vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Experian failed to investigate potential harmful inquiries and reports on my credit. XX/XX/year> resulting in inaccuracies to continue be included in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
This complaint is concerning XXXX # XXXX held with Newrez Mortgage XXXX. 

Home Address : XXXX XXXX XXXX XXXX. XXXX, OH XXXX On the XXXX of XX/XX/XXXX, Newrez mortgage company acknowledged receiving my monthly payment less PMI in the amount of {$3400.00} ( See attachments ). However, this payment has not been applied towards any account ( e.g. principle, escrow, etc. ) at all and it shows as " XXXX XXXX ''. 
Newrez 's excuse for not applying this payment at all was because their system is setup to automatically only accept a full payment. Since the system didn't see a full payment, it didn't apply it at all. Further, I assessed a hefty late fee of {$130.00} on the XXXX of XX/XX/XXXX ( XX/XX/XXXX was the due date ). 
I tried in good faith and asked them repeatedly via their Customer Service Department and their website email system to manually fix this problem but they're still refusing to do so and sticking to this automatic system setup as the reason. 

On XXXX XXXX, XXXX, the PMI cancellation was approved and I'd thought I could make my monthly payment without including the PMI, which should have been cancelled long time ago per paid appraisal and after a lengthy process this mortgage company had me go through. 

I see this as unethical practice where this mortgage company has received the monthly payment in principle, interest and taxes but refusing to apply it only because their system is set up to only accept full payments. 

Please know that Newrez will be adjusting manually my monthly payment given that PMI was cancelled back in XXXX. Also, my new homeowner 's insurance for XXXX was changed and it's now half of what it collected for it during XXXX. So, the point here is that Newrez does do a number of manual work on my account to service it and it does have the ability to manually apply this payment as a one thing instance. 

It is not a valid excuse for them to refuse to handle this payment simply because the system is setup that way. 

Further, please know that I was told if I were to make the PMI payment then, all this money will be applied appropriately. This shows Newrez is purposely playing this tactic on me. 

Finally, I should mention that I never defaulted or had a late payment since my loan account was started with this mortgage company.

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 2025-01-23 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: PA

Complaint narrative:
On XX/XX/year>, my employer deposited my paycheck into my Capital One account via direct deposit. Shortly after, the bank that my employer used for processing payroll shut down and initiated a reversal of the payment. This was not an action taken by my employer directly but by their bank. Capital One began a " loss investigation '' into the matter but failed to provide me with any updates or meaningful communication throughout the process. 

I repeatedly contacted Capital One for updates every single week since this issue occurred, but I was only told there was an ongoing investigation. At no point did Capital One request additional information or evidence from me or my employer, such as contact details or documentation. The investigation appeared to be one-sided and lacking in thoroughness. Ultimately, Capital One closed my account and labeled me as " high risk, '' which has severely impacted my financial life. 

As a result of their decision, I have been unable to open a personal or business bank account with any other financial institution. This has directly affected my ability to receive payments from my employer. To make matters worse, Capital One froze the {$5000.00} I had in my account at the time. I was unable to withdraw, wire, or transfer these funds, leaving me completely without access to my money. 

Capital One has failed to provide transparency or accountability in this process, and I feel I have been unfairly treated and potentially discriminated against. This situation has caused significant financial hardship, and I am seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear : LVNV FUNDING LLC, This letter is formal notice under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies. 
That legal action will be taken against me. 
Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office. 

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MN

Complaint narrative:
Disputed a closed XXXX account with transunion, experian and XXXX just to be responded to by this debt is valid according to the creditor and cases being closed with no chance of being able to request proof of debt owed even from XXXX themselves upon paying debt in full off XXXX website they kept pushing me off to different debt collectors who would send me back to XXXX and I resorted to the credit reporting agencies providing them confirmation numbers of me paying the debt reflect on my report in full from XXXX with account number listed just to get back that the debt on my report is valid.

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 2025-01-23 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: MN

Complaint narrative:
Disputed a closed XXXX account with XXXX, experian and XXXX just to be responded to by this debt is valid according to the creditor and cases being closed with no chance of being able to request proof of debt owed even from XXXX themselves upon paying debt in full off XXXX website they kept pushing me off to different debt collectors who would send me back to XXXX and I resorted to the credit reporting agencies providing them confirmation numbers of me paying the debt reflect on my report in full from XXXX with account number listed just to get back that the debt on my report is valid.

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 2025-01-23 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: GA

Complaint narrative:
XXXX failed to investigate potential harmful inquiries and reports on my credit. XX/XX/year> resulting in inaccuracies to continue be included in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX failed to investigate potential harmful inquiries and reports on my credit. XX/XX/2024 resulting in inaccuracies to continue be included in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing 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 infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: UPGRADE, INC.
State: VA

Complaint narrative:
XXXX. XXXX XXXX XXXX Fraudulently placed charges on my credit file, because I switched car Insurance companies. They have proof of my current insurance. In the state of Virginia I have the Legal Right to switch car insurance companies as I need. 

2. Company called Uplift has placed Fraudulent charges on my credit file. I am not aware of this company.

These two companies have placed fraudulent charges on my account. I believe this to be part of the XXXX XXXX. My information was exposed. Please do not turn my dispute into a 30 day dispute. Under section XXXX you have t removed this within 4 days. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2025-01-24 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: AR

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Credit Bureau filed to comply with me and company to prove ownership of debt and correct amount for companies on all three credit bureaus and my personal credit files ... .No proof ... no contracts..

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Credit Bureau filed to comply with me and company to prove ownership of debt and correct amount for companies on all three credit bureaus and my personal credit files ... .No proof ... no contracts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received a notice that my account was frozen and to contact the customer service escalations team for assistance with unlocking my account. No one could explain to me why the account was locked. A portion of My tax refund deposited into my account. They then closed my account again without warning or notice and denied me access to my government funds breaking the law. When I spoke with the representative XXXX I was spoken to in an extremely rude fashion and denied information requested. He also refused to allow me to speak with his manager. Again after breaking the law and refusing to provide my account information, I have placed over 20 calls to the company with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing an evidence of a thorough investigation. This practice violates the XXXX XXXX XXXX XXXX ( FCRA ), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Futhermore, Experians actions XXXX also contravene the Consumer Financial Protection Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nesscary proof of investigation. 
The account number ( XXXX ) are listed below 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 2025-01-23 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: TN

Complaint narrative:
I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific issues, including an account with XXXXXXXX XXXX XXXXhat inaccurately reported late payments. According to 15 U.S.C. 1666 and related regulations, this account should reflect " paid as agreed/never late, '' as the current reporting is incorrect. 

Additionally, I pointed out multiple unauthorized hard inquiries on my credit report, including those from XXXX, XXXX, XXXX, XXXX, and C F. Under 15 U.S.C. 1681b ( c ) ( 3 ), I requested that these unauthorized inquiries be deleted from my report. 

I also disputed inaccuracies in my personal information, specifically incorrect addresses that need to be corrected to ensure my credit report is accurate and up-to-date. 

I reminded Equifax of their legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputes and correct any inaccuracies within XXXX days. I referenced case law, such as XXXX XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX, to emphasize that Equifax must conduct a thorough investigation and not rely solely on automated checks. 

I made it clear that failure to address these inaccuracies promptly could expose Equifax to liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance with the FCRA. I expect a detailed written confirmation of their findings, including a description of the procedures used during the investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

If these matters are not resolved within the legally mandated timeframe, I reserved the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursue legal remedies. My request for immediate attention to this matter is non-negotiable, and I will not tolerate any delays or negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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