vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I was told by Shellpoint Mortgage Servicing that I would receive my loan modification agreement within XXXX  days. Despite multiple follow-up calls, I did not receive the final agreement until XX/XX/year> more than XXXX  days later. 

During this time, I spoke with several representatives : XX/XX/year> XXXX said no updates were available but I should receive it by XX/XX/XXXX via XXXX. 

XX/XX/year> XXXX said the modification was waiting to go out and advised me to complete paperwork once received. 

XX/XX/year> XXXX said she would follow up with the responsible department and get back to me within XXXX  days ( no follow-up occurred ). 

XX/XX/year> XXXX XXXX and XXXX XXXX admitted the delay was due to a third-party vendor waiting for information from Shellpoint. XXXX offered to escalate my request and get back to me by Tuesday, XX/XX/XXXX. 

XX/XX/year> XXXX called me back to inform me that the company is holding firm on their demand for the XXXX and XXXX payments. 

Despite these delays which were entirely outside of my control the final agreement I received requires my first payment to be made on XX/XX/year>, XXXX weeks before I received the paperwork. They require my XXXX payment as well, which was due XXXX weeks prior to my receipt of the paperwork. This is unreasonable and impossible to comply with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

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 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 2025-08-19 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Mortage balance of {$220.00} payment issued on XX/XX/XXXX. The Vystar website did not show update payment information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A second payment was issued under a second checking account on XX/XX/XXXX. I went to the Bank location on XXXX XXXX XXXX and XXXX said to call the mortgage center Monday ) and they should be able to transfer the extra payment back. 

Called on XXXX  XX/XX/XXXX spoke with XXXX, " no payment for XXXX or XX/XX/XXXX is showing on file, I should allow another business day. " Called on XXXX  XX/XX/XXXX spoke with XXXX, " only one payment is showing XX/XX/XXXX for {$920.00} and XX/XX/XXXX {$220.00} and XXXX payment not on file. ( Now VyStar website states when deposits submitted on weekend will not be posted to next business day. ) XXXX transferred my call to Mortgage XXXX XXXX. XXXX XXXX she verified our final mortgage payment was paid twice, should credit my account but apply a {$15.00} fee for processing. 
Received a letter ( date of letter ) from VyStar on XX/XX/XXXX stating our mortgage account has been suspended due to partial payment for {$9200.00} was received. Our balance was only {$220.00}. VyStar computer system is generating false information of the Bank and just can not add or subtract. 

Went to XXXX branch spoke with XXXX XXXX XXXX, he called the mortgage dept, informed I would have to wait 16 days from date of payment t receive payoff letter and my refund {$210.00} ( XXXX fee ) As of XX/XX/XXXX not refund or transfer has been received. 

I have screen prints of each day our financial history. 
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 2025-08-19 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: Block, Inc.
State: FL

Complaint narrative:
On Saturday XX/XX/year> I bought a new phone when i switched my cash app from my old phone to new i was then locked out of cash app with {$360.00} left on there and told i needed to verify my identity which i did i submitted my florida drivers license it has been longer than XXXX hours my funds have not been returned to me nor has cash apps support agents given me a suffice answer and they claim they have no supervisors, I need my money back i am a XXXX XXXX that money was crucial for me and my children i dont appreciate hundreds of dollars stolen from me and the app can not communicate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: RI

Complaint narrative:
I reviewed my loans after receiving an alert that my credit score had dropped. Once I checked I saw multiple loans taken out through EdFinancial. I only used XXXX for my college loans. After reaching out to EdFinancial for a week straight with no response I finally got a call back. I asked for the fraud alert and other information. I was told it would take 15 days. About 2 months later with no result I called back. On XXXX I requested another fraud package. I was again told it would take 15 days. I have not heard anything from them yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app returned cash without my consent to a bank I no longer had attached to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, as proof from the US 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
this charge was charged off and the appeared on my credit report as of XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$0.00}

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 2025-08-19 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Experian 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 : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, as proof from the US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account that has been mistakenly attributed to me. I have never had any connection with this account, nor have I authorized its creation. Its inclusion on my credit report is an error that must be corrected without delay.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Bought my family business due to my dad passing away in XXXX. Our CFO passed away in XXXX. XXXX Elan XXXX XXXX XXXXXXXX and filled out their application to be put on the account as a officer. Sent application in with letter stating the information they were requesting. The dates and people who were originally on the account. With that then the application I had to fill out. I have done everything they have requested and yet they still won't close our business credit card account. We never use this credit card, and we keep it locked in our vault.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date : XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX RE : Cease and Desist Request To Whom It May Concern : I am writing to formally request that Portfolio Recovery Associates , LLC cease and desist all communication with me, including but not limited to phone calls, letters, emails, text messages, or any other form of contact regarding any alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am hereby demanding that you immediately stop all further contact with me. Be advised that any further communication from your officeexcept for the purpose of advising me that your collection efforts are being terminated, or that you may invoke specified remedies permitted by lawwill be interpreted as a violation of the FDCPA and reported to the appropriate authorities. 

Please also note that I do not acknowledge or validate any alleged debt, and this letter is not to be construed as an admission of liability. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-19 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Three separate fraudulent charges were made on my M & T debit card on XX/XX/XXXX. The purchases were made on XXXX by an account that does not belong to me. I called the bank and even went to a branch to show the manager a printout of my XXXX account purchase history. The attached photos show that I did not make any purchases on XXXX between XX/XX/XXXX and XX/XX/XXXX. The manager verified that the charges were not made by me, and allegedly sent the evidence to the banks fraud department. M & T initially credited my account, but eventually reversed the decision and deducted {$210.00} from my account again.

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