX to take appropriate steps to mitigate any potential damage caused by the breach and to ensure that such violations do not occur 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 explanation
Consumer complaint received 2025-01-05 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:
I am filing a formal dispute regarding inaccurate late payment information reported on two XXXX XXXX accounts on my credit report, which violates federal law and negatively impacts my credit standing. This dispute involves Experians failure to ensure the accuracy of the information they report, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ).

The two accounts in question are as follows : XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Reported Late : 30 days past due XXXX XXXX, 30 days past due XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Reported Late : 30 days past due XXXX XXXX XXXX days past due XX/XX/XXXX Upon reviewing my records, I believe the late payments reported on these accounts do not accurately reflect the timing of my payments, as outlined by the Truth in Lending Act ( 15 U.S.C. 1666b ). According to this law, a payment is considered timely if it was transmitted in a manner ensuring its delivery to the creditor by the due date. Based on my records, I made my payments within the allowed grace period. It seems the payments were incorrectly processed as late due to an error on XXXXXXXX XXXX part. 

Furthermore, the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that consumer reporting agencies maintain procedures to ensure the maximum possible accuracy of information. The inaccurate reporting of these late payments violates that requirement and negatively affects my credit report.

I request the following actions : -Immediate correction of the late payments for the two XXXX XXXX accounts to reflect " on-time '' status. 
-Written confirmation that the inaccurate information has been updated. 
-Removal of any penalties, fees, or negative marks associated with this error. 

I have attached supporting documentation to verify my claim, including payment receipts and billing statements. I request that this matter be investigated promptly. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

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