vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 2025-05-23 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: MD

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 XXXX USC XXXX. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are supposed to 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
I sent a dispute request ( XXXX XXXXXXXX ) to Sallie Mae as as XXXX. The first request was denied stating reportings was accurate. I recently filed another dispute and just got the report. Only one Sallie Mae loans was corrected. I was informed I should file a complaint with CFPB. This is really effecting my Credit score. All Im asking for Sallie to respect the protection act on my behalf. My Bankruptcy Attorney has filed an additional conjunction through the court. And Sallie Mae hasnt taken heed to the warning. PLEASE HELP! Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
Company : XXXX XXXX  and/or Charles Schwab Bank Product : Loan payment services/ XXXX  error Issue : Payment was made to a closed loan account and not refunded Complaint : I confirmed with XXXX in XXXX that my car loan was paid off and closed. However, an automatic XXXX payment of {$930.00} was processed from my Charles Schwab Bank checking account via XXXX shortly thereafter. XXXX claims the account was closed and the payment was not accepted, yet the funds were withdrawn and not returned. 

I have spent hours speaking with Schwab, XXXX, and XXXX ( indirectly ), and all parties deny responsibility. Schwab and XXXX say they sent the money ; XXXX says they didnt accept it. I have received no refund, and my money is missing. Im seeking the return of the {$930.00} and a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-05-23 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: TN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
These accounts have been reported under my name without my authorization or knowledge, and I have never opened or managed them. This is entirely unacceptable and constitutes a serious breach of accuracy and integrity in my credit file. These false entries misrepresent my financial history and undermine my credibility. I demand immediate clarification regarding their origin and insist on the prompt removal of any account that can not be verified as legitimately mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
These accounts have been reported under my name without my authorization or knowledge, and I have never opened or managed them. This is entirely unacceptable and constitutes a serious breach of accuracy and integrity in my credit file. These false entries misrepresent my financial history and undermine my credibility. I demand immediate clarification regarding their origin and insist on the prompt removal of any account that can not be verified as legitimately mine.

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 2025-05-23 00:00:00
Product: Mortgage — VA 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: TX

Complaint narrative:
URGENT : THIRD IMPROPER COMPLAINT CLOSURE - DOCUMENTED FEDERAL VIOLATIONS IGNORED Loan : XXXX | Servicer : Shellpoint Mortgage Servicing | Borrowers : XXXX XXXX ( Age XXXX ) CRITICAL ISSUE : Shellpoint closed my previous CFPB complaint XXXX XXXX on XX/XX/