vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
I have repeatedly requested validation of debt and proof of lawful servicing authority from Shellpoint Mortgage Servicing, but they failed to provide the required documentation under RESPA ( 12 U.S.C. 2605 ( e ) ) and TILA ( 15 U.S.C. 1601 ).

Original Loan Amount : {$280000.00} Loan Transferred to Shellpoint : XX/XX/XXXXXXXX  Qualified Written Requests ( QWRs ) Sent : XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  Arbitration Notices Sent : Multiple dates No legal response from Shellpoint Shellpoints Prior CFPB Response ( Date : [ Insert Date ] ) : Did not provide the chain of title, original promissory note, or proof of authority to collect.

Issues with Shellpoints Handling of the Loan : Shellpoint failed to legally respond to arbitration notices, which is a direct violation of the arbitration process.

Previously, Shellpoint failed to properly respond to the CFPB, providing a vague response without the required loan documentation. 
They admitted they do not own the loan and that XXXX ( XXXX XXXX ) is the investor, but they refused to provide proof of their servicing authority. 
They failed to produce the original promissory note or wet-ink signature, raising concerns about their standing. 
They have not disclosed fees, third-party commissions, or financial incentives tied to servicing or foreclosure actions. 
Shellpoint continues to collect payments despite failing to prove its authority to service the loan. 

Requested Action from CFPB : Ensure Shellpoint properly responds to this complaint with full documentation, not another vague response.

Compel Shellpoint to provide full documentation proving their legal authority to service the loan.

Require them to disclose the full chain of title and original loan documents. 
Ensure they cease collection and foreclosure actions until they validate the debt. 
Investigate Shellpoints failure to legally respond to arbitration demands. 
Refer this matter to the DOJ for potential violations of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am writing to address the ongoing issue of your failure to properly process the Metro 2 dispute letters I, XXXX XXXX, have submitted regarding the wrongful collections and inaccurate information on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per FCRA Section 611, I request that you : Acknowledge the non-compliance with the FCRA and the improper dismissal of my Metro 2 dispute letters.

Immediately re-examine the disputed items on my credit report, removing any unverifiable or inaccurate information. 

Adhere to the Metro 2 format for processing disputes and ensure all letters are handled in accordance with industry standards.

Provide clear communication throughout the investigation, including updates on the status of my disputes and detailed explanations if any items are not corrected. 

Review internal processes to ensure future compliance with the FCRA, including staff training on proper dispute handling. 

Provide remediation for any harm caused by the inaccurate information on my credit report, including compensation if necessary. 

Allow independent monitoring of your practices to ensure future compliance. 

Ensure resolution within the legally required 30-day period and provide me with an updated credit report confirming the corrections.

Please resolve this matter promptly. Failure to comply with these requests may result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I submitted a rent payment in the amount of XXXX via XXXX website and via my Wells Fargo direct checking account om XX/XX/year> which is a Thursday. I was under a 7 day eviction notice that would go into the effect on Tuesday XXXX if I didn't pay. 
Clearly I had the money to cover the transaction. Friday comes money is not taken out of the account, Saturday comes money is not taken out of the account. I am a XXXX XXXX  and I keep depositing money into my account daily, I work nights. Monday morning I see the check from XXXX post and the balance reflects the withdrawal. I did a happy dance, said thank you XXXX everything is great. ( I didn't take the screenshot ) Tuesday the XXXX I log in and the money is back in my account. I receive an email from Wells Fargo stating that they sent the check back because my account reached XXXX dollars and I had the money in the account the whole time. Now I have to pay my rent again with a XXXX $ fee from XXXX for the returned check. The amount of stress this has caused is unsurmountable.

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 2025-03-20 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Court stated that this is not supposed to be appearing on my credit report.

Remove bankruptcy report off my credit report including all the accounts that were included in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OK

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-03-20 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-20 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received an email from a debt collection agency regarding a debt I allegedly owe. The email claimed the debt was for an account originally held with a well-known financial institution. The email stated that the debt had been charged off and sold to the collection agency. It also mentioned that if I did not respond or make payment, they would review my account for further collection actions. 

The email did not clearly identify the collection agency as a debt collector, nor did it provide details about my right to dispute the debt or request validation of the debt. Additionally, the message contained vague language that could be interpreted as a threat of legal action, but it did not provide specifics about what actions would be taken. 

I believe this communication violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), as it failed to include required information about the debt and my rights, and it did not identify itself as a debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: WI

Complaint narrative:
I had no idea I had a student loan payment due. I did an income loan driven repayment on Fed loan and was given a zero payment. I continued monitoring on and off the Fed loan account and seen nowhere it said I had a payment due. I received no notification by mail the only reason I found that I was behind was I was checking my bank account and seen a drop in my credit score over XXXX points. I had a A credit rating on payments made on time and now I have a XXXX I have worked hard to make payments on time to get the score I have and to not be notified sufficiently is not right. Upon looking into if anyone else has had this problem it was published in XXXX XXXX and many online forums that many borrows including myself truly had no idea until their credit score dropped drastically. I am just sick to my stomach with XXXX  about this situation. I want my credit score to be put back in good standing. I have worked with XXXX my loan company and they were able to make me current however they can not reach out they stated to the credit beau to fix what being delinquent unknowingly, which has ruined my credit score. I feel this is completely unjust and I am asking that this be fixed. Only correspondence made was by email which I had not seen due to the email looking like spam I get several emails a day and do not typically review everyone of them in fear I will open up a virus and this email looked like a hundreds of other junk emails I get daily. Please someone help.

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 2025-03-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Lender Name : XXXX XXXX Lender Phone : ( XXXX ) XXXX New Balance Amount : {$840.00} Balance Date : XXXX Current Credit Limit : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report the account below has not been updated and it is more than 60 days since I filed my dispute. The balance is wrong. By not correcting in a timely manner is against the law. Please update ASAP or I will take legal action. 

XXXX XXXX Reported : XXXX. XXXX, 2025 - {$6700.00} In good standing

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 2025-03-20 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing my complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection ACT ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution proposal was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and so seek appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to XXXX XXXX. XXXX of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-20 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief