vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I purchased this XXXX in XXXX XXXX. It was a XXXX XXXX with a down payment of XXXX with a total of XXXX remaining, and additional {$440.00} for HOA fees. The first loan company was Caliber home loans and has transferred to Newrez. I hired an inspector before purchasing and the report didnt mention sewage backups. ( 6 ) months after living in residence and twice a year since, backups was happening prior before moving here. I sent letters and spoke to management about the issue, but it was never addressed. The XXXX XXXX was fixing minor problems, and never helped the home owner with a devastation such as sewer backups inside my residence. I didnt know what to do and constantly stayed in fear while I was at work and trying to enjoy life. Ive paid so much out of pocket for adding additional insurance because of this. Im a XXXX XXXX  thats trying to make it, but this out of pocket expenses has broke me. The Management has changed to new personal, and immediately I made them aware of my issue. The answer they gave me was that they were unaware, and the problem still wasnt addressed. Finally on XXXX, XXXX there was a really bad backup which cause the ( 6 ) unit building to evacuate to hotels. ( 4 ) of the units were able to go home the next day I believe, if Im not mistaken and I had to remain in the hotel for 30 days. The XXXX of XXXX XXXX still had the lower levels condemned until the problem gets addressed. My insurance is even higher now. Caliber loans give me so much XXXX about making sure I can pay them back, but do to the circumstances? Im not sure, I have to work 10x harder for a place thats not worth it. I need guidance on this. What can I do? I feel taken advantage of by everyone.

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 2025-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: GA

Complaint narrative:
First, your assertion that my correspondence contained tailored documents attempting to extinguish or discharge the loan without satisfying the obligation is misleading and inaccurate. The fact remains that I made a payment on XX/XX/year>2024, which your own records confirm was received. Furthermore, I have a recorded conversation with your agent, who explicitly stated that my payment was received and applied to my principal balance. The agent also acknowledged that my intent was to pay off the loan in full, at which point she placed me on hold to contact the accounting department. Upon her return, she informed me that part of the funds were being reallocated to cover escrows and interest to bring my account current. Despite this, my account remains in arrears due to LoanCares improper application of funds. 
Additionally, I possess a domestic return receipt signed by XXXX XXXX, further proving the receipt of my payment. Your failure to properly account for and apply this payment constitutes a material breach of contract and places LoanCare in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive contacted the credit bureaus time and time again to get the inquiries and problems solved with my credit and they havent really budged so Im coming here. These are the inquiries. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information on my credit report, and I am requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Upon reviewing my credit report, I have identified the following information that I believe to be inaccurate or incomplete : Debt Collector Information : Agency Name : Caine & Weiner Contact Information : XXXX XXXX XXXX XXXX XXXX, CA XXXX Debt Information : Debt Amount : {$540.00} Original Creditor : Caine & Weiner Account Number : XXXX In accordance with 15 USC 1681i ( a ) ( 7 ), I request that you conduct a thorough investigation of the disputed information. If you can not verify the accuracy of the disputed information within the 30-day period, please ensure that the information is corrected or removed from my credit report.

Additionally, I request that you provide me with the following validation : Proof of the Debt : Please provide a copy of the original signed contract or agreement showing that I am liable for the debt.

Details of the Debt : A breakdown of the total amount owed, including the original amount, interest, fees, and any other charges added.

Creditor Information : The name of the original creditor, the account number, and their contact information.

Proof of Assignment : If the debt has been sold or transferred, please provide proof that you are legally authorized to collect on the debt.

Verification of Timeliness : The dates of all transactions, the last payment, and the date the debt was reported.

Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. Until I have received the necessary validation, I respectfully request that you cease any collection efforts, including reporting this debt to credit bureaus, until the matter is resolved.

If you are unable to provide the requested validation, I expect that the debt will be removed from my records, and any further attempts to collect on it will be ceased immediately.

Thank you for your prompt attention to this matter. I look forward to your response in accordance with the 30-day timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The business/lender make it difficult me, their consumer to see and be able to validate the charges made to my account. Only making the last XXXX  months of statements available online, I was charged XXXX interest on purchases which I can not confirm/review because that purchase detail is not readily available. Additionally, when requesting historical data/statements, lender would not provide any reference or case # to my request for me to reference in future should they end up not physically mailing the paper statements over the next XXXX weeks.

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 monetary relief
Consumer complaint received 2025-03-26 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-26 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00XXXX XXXX XXXX XXXX BALANCED {$3700.00} XXXX XXXXXXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-25 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep concerns about Zelles inadequate handling of transaction disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed in XX/XX/XXXX against Zelle and its operator, Early Warning Services, along with three major banksXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. The CFPBs allegations, which include Zelles failure to implement effective safeguards against widespread fraud and its neglect in addressing consumer complaints, resonate strongly with my own experiences as a user of the platform.

