vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have been trying to modify my mortgage for over a year. My husband passed away and I was back and forth from XXXX XXXX XXXX. It took mortgage company 11 mos to approve modification. The 1st payment due was not the amount it should have been although their system automatically took the payment. They claim since it wasnt the right payment it knocked the modification out and now they have referred my loan to an attorney although my modification review is back in process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CO

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submission, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX, which mandates a responsible investigation of disputes. Furthermore, XXXX  actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceedings I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Dates XX/XX/year>

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 2025-02-21 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: PA

Complaint narrative:
In regard to account XXXX XXXX XXXXXXXX account Number XXXX I am writing to dispute inaccurate information on my credit report and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, regarding permissible purposes of consumer reports I am requesting that you thoroughly investigate these matters, correct the inaccurate information, and provide me with the requested accounting of who has accessed my report. Failure to comply with the FCRA, including XXXX XXXX XXXX, can result in legal 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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to dispute the accuracy of information listed on my credit report related to an account with account number XXXX, which is reported by LVNV Funding LLC. I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 i7 ) to request verification of this account.

I have no record or recollection of entering into any contractual agreement with LVNV Funding LLC, nor have I authorized them to report information related to this account on my credit report. Therefore, I am requesting detailed verification of this account, including any documentation that establishes the validity of the debt being reported under my name. 

I urge you to conduct a thorough investigation into this matter and provide me with the required verification within the specified timeframe. It is crucial that my credit report accurately reflects my credit history and any errors or inaccuracies are promptly addressed. 

Thank you for your attention to this matter. I look forward to receiving the verification requested. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX XXXX XXXX provided false /fake paperwork to steal my mother 's ( XXXX XXXX XXXX XXXX money XX/XX/XXXX wrote herself a check for {$13000.00}. On XX/XX/XXXX took {$2000.00} and opened herself a savings account and took {$1000.00} and deposited into her savings from my mother 's direct deposit from social security. As of XX/XX/XXXX. I was/am legal POA of my mother 's medical and financial affairs. The paperwork was notarized by XXXX XXXX of XXXX bank and acct refected that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my credit report by XXXX XXXX. According to my records, I did not make a payment arrangement nor did I acknowledge that my account was past due. Therefore, I believe this late payment has been incorrectly reported and must be removed under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ). 

Account Details : Creditor : American Acceptance Account Number : [ Your Account Number ] Date of Alleged Late Payment : XXXX days past due Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. I am requesting that this late payment be removed immediately unless the creditor can provide documented proof that the report is accurate. If XXXX XXXX can not validate this late payment with legitimate evidence, it must be corrected as required by law. 

Please investigate this matter and provide written confirmation of the outcome. If this error is not corrected, I am prepared to escalate this dispute Federal Trade Commission ( FTC ) for further review. 

I expect a response within XXXX  days, as required by the FCRA. Thank you for your prompt attention to this matter. 

Kind Regards 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 2025-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello. 

XXXX requested an escrow waiver from Chase Mortgage on XX/XX/2025. 
XXXX purchased a new insurance policy on XX/XX/2025, and I made my first payment based on the payment plan agreement. 
XXXX sent the info regarding the new policy to Chase XXXX XX/XX/2025. I also informed Chase that I started making payments. 
XXXX received a letter from Chase dated XX/XX/2025 letting me know that my escrow would be waved on XX/XX/2025. 
- Chase decided to pay my insurance and spread the cost over my monthly mortgage payments after I already purchased a policy and already received a date from Chase for the escrow to be waived. 
I made several attempts to get it corrected. I only received confusing messages from different individuals from Chase. Please help! 

With gratitude XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4000.00} Charge off XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$1000.00} Charge off XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$4400.00} Collection XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Date filed XX/XX/XXXX Reference XXXX XXXXXXXX Bankruptcy Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXXon my credit account. 
As an authorized user of this account ( Credit Card under my wife 's name XXXX XXXX XXXX XXXX XXXXXXXX ). I have maintained a consistent history of timely payments for several years. However, Capital One reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including email, text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. If the reported information can not be verified, it must be corrected or removed. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. Capital One failed to do so in this case.

Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If Capital One can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 non-monetary relief
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
I am reaching out to report multiple inaccuracies in my credit file, such as incorrect account listings, an unfamiliar collection, unauthorized inquiries, and billing errors. I kindly request your assistance in resolving these issues to protect my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
Inaccurate Information Related to Repossession and Potential Violation of 15 USC 1681b ( a ) ( 2 ) Account XXXX XXXX XXXX XXXX Account # XXXX I am writing to dispute inaccurate information on my credit report concerning a vehicle repossession and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ), regarding permissible purposes of consumer reports.

Inaccurate Information Regarding Repossession : ** My credit report incorrectly states the following regarding a vehicle repossession : Date of Open is incorrect, Amount Owed : Incorrectly listed as {$14000.00} The correct amount owed is {$0.00} Last Report Date is incorrect **Potential Violation of 15 USC 1681b ( a ) ( 2 ) : ** I am concerned that my credit report may have been accessed for impermissible purposes related to this repossession. 15 USC 1681b ( a ) ( 2 ) specifically allows for credit reports to be furnished in connection with a credit transaction involving the consumer. However, I believe there may have been an impermissible purpose for someone accessing my credit report. .I was denied credit by XXXX and they stated the reason was related to the repossession information, but I never applied for credit with this company. '' ] I request a full accounting of all parties who have accessed my credit report concerning this repossession within the past 4 years so I can verify that all access was for permissible purposes under 15 USC 1681b, specifically related to the original credit transaction.

I am requesting that you thoroughly investigate these matters, correct the inaccurate information related to the repossession, and provide me with the requested accounting of who has accessed my 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