vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
This is a formal amendment and response regarding CFPB Complaint # XXXX, originally submitted to address Shellpoint MoXXXX Servicings continued reporting of a mortgage account from which I, XXXX XXXX XXXX XXXX legally released in XXXX. 

Since the original complaint, I have provided multiple legal documents proving my release from the mortgage associated with Loan No. XXXX, for the property located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These include : XXXX. A fully executed XXXX XXXX XXXX, dated and notarized in XXXX, in which XXXX XXXX legally assumes all financial responsibility for the mortgage. This document explicitly states my full release from all obligations, citing compliance with RESPA ( XXXX C.F.R. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). 
XXXX. A formal letter from my attorney, XXXX XXXX XXXX, dated XX/XX/XXXX, addressed to XXXX XXXX ( Shellpoint ), requesting written confirmation of my release. This was sent via certified mail. 

Despite these efforts, XXXX continues to report this account as active and delinquent under my name. This has caused : Significant damage to my credit score Denials for credit and housing A negative effect on my financial standing and creditworthiness I have submitted multiple disputes to Equifax, Experian, and TransUnion, all of which were unsuccessful. XXXX has not responded appropriately, nor have they updated the reporting. Multiple calls to XXXX have failed to connect me with any representative capable of resolving the issue. 

Shellpoint is in clear violation of the FCRA and RESPA and is failing to act in good faith despite being legally obligated to do so.

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 2025-07-08 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This is a formal amendment and response regarding CFPB Complaint # XXXX, originally submitted to address Shellpoint Mortgage Servicings continued reporting of a mortgage account from which I, XXXX XXXX XXXX was legally released in XXXX. 

Since the original complaint, I have provided multiple legal documents proving my release from the mortgage associated with XXXXan No. XXXX, for the property located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These include : XXXX. A fully executed XXXX XXXX XXXX, dated and notarized in XXXX, in which XXXX XXXX legally assumes all financial responsibility for the mortgage. This document explicitly states my full release from all obligations, citing compliance with RESPA ( XXXX C.F.R. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). 
XXXX. A formal letter from my attorney, XXXX XXXX XXXX, dated XX/XX/XXXX, addressed to XXXX XXXX ( Shellpoint ), requesting written confirmation of my release. This was sent via certified mail. 

Despite these efforts, Shellpoint continues to report this account as active and delinquent under my name. This has caused : Significant damage to my credit score Denials for credit and housing A negative effect on my financial standing and creditworthiness I have submitted multiple disputes to Equifax, Experian, and TransUnion, all of which were unsuccessful. Shellpoint has not responded appropriately, nor have they updated the reporting. Multiple calls to Shellpoint have failed to connect me with any representative capable of resolving the issue. 

Shellpoint is in clear violation of the FCRA and RESPA and is failing to act in good faith despite being legally obligated to do so.

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
On XX/XX/year>, I contacted Flagstar Bank to inquire about their various credit card options. After discussing my preferences with XXXX, the financing XXXX at XXXX in XXXX XXXX, MI, she processed my application over the phone. Upon concluding the call, I received notification from a third-party site that XXXX XXXX had pulled my credit. I checked for a confirmation email from XXXX but did not receive one. Before ending the call, I was informed that I would receive a paper notification by mail stating whether I was approved or denied. As of today, XX/XX/year>, I have yet to receive any notification. I followed up with a call on XX/XX/year>, and spoke with XXXX, who was extremely rude and unhelpful, stating that she could not provide an update since I had not received the letter. Today, XX/XX/year>, I attempted to contact multiple XXXX XXXX  branches but was sent straight to voicemail. I discovered that XXXX had blocked my number with XXXX for asking for an update on my application, preventing me from contacting them directly. Using an alternative number, I called for an update and was told the same information. This situation has left me with a hard inquiry on my credit report for a credit card application without proof that XXXX ( at XXXX in XXXX XXXX, MI ) actually processed it for me over the phone and then blocking me from calling them after giving a XXXX XXXX employee XXXX all my personal information.

