vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
b"Back in XXXX of this year (XXXX) - I contacted Shellpoint Servicing, my mortgage servicing company to request the removal of the Private Mortgage Insurance (PMI) because my Loan-to-value (LTV) was way below 80% for my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI know this because, I'm an active licensed XXXX XXXX XXXX XXXX (DRE XXXX) and Licensed Design and Build Contractor with the California State License Board (CSLB - License# XXXX) and a California Certified Building Inspector (# XXXX), member of the International Code Council. \nShellpoint responded to me on XXXX XXXX XXXX, informing me that they have denied my request for PMI removal because my LTV is according to them is above 80%,which I vehemently disagreed. \n\nI wrote them another letter detailing the reasons why I disagreed with their assessment and enumerated the reasons why the PMI must be removed (Letter attached). \n\nToday, Friday, XXXX XXXX XXXX XXXX XXXX  - I called Shellpoint Servicing up to get an update just to be told that my request for PMI removal remained denied because the same reason they keep stated LTV over 80%.\n I spoke with their customer supervisor called XXXX XXXX and explained to him that his company is using the wrong formula to determine the LTV and reiterated that the correct formula is Outstanding Loan Amount / Current Value of the house x 100%. If they applied this formula, they will come to the conclusion that my LTV is way below 80% and sits around 30%. He told they are using the original value of the house, which is clearly incorrect. I asked him (XXXX) to schedule an Appraisal and he told they can't do because their system is showing LTV at 84% therefore, an appraisal cannot be ordered until their system shows a LTV under 80%. \nI advised him that his company is blatantly breaking the law by refusing to order an appraisal and thus, stealing from me. They have been charging me XXXX for 10 months now. \n\nI advised XXXX XXXX that I'll be retaining an attorney to take over this matter given their refusal to budge. XXXX XXXX  told me he will write up a complaint and send to their internal team who deals with PMI. He gave me their Internal Complaint Number XXXX XXXX XXXX XXXX. \n\nI am writing to you (cfpb) first with the hope to get this PMI removed with your involvement before I retain an attorney. \n\n\nThank You very much \nYours Respectfully \XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
Issue : Credit reporting company refuses to accept my dispute online and is failing to comply with FCRA 605B. 

Company : Experian Information Solutions , Inc . 

Complaint Narrative : I attempted to dispute multiple unauthorized credit inquiries with Experian, which are the direct result of identity theft. These inquiries were not initiated by me, and I have never applied for credit with these companies. Under the Fair Credit Reporting Act ( FCRA ) 605B, I have the right to have these inquiries blocked and removed once I submit a valid identity theft report and supporting documentation. 

Experian does not allow me to dispute credit inquiries online through their dispute portal. This restriction prevents me from exercising my legal rights under the FCRA to dispute inaccurate or fraudulent information using my preferred method. Their system allows disputes for accounts but blocks the dispute option for inquiries, forcing consumers into a more burdensome process. This constitutes a barrier to my rights and appears to violate the FCRAs dispute handling requirements. 

I am initiating my dispute for the following unauthorized inquiries appearing on my Experian credit file : XXXX XX/XX/year> XXXX XX/XX/year> I am attaching : A copy of my Identity Theft Affidavit Government-issued ID Proof of address Relevant credit report excerpts highlighting the disputed inquiries I am requesting the CFPB require Experian to : Accept my dispute in accordance with FCRA 605B.

Conduct a prompt investigation and remove the above unauthorized inquiries from my Experian credit report. 

Provide me with written confirmation once the inquiries have been blocked and removed. 

Desired Resolution : Immediate removal of the above unauthorized inquiries and confirmation in writing that my identity theft dispute has been processed.

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 2025-08-09 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: PA

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I check my report regularly, but this time I was met with unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but it stayed there. I need the documents Ive submitted to be reviewed immediately so I can put an end to this ongoing frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
Im disputing inaccurate late payment reporting from XXXX. XX/XX/2025 is marked as 90 days late ( code 3 ), but XX/XX/2025 is reported as on time ( code 0 ). This timeline is impossible a 90-day delinquency in XXXX would require a 60-day delinquency in XXXX. When student loan servicing transitioned back to XXXX, I ( like many borrowers ) experienced serious login issues and received no clear payment resumption notice. I only learned my loans were active again after my credit score dropped. Since then, Ive made 5 consecutive payments on autopay. I submitted documentation showing I was in good standing through XX/XX/2025, but XXXX  still accepted the 90-day mark, and Experian provided only a generic response. No one addressed the timeline contradiction. Im requesting a reinvestigation and correction under the FCRA. This inaccurate delinquency is materially harming my ability to qualify for a mortgage.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sumitted a dispute request on my own which TransUnion is refusing to investigate. This is after multiple messages asking them to send me documentation of verification for the debt they continue to be claiming as verified by when I have sent in both government identity theft documents as well as police reports showing it is fraudulent. Today, I got the attached letter trying to say my dispute is from a credit repair company when it isnt. Its from me. They need to properly send me verification for the accounts I have debuted and do the investigation process as legally required or the CFPB needs to take legal measure to hold them accountable.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TN

Complaint narrative:
This bank operates under deceptive and unclear practices. 

on the XXXX of XXXX this year i opened XXXX accounts with Axos Bank online. promptly after opening these accounts, i make a mobile check deposit with a payroll check. 

all appeared normal through the standard XXXX day check hold period followed by the funds showing available in my new account. upon logging in to my online portal and attempting to transfer funds between my new checking and saving account, i find that my accounts are restricted. 

The Following day i received an email stating that they needed additional documentation to complete my account set up. i submitted the requested documentation within the hour. phone conversations with customer service reveal it will take XXXX to XXXX business days to process new documentation. on the last of the processing days for my documentation i receive a new email stating that my account is now restricted because the want the physical check mailed in. I next day air the check to their office in California withe signature required to confirm receipt. Upon following up the next day i am told it will be another XXXX to XXXX business days to process. 

i have requested to speak with a supervisor multiple time throughout this process and been told each time that i will receive a call back in XXXX to XXXX hrs, yet never receive a call back. 

Continued calls lead to no further information and being promised that a resolution or further information would be available in XXXX to XXXX hours. with the time frame being push back at each call. 

This bank has had possession of the funds for over XXXX weeks, and continue to delay and make excess to hold or restrict access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-08-09 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is currently reporting blatantly false and damaging personal address information on my credit report that directly conflicts with my actual and only residence. My correct and only address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Despite this indisputable fact, Equifax is listing XXXX XXXX XXXX XXXX, LA XXXX as a previous address as of XX/XX/2024. I have never lived at, received mail at, owned, rented, or otherwise been associated with this location. The inclusion of this false address is entirely baseless, unverified, and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Equifax is legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information in my file. The presence of this completely inaccurate address demonstrates a clear breakdown in their procedures, suggesting either reckless file merging with another consumer or XXXX reliance on flawed and unverified third-party data. Neither explanation excuses the failure to maintain accurate credit reporting, and both constitute serious violations of the FCRA. 

This inaccuracy is not trivialit creates substantial risk and harm. Creditors, insurers, landlords, and even potential employers often view address inconsistencies as red flags for fraud, identity theft, or instability. A false address can trigger unwarranted denials, higher interest rates, and increased security checks. Moreover, it can cause important correspondencesuch as adverse action notices or dispute responsesto be misdirected, directly interfering with my ability to receive timely information and exercise my rights. 

Equifaxs responsibility under 15 U.S.C. 1681i ( a ) is clear : when an item is disputed, they must conduct a reasonable reinvestigation. This does not mean simply confirming the false information against the same unreliable database that caused the error in the first place. If Equifax can not obtain original, verifiable documentationsuch as property records, lease agreements, or utility billsproving my physical residence at the disputed address, they are required by law to delete it immediately. Their continued reporting of this false address without such proof would constitute a willful and knowing violation of the FCRA. 

By maintaining this false address on my file, Equifax is recklessly linking my identity to a location with which I have no connection, creating a serious risk of identity confusion or fraud. This is an unacceptable breach of their duty to report accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
In XX/XX/year>, Bank of America furnished a 30-day late payment to the credit reporting agencies that is inaccurate. I have disputed this late payment with all three credit bureaus ( XXXX XXXX XXXX  ) multiple times, including through CFPB complaints. In each case, the credit bureaus reported that Bank of America verified the late payment without providing any documentary evidence or actual payment records to support the late mark. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( b ), Bank of America, as the furnisher, is required to conduct a reasonable investigation and review all relevant information provided by the consumer. I supplied records showing the account was current in XX/XX/year>. A reasonable investigation requires more than confirming internal records it requires reviewing contemporaneous payment records. 

I requested the actual payment records and the name/contact information of the person who verified the late payment. Bank of America has not provided this information. Without proof, the reporting can not be considered accurate under the FCRA. 

I am requesting that Bank of America : 1. Delete the XX/XX/year> 30-day late payment from all credit reporting agencies, or 2. Provide copies of the actual records used to verify the late payment, along with the name and contact information of the person who conducted the verification.

If this matter is not corrected, I will pursue all remedies available under the FCRA.

Previous CFPB complaint numbers for the related disputes with the credit bureaus are : XXXX  : XXXX XXXX  : XXXX 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX  I made a stock sale in the mobile wallet CashApp. When the sale completed the CashApp withheld {$94.00} from that sale.

On XXXX XXXX XXXX I created a ticket with CashApp Support.

On XXXX XXXX XXXX  Cashapp replied that the reason for the withholding was an error in my documentation. I discussed the withholding with cashapp support corrected the documentation they sent.

Cashapp has refused to return the money. By XXXX XXXX XXXX no adequate resolution was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX was scammed out of {$190000.00} by a fraudulent impersonation whom l thought was from Bank of America fraud. Have filed with local po. XXXX  and XXXX. Trying to get my money back from bank of America To date funds have not been returned.

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 2025-08-09 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
I am a victim of identity theft, my information was used to obtain goods and services without my knowledge or consent

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 2025-08-09 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: FL

Complaint narrative:
I am a victim of identity theft, my information was used to obtain goods and services without my knowledge or consent

Company response to consumer: Closed with non-monetary relief