On multiple occasions, I have utilized Zelle for transactions and subsequently reported discrepancies to both my financial institution and Zelle. Most recently, I was scammed out of {$1500.00} while attempting to purchase two kittens. After realizing the transaction was fraudulent, I promptly contacted XXXX XXXX XXXXXXXX via phone and text to report the issue and seek assistance. I was informed that nothing could be done to recover my funds, as my claims could not be adequately investigated and tracking the disputed transaction was deemed unfeasible. This dismissive response left me without recourse and exposed a troubling lack of accountability within the system. Despite my efforts to resolve this and other incidents, I consistently received similar responses, indicating a systemic failure to address consumer grievances. 

The CFPBs findings further substantiate these concerns, asserting that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit vulnerabilities in the platform, resulting in significant financial lossestotaling over {$870.00} XXXX for customers of the named banks since Zelles inception in XXXX. This apparent negligence, coupled with a lack of transparency in addressing fraudulent activities, is wholly unacceptable. It raises serious questions about the safety and reliability of Zelle as a payment platform and underscores the urgent need for enhanced consumer protections. 

I urge Zelle and its partner institutions, including XXXX XXXXXXXX XXXX, to take immediate action to rectify these deficiencies, including improving dispute resolution processes, strengthening fraud prevention measures, and ensuring greater accountability for the protection of users. The inability to recover funds lost to scams, as exemplified by my {$1500.00} loss, highlights the critical need for reform to prevent further victimization of consumers. 

I look forward to a response detailing how these issues will be addressed and what steps will be taken to restore trust in the platform. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : Dispute of Fraudulent Account Due to Identity Theft Dear CFPB Representative, I am a victim of identity theft, and my personal information was stolen and used without my authorization. As a result, a fraudulent account has appeared on my credit report that does not belong to me. I have never applied for, authorized, accessed, paid for, or signed any documents related to this account. 

The fraudulent account in question is as follows : Creditor : JPMCB CARD Account Number : XXXX Account Type : Credit Card Account Status : Closed Date Opened : XX/XX/scrub>/2023 Balance : {$1400.00} Monthly Payment : {$46.00} I have taken the following steps to address this issue : I have filed an identity theft report with the Federal Trade Commission ( FTC ). 

FTC Report Number : XXXX I have signed and notarized an Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with NELNET, NELNET and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. 

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : NELNET - XXXX, NELNET XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. 

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
i disputed to the company multiple times to inform them of an inaccurate item on my credit report. I recently discovered that XXXX has already removed this negative item from my credit report, but it is still being reported by Equifax bureau. As per the Fair Credit Reporting Act ( FCRA ), I request that you also remove this item from my credit report. 
Disputed Item Details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Type of Account : Other / Collection Reason for Dispute : This account was verified as inaccurate and deleted by another credit bureau. 
Attached is documentation confirming that XXXX has removed this item. G

iven that one credit bureau has deemed this information inaccurate, I urge you to investigate and remove this negative entry from my credit file as well. Please conduct an investigation and provide me with an
updated copy of my credit report reflecting the removal of this item. If you require further information, feel free to contact me at the phone number or email address provided above. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by the FCRA.

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 2025-03-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Re : Illegal Reinserted Item on My Consumer Report FCRA Violation account name ( XXXX XXXX  XXXX ) I am writing to formally dispute an issue regarding the reinsertion of a previously deleted item on my Equifax credit report. This item was originally removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ) and has now been wrongfully reinserted. 
I am requesting that you promptly investigate this matter and ensure that the incorrect and unauthorized reinserted information is permanently removed from my credit report. 
According to Section 1681c-2 of the FCRA, once a consumer report item has been deleted, it may not be reinserted unless the furnisher of the information provides written notice to both the consumer and the credit reporting agency within five business days of the reinsertion. The notice must include the identification of the information that was reinserted, along with a statement explaining why the item is being reinserted. To date, I have not received any such notice.

The unauthorized reinsertion of this information constitutes a clear violation of the FCRA and is damaging to my credit standing. I request that you provide immediate confirmation in writing that the item has been permanently removed from my consumer report and that no further action will be taken regarding this violation.

Please provide me with a copy of my updated credit report showing the removal of this item, along with any documentation related to the reinsertion, within 30 days of receiving this letter. If you do not comply, I will not hesitate to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Federal Trade commisiion ( FTC ) California Attorney General ( XXXX XXXX ) and pursuing legal remedies. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief