vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, initially requested my PMI to be removed because I'd paid down my mortgage to more than 78 % of the original loan at that point. Additionally, I had requested that I wanted to make XXXX payments every XXXX weeks vs. the XXXX payment. They assured me this could be done, but over 6 months, they kept sending me letters and calling me that I was defaulting on my loan, only to find out that my payment was going to a completely different account because they had failed to send me the correct Account # when my loan was taken over by them in XX/XX/XXXX. It took literally 6 months to get the payment allocations corrected. 

I kept emailing every month and calling asking for PMI dept. NewRez reps kept telling me they could not transfer me because PMI dept was an internal dept and I could only communicate w/ them via email or writing a letter and mailing it. 

I finally received a response from them on XX/XX/XXXX ... ONE YEAR AFTER my initial request!!! The letter was automated telling me that in order for the to simply consider removing PMI, I had to send them a payment of {$190.00}, to pay for an investor-approved property valuation!!! I now had to pay them for their mistake of continuing to charge me PMI ( which was $ XXXX monthly ). 

I called them today demanding that they remove PMI again and that I would not be paying for the valuation. The rep was kind and said he would again forward my request to the PMI department and I should hear back within XXXX hours. This has been promised to me every time I call and I never receive a call back, so not holding my breath! 

At this point, I'm gathering proof, so that I can take them to small claims court, but not before I blast this horrible experience all over the internet! 

There really needs to be a situation where the we as consumers can switch to other lenders simply due to their lack of customer service.

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 2025-01-02 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion for failing to investigate a dispute I submitted regarding inaccurate information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail, using tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I requested an investigation into inaccurate items on my credit report and also disputed incorrect personal information listed on my report. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is concerning because, under the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the accuracy or completeness of any item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. It is clear that TransUnion has failed to fulfill its obligations under the FCRA by not conducting an investigation after receiving my dispute. 
As evidence of my dispute, I am including a copy of my original dispute letter, USPS certified mail proof of delivery, and TransUnions response.

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 2025-01-02 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:
Dispute letter sent with identification. Company is refusing to start dispute.

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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My credit card was stolen, it was a card I barely used so by the time I realized it was stolen the thief already made the charges. Wells Fargo allows the thief to charge {$3500.00} OVER MY CREDIT LIMIT my credit limit was around {$3000.00} and they allowed the thief to charge almost {$7000.00} in purchases. I tried to talk to the fraud department at Wells Fargo they did not help. 

I filed a police report with the XXXX. The theif took my card and WAS ALLOWED TO CHARGE {$7000.00} which was {$3500.00} OVER THE CREDIT LIMIT. This is fraudulent and should never have been allowed to happen. This happened in 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are a lot of misspellings of my name and also old addresses that are not deliverable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-01-02 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:
Subject : Request for Removal of Inaccurate Account Information Account Number : XXXX Dear XXXXXXXX XXXX XXXX, I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.

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 2025-01-02 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:
Subject : Request for Removal of Inaccurate Account Information Account Number : XXXX Dear XXXXXXXX XXXX XXXX, I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
My information and Identification has been compromised

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 2025-01-02 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
I have a CD for an initial value of {$68000.00} with Popular Direct. This CD matured on XX/XX/XXXX. 

I received a maturity notice on XX/XX/XXXX, noting the account would mature in 1 month time, but noting nothing about the automatic renewal. 

Upon checking the terms and conditions, it noted I had 10 calendar days from maturity to cancel any renewal. 

On the XXXX calendar day ( XX/XX/XXXX ), I attempted to cancel the renewal of this account. The call center was closed this day -- but I was given no notice in advance of such a closure, so as to factor in to my timelines for closing the account. Importantly, on Popular Direct 's website, it notes their call center is open 7 days a week, and makes no note of being closed on holidays ( see screenshot attached ). 

Upon finding the call center was closed, I attempted to register for online banking for this account, but was unable to without information provided by the call center ( last statement balance ) -- but the call center was closed so I was not able to get this information an not able to gain access to online banking As a result, I attempted to cancel the account on XX/XX/XXXX XXXX  via the call center ( call time of XXXX ). 

Popular Direct refused to cancel my account without penalty of 270 days interest ( ~ $ XXXX ) citing the terms and conditions of 10 days grace period, despite them admitting it would have been impossible for me to cancel the renewal on the XXXX calendar day, as they were closed. 

Given no notice of the call center closure was provided to me, I had planned to close the account on the XXXX calendar day, XX/XX/XXXX. This proved impossible due to Popular Direct 's unannounced closure. 

As a result, I dispute that a penalty is payable to close this CD account on XX/XX/XXXX, as it was impossible for me, given Popular Direct 's noted vs actual working hours, for me to close the account on the XXXX calendar day of the grace period. I duly attempted to close the account as soon as practical thereafter, on XX/XX/XXXX. 

Popular Direct 's terms and conditions were not fair and reasonable in this circumstance, given explicit mention of their normal working hours on their website, no mention of any planned contact center closures -- making it impossible for me to abide by their terms and conditions on the XXXX calendar day ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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.
State: FL

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach of your institution, resulting in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. 

This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are legally required to act swiftly and decisively to resolve this issue. 

Fraudulent Accounts : DPT EDXXXX Account Number : XXXX, Balance : {$750.00} DPT EDXXXX Account Number : XXXX, Balance : {$270.00} DPT EDXXXX Account Number : XXXX, Balance : {$33000.00} DPT EDXXXX Account Number : XXXX, Balance : {$330.00} DPT EDXXXX Account Number : XXXX, Balance : {$400.00} These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable. 

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. 

These laws are clear and non-negotiable. I expect immediate action to remove the fraudulent accounts, stop all collection activities, and provide written confirmation of such within the legal timeframe. 

Final Demand for Resolution I would like to remind you that this issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation. 

Failure to comply with the law and resolve this issue will result in severe consequences. This is a final demand for immediate and complete resolution of the matter. I expect confirmation in writing that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have been immediately ceased. 
Should you fail to take the necessary actions within the specified timeframe, I will have no choice but to escalate this issue through every available legal and regulatory channel, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 

This is your final warning. I expect this matter to be resolved immediately.

Company response to consumer: Closed with non-monetary relief