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Southwood Financial, LLC.
State: TX

Complaint narrative:
upon me reviewing my credit reports i noticed some debts that were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX U.S. Code XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX U.S.C. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and discovered several accounts that appear inaccurate and are negatively affecting my ability to obtain credit. Under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX, I am formally disputing the accuracy and completeness of the following accounts. I respectfully request a first-time investigation into these accounts, as mandated by federal law : According to FCRA XXXX ( a ), credit reporting agencies must conduct a reasonable investigation within XXXX  days of receiving a dispute notice, unless it is determined to be frivolous or irrelevant. If the disputed information can not be verified, it must be deleted from the consumers file. 
Please provide written confirmation of the investigations results and any changes made to my credit file. 
The accounts I am disputing with XXXX  include : XXXX ( Account # XXXX * * * * ), XXXX XXXX ( Account # XXXX * * * * ), XXXX  ( Account # XXXX * * * * ), DEXXXX XXXX XXXX ( Account # XXXX * * * * ), XXXX ( Account # XXXX * * * * ), XXXX CRED ( Account XXXX XXXX * * * * and # XXXX * * * * ), XXXX ( Account # XXXX * * * * ), THE BUREAUS ( Account # XXXX * * * * ), XXXX OF XXXX ( Account # XXXX * * ), XXXX ( Account # XXXX * * * * ), XXXX XXXX ( Account # XXXX * * * * ), XXXX  ( Account # XXXX * * * * ), XXXX XXXX ( Account XXXX XXXX * * * * ), COXXXX XXXX ( Account XXXX XXXX XXXX XXXX * * ), XXXX ( Account # XXXX * * * * ), CCBXXXXL ( Account # XXXX * XXXX * XXXX ), XXXX XXXX ( Account # XXXX * * * * ), XXXX  ( Account # XXXX * * * * ), and XXXX ( Account # XXXX * * * * ). 
Sincerely,

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} WFC - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} INQUIRIES : XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a letter from RoundPoint Mortgage dated XX/XX/year>, stating that the flood insurance for my condo rental at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, S.C. XXXX ( Loan XXXX ) was insufficient. 
RoundPoint has had my loan for at least XXXX  years and this has NEVER been an issue. I always get the primary policy from the regime, provide it and the letter goes away. 
This time, I called RP because I had also received a letter saying my wind coverage was insufficient. 
XXXX : I was finally directed the insurance department where they said the policy the regime holds is " about {$7000.00} short of what is required. '' They could not explain to me why this is suddenly the case. Because I contacted the regime 's insurance company and they told me the policy terms had not changed at all, and this is the ONLY mortgage company giving them problems. 
Wind : When I also talked to the insurance dept., I asked why now are they suddenly saying my wind coverage is insufficient? And they said ( paraphrasing ) " we must have done an audit and found it lacking. '' So they're saying they never caught it before? 
I feel that RoundPoint is practicing in fraudulent practices and trying to purchase additional insurance not needed for their lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-08 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-08 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: VA

Complaint narrative:
My information was breached in the Equifax data breach. There are numerous credit inquiries I did not authorize reporting on my credit report to all three credit bureaus. I have sent various letters requesting that the information be corrected.

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 2025-07-08 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: VA

Complaint narrative:
My information was breached in the Equifax data breach. There are numerous credit inquiries I did not authorize reporting on my credit report to all three credit bureaus. I have sent various letters requesting that the information be corrected.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate, incomplete, and inconsistent information being reported on my credit file by XXXX XXXX XXXX, pursuant to my rights under FCRA 611.

There are a consistencies on all three credit bureaus experience, Equifax and transunion on the information on this account information on the daily account was open the status of the account being open and closed as well as the difference in all three reporting balances

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 2025-07-08 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: PA

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 XXXX , 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. 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 : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation