vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XXXX of XXXX during a freeze my hot water heater burst causing significant damages and because, I nor the kids were home it made it worse unfortunately. Thousands XXXX XXXX XXXX in repairs of interior/exterior structure + a new hot water heater and all the labor and materials. I dont use credit so I was spending cash for the repairs and asked PennyMac if I can forego 1 payment and they came up with this solution : Forego a month and pay it back in thirds.

That Agent input it incorrectly and then the next Agent in XXXX did input it correctly. 
So then she suggested to pay the normal amount plus late fee and the agreement was : XXXX XXXX XXXX + XXXX XXXX + XXXX They did not tell me that they were going to smack my credit report 4 times for late payments with this agreement. I certainly understood ONE month, but not 4. 

After repeated phone calls to the Escalation Dept, advising that each month was paid inside the month it was due plus 1/3 per the Agreement, I was unsuccessful. 
I paid : XX/XX/XXXX XXXX ( incl late fee ) XXXX XXXX XXXX XXXX XXXX XXXX Review tapes and hear the Agent NOT say this will affect your credit report FOUR times ( for 4 months ) and now I cant get a pre-approval for a new loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 


Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX DOB : XX/XX/year> XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX RE XXXX Remove a collection : The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

Name : MIDLAND CRED Date created : XXXX XXXX Balance : {$240.00} Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
My concerns regarding Zelle handling disputes. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency was unacceptable and raise serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
Around the time period of XXXX, XXXX UNIFIN began calling me, I sent them written notice with the date of the original call " Tuesday XX/XX/XXXX at XXXX XXXX '' In the letter I detailed them " your calls only hurt and deny the ability for me to engage in free will in which my mind would not be altered to perform daily duties '' I even detail my suffering is based on the fact they are using their entity to commercially harass me. As they do not have my consent to call me. I even formally go on to ask for a bill of sale and all records revolving the reasons as to why they are calling and I never received anything in the mail. Now they've proceeded to call me almost daily after being to told stop these harassing calls. 
They received the letter XX/XX/XXXX at XXXXXXXX XXXX verified certified mail XXXX XX/XX/XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CT

Complaint narrative:
I recently review a copy of my personal credit report and notice a few fraudulent accounts on my report. I would like to have these accounts remove from my reports as they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Against XXXX XXXX XXXX Account No. XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

XXXX XXXX XXXX has continued to communicate with me regarding the alleged debt associated with Account No. XXXX, despite my explicit written request that all communication cease. I sent a cease-and-desist letter to XXXX XXXX XXXX on [ date you sent the letter ], requesting that they stop all forms of communication with me regarding this matter, except to provide written validation of the debt or to notify me of specific legal remedies they intended to pursue. 

Despite my request, XXXX XXXX XXXX has continued to contact me, violating federal law. In addition, I am disputing the validity of the debt and have requested : 1. Written validation of the alleged debt, including an itemized accounting of the amount claimed. 
2. Documentation proving XXXX XXXX XXXX legal authority to collect this debt. 

To date, XXXX XXXX XXXX has failed to provide the requested validation and continues to engage in collection activity. Their actions are causing undue stress and are in direct violation of 15 U.S.C. 1692c ( c ) of the FDCPA.

Requested Resolution : 1. I request that the CFPB investigate XXXX XXXX XXXX practices and ensure compliance with federal law. 
2. XXXX XXXX XXXX should provide the requested written validation of the alleged debt and cease any further communication with me unless it complies with FDCPA requirements. 
3. Any violations of federal law by XXXX XXXX XXXX should be addressed with appropriate penalties or enforcement action. 


Thank you for your assistance in resolving this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX Submission Instructions : 1. Submit the letter via the CFPBs online portal ( https : //www.consumerfinance.gov/complaint/ ) or mail it to their address. 
2. Include copies of supporting documents, such as the certified mail receipt of your cease-and-desist letter and any correspondence from XXXX XXXX XXXX. 
3. Retain a copy of the complaint for your records. 

Let me know if you need further 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XXXX XXXX in a med sch alumni meeting at XXXX XXXX, XXXX, NV, I signed up with XXXX XXXX XXXXXXXX under duress ( Sign up now or lose an 80 % discount ) for XXXX XXXX and XXXX XXXX XXXX for {$8400.00} which I charged to my Chase VISA. XXXX. 
Upon research, we found multiple complaints against XXXX XXXX XXXX in XXXX XXXX XXXX including outstanding lawsuits. 
I rescinded from the Contract with XXXX XXXX  XXXX in writing and by phone within 3 days and called Chase ViSA to hold payment to XXXX XXXX XXXX immediately. I was told, No Problem by Chase. 
However, in XXXX, Chase VISA went ahead and paid {$8400.00} to XXXX XXXX and started charging me interest. I disputed the payment and the interest charges. 
I discontinued the Chase VISA Credit card, and continued to dispute the charges. To stop further interest charges I paid Chase the full amount including interest. 
Finally, XXXX XXXXXXXX refunded me {$8400.00} in full and they informed Chase about the refund directly. 
I requested Chase VISA Executive Officer to refund me the interest I was charged on a disputed payment which in fact Legally Mine eventually refunded. 
Chase ViSA however refuses to refund me the interest charges approximately {$300.00} on a disputed payment which they should not have paid in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 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 writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$9400.00} XXXX XXXX XXXX - {$4900.00} XXXX XXXX XXXX - {$5100.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DISPUTE DPT Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I provided, on time, to open and, on time, appeal after this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for. 
WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. 
I tried to appeal several times without without having adequate support by WellsFargo. 
WellsFargo did not gave me any notice on time but I provided additional information to appeal right away as soon as I find out about the wrong and false merchant respose.

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 2025-01-21 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: MS

Complaint narrative:
Experian has failed to fulfill irs legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved.im requesting immediate corrective action to remove or amend the disputed accounts, as experienced inaction violates federal law and my rights as a consumer

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 2025-01-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Regarding complaint ID number XXXX. I am writing regarding the dispute I submitted on XX/XX/year>, concerning inaccuracies in my credit report. As of today, 40 days have passed, and I have not received a response to my dispute. This delay constitutes a violation of federal law. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit reporting agencies are required to investigate disputes and respond within 30 days. This timeframe can extend to 45 days if additional information is provided, which does not apply in this case as no further information was requested or submitted. Additionally, inaccurate information in a credit report violates the FCRAs provisions under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies maintain maximum possible accuracy in consumer reports. The failure to correct or address these inaccuracies exacerbates the harm caused to me as a consumer. Due to the above violations and non response to a request for investigation, XXXX must now delete the following accounts. Copies of my Driver 's License and Social Security card are attached for verification of my identity. I demand immediate deletion of the following accounts do to violation of the laws mentioned above. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a hard inquiry notification on my XXXX XXXX account ( XXXX? ). I additionally received an email from Chase thanking me for applying for a Chase credit card. I did not apply for a Chase credit card. My name was spelled incorrectly in the email as well ( XXXX ). I believe someone is trying to commit identity fraud. When I attempted to call Chase, I was unable to speak to anyone because it kept asking me to input my account or card number. I do not have either because I am not affiliated with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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