vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Shellpoint Mortgage for ongoing, unjust charges to my account. Specifically, I have been charged for force-placed insurance and various attorney fees, and despite my repeated efforts to resolve the matter, the charges have not been corrected. 

I have contacted Shellpoint on multiple occasionsvia phone and emailon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to address these issues. During these interactions, I provided the company with documentation including insurance declaration pages, city tax bills, and even had XXXX XXXX representatives contact them in writing to confirm my insurance coverage. Despite this, Shellpoint has failed to update their records and continues to impose these charges. 

In addition to the force-placed insurance charges, I have raised concerns about the miscellaneous attorney fees being applied to my account. To date, no representative has been able to explain the origin of these fees. I have been charged over {$1500.00} in attorney fees, which are being deducted from my monthly mortgage payment without clear justification. 

At this point, I feel powerless to resolve the issue. Every time I call, I am given the same vague responses and instructed to call back without any real solution or explanation. I am left in a difficult position, as failure to make my mortgage payment could result in foreclosure. 

I am requesting your assistance in resolving this matter, as it seems Shellpoint Mortgage is not taking the necessary steps to correct these unjust charges. 

Thank you for your attention to this issue. I look forward to your help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I found out my account with PayPal was blocked. This is despite confirming my phone number as valid one and having used it in the past to contact customer service. The XXXX based customer service is not only unprofessional ( the background noise indicated party in the customer service center ) but was unable to address issues blaming it on the system. 
Question to PayPal is as follow : Why the PP CSRs are serving as human version of XXXX  without any capability/authority to address issues and inability to transfer to the US based customer service ?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with AFFIRM INC the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I added XXXX $ from my XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) to my Venmo ( XXXX XXXX  ) account On XX/XX/XXXX Venmo did a deposit reversal, claiming they put the XXXXXXXX XXXX back into the account from where it came My XXXX  XXXX  statement ( included in supporting documents ) shows the money leaving my account but never returning. 

I have spent hours on hold and explaining myself over and over again to both Venmo and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items ca
n not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccura
cies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 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: IN

Complaint narrative:
As you can see Ive disputed these inquiries in the past.

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 2025-01-11 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:
Dear Consumer Financial Protection Bureau, I am writing to formally report an issue I have encountered with TransUnion regarding the investigation of inaccuracies on my credit report, specifically related to my XXXX XXXX account ( Account Number : XXXX ). 

On XX/XX/year>, I submitted a letter to TransUnion requesting an investigation into the inaccuracies associated with this account. I received a response on XX/XX/year>, stating that the account had been verified ; however, I found that the same inaccuracies remained on my credit report. Despite my concerns, I proceeded to request a second investigation on the same day, XX/XX/year>. Unfortunately, the account was again verified with the same inaccuracies.

One of the key inaccuracies I am contesting is that this account is reported as charged-off while simultaneously indicating a past due balance of {$1100.00}. As per credit reporting standards, a charged-off account should not reflect a past due amount, making this reporting incorrect.

I have provided TransUnion with two opportunities to rectify these significant issues, but they have failed to conduct a proper investigation into my claims. Consequently, I am in the process of filing a report with the Federal Trade Commission ( FTC ) for fraud due to their negligence in handling my case. Additionally, I am considering taking legal action to resolve this matter effectively. 

For your records, I will attach copies of both letters I sent to TransUnion as well as the letters they returned to me, which serve as proof of my attempts to address these inaccuracies. 

Thank you for your attention to this matter. I appreciate the work the Consumer Financial Protection Bureau does to ensure fair treatment in financial reporting, and I hope to see prompt action regarding this issue. 

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 non-monetary relief
Consumer complaint received 2025-01-11 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:
I am writing to formally demand the immediate removal of fraudulent information from my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking information resulting from identity theft, and Section 611 ( 15 U.S.C. 1681i ), which requires an investigation and correction of disputed information. 
This is my XXXX dispute, with prior disputes submitted on XX/XX/year>, and XX/XX/year>, both sent via certified mail and including all required supporting documentation, including my Identity Theft Report and evidence of the fraudulent nature of the accounts listed below. The lack of resolution within the legally mandated timeframes is a flagrant violation of my rights under federal law.

Under FCRA Section 605B, once an identity theft report has been provided, you are required by law to block the fraudulent information within four business days. Your failure to do so is an egregious breach of your statutory obligations. Furthermore, under Section 611, the credit reporting agency is prohibited from including unverifiable or inaccurate information in a consumer 's file. These provisions are not optional, and non-compliance exposes Equifax to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-01-11 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:
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.

15 U.S.C 1681 section 602 A. 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 advers
e 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 ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/2025, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days.

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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 explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must
be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 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: NC

Complaint narrative:
Equifax Conducted Sham Investigations on My Equifax file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
District Court for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks . The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax multiple times that the entries below are erroneous and fraudulent. 
XXXX. Account : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX- Account Number : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me and violated my consumer rights.

Company response to consumer: Closed with explanation