vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the XXXX XXXX XXXX Reform and Consumer Protection Act, XXXX U.S.C. XXXX, to report the ongoing unlawful conduct of Achieve Personal Loans ( Freedom Financial Asset Management ), XXXX Bank XXXX and XXXX XXXX regarding the reporting of charged-off accounts to consumer reporting agencies without issuing the federally required IRS Form XXXX ( Cancellation of Debt ). 

- A charge-off under the creditors own accounting and XXXX U.S.C. XXXX triggers an identifiable event for cancellation of debt purposes. 
- The XXXX XXXX XXXX, XXXX U.S.C. XXXX, mandates that an applicable entity must file an information return ( Form XXXX ) with the IRS when {$600.00} or more of debt is canceled, and must furnish a copy to the debtor by XX/XX/XXXX of the year following the cancellation. 
- The XXXX XXXX XXXX ( XXXX ) XXXX defines cancellation of debt as an identifiable event, including but not limited to charge-off of a debt, which requires information reporting. 
- XXXX IRS XXXX XXXX was issued or furnished to me by the above-named creditor ( XXXX ) despite these charge-offs having occurred some more than XXXX  months ago. 

LAWS AND REGULATIONS VIOLATED - XXXX U.S.C. XXXX ( a ) - XXXX C.F.R. XXXX ( b ) ( XXXX ) ( i ) ( C ) - IRM XXXX ( XXXX ) ( b ) - XXXX U.S.C. XXXX ( a ) - Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( a ) ) The failure to issue a Form XXXX has deprived me of : - Accurate tax reporting to the IRS ; - The ability to properly report and resolve the alleged obligation under federal tax law ; - The correction of my consumer credit reports to accurately reflect the discharge or cancellation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Our initial loan company sold our loan to shellpoint mortgage loan. The first mortgage statement on like was XX/XX/XXXX. 
We set up our account to make online payments I started the online payment on XX/XX/XXXX They show the payment as made and XXXX  days later kicked it back Saying nsf I called my bank. They said that there is money in the account there is no hold on my account and they dont have a notice from Shellpoint regarding trying to get the funds I call Shellpoint finally get a representative who is not helpful and more concerned with reading a script then helping me Said its your problem and your bank- told him I called the bank and they said the company didnt even try to get the money. They show no pending request from Shellpoint They advised I try again Updated my cell phone for text notices at that time in case something goes wrong I tried the payment again on XXXX and XXXX  days later they kick it back for NSF Call the Key bank again per XXXX at the bank same info no notice of this company plenty of money no holds on bank account Called Shellpoint again talked to XXXX she had no record of the first call no updated cell phone listed there. Updated cell phone again got a second text from them saying welcome to texting with us Said same info my bank is the issue they wait for the bank to respond and release the funds I told her the bank has no record of them trying to retrieve the funds no pending holds no notice from Shellpoint at all I have money there is no hold on my account what is wrong with their system? She said she does not know its on my end We went over the account I paid via phone this time with her and told her that I want it documented that this is an issues. She said she will place a formal complaint. 
The Shellpoint is not helpful besides the XXXX phone calls I have emailed twice and NO response they are not helpful with trouble shooting they read a script and get you off the phone. They can not see any information or provide clear answers to issues. 
This is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Subject : Failure to Delete Improperly Reported XXXX XXXX Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian, Equifax, & TransUnion for failing to remove an improperly reported child support judgment from my credit report. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX Credit Bureau Involved : Experian, TransUnion, Equifax According to XXXX U.S.C. XXXX ( b ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( XXXX ), XXXX XXXX judgments are NOT CREDIT TRANSACTIONS and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement. 
I first contacted Experian, Equifax, TransUnion on [ XX/XX/year> ] and formally requested deletion of the accounts. They have failed to comply within the required timeframe or provide valid justification for reporting this accounts. This is a clear violation of federal law and is negatively impacting my credit profile. 
Resolution Sought XXXX. Immediate deletion of this account from my credit report. 
XXXX. Written confirmation of its removal. 
XXXX. A formal investigation into XXXX Equifax TransUnion noncompliance with FCRA regulations. 
Please take swift action to enforce compliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CREDIT Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX & XXXX CREDIT - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of unauthorized or inaccurate credit inquiries from my credit report under 15 U.S.C. 1681 ( n ). Listed below are the unauthorized and inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have thoroughly reviewed my records and can confirm I did not authorize these inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate. Please remove these accounts immediately as it does not belong.

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 2025-08-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting the removal of unauthorized or inaccurate credit inquiries from my credit report under 15 U.S.C. 1681 ( n ). Listed below are the unauthorized and inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have thoroughly reviewed my records and can confirm I did not authorize these inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate. Please remove these accounts immediately as it does not belong.

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 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XX/XX/XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XX/XX/XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a concern as my rights have been violated. I applied for Loss Mitigation in XX/XX/year> with Freedom Mortgage and XXXX not receive a proper decision until XX/XX/year>. After submitting my initial, completed application, I was informed that I would receive an application decision within 30 days, I did not receive any sort of decision for approximately 100 days. The correspondence I did receive, however, was a print out of the same letter for 3 months and that was to inform me that no decision had been made yet and no action was required on my part. 

I then called Freedom Mortgage during the last week of XX/XX/year> to seek a real-time response and an update on my XX/XX/year> application. I was given a very hard time by the customer service rep. He gave me the run around and tried to cancel my Loss Mitigation application. That experience caused me to no longer have confidence in speaking with nor trusting Freedom Mortgage. 

Following that phone call, I received a loan modification packet approximately XXXX weeks later in XX/XX/year>. I then contacted my Veterans Affairs counselor and asked for her support and if she could liaison between myself and Freedom Mortgage all while informing her of the misrepresentation of the Loss Mitigation program thus far. 

Then on XX/XX/year>, I received a letter from Freedom Mortgage stating that your loan has been referred to foreclosure. Then on XX/XX/year>, I checked my online portal and saw that the loan was actively in foreclosure. The problem is I have yet to be treated fairly during this process of seeking Loss Mitigation options with Freedom Mortgage. Specifically, timelines and communication have not been respected. My consumer rights have been infringed upon all while my completed application during the loss mitigation process has been mismanaged. My rights have been flagrantly disregarded since submitting my initial, completed Loss Mitigation packet in XX/XX/year>. Freedom Mortgage took a lengthened amount of time to make a decision on my application; sent someone to perform an appraisal of my home without my consent or knowledge ; and planned to foreclose on my home without my knowledge. 

I have attached a photo of the most recent document Ive received from Freedom Mortgage, as of today, XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I got a loan through Nissan motor acceptance company. I overpaid the loan payoff. They owe me just over XXXX dollars. I have been calling for over 2 months asking about the refund. They acknowledge they owe me money and say to expect the check or transfer. But it never appears. Over two months of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
There is a Debt collection company reporting false, Inaccurate and misleading reporting information on my credit report. I requested that they verify and remove the item. I requested the company to supply proof of this debt, services rendered, proof of delivery of notifying me of this debt in writing via mail within legal timeframe, they showed XXXX proof. They are also reporting the " charge off '' as a joint account which is false. The item is showing aggressive compounding fees going up monthly. They are breaking multiple FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
On XX/XX/2025, I filed an FTC Identity Theft Report regarding multiple fraudulent accounts on my credit file. The credit bureaus initially removed these items ; however, as of XX/XX/2025, they have reappeared despite the matter being resolved. This is a direct violation of 15 USC 1681i ( 7 ), which prohibits reinserting information without proper certification and notification. I have already provided proof of identity theft, supporting documentation, and an FTC reference number. I am requesting the immediate deletion of all reinvestigated accounts per FCRA requirements.

Company response to consumer: Closed with non-monetary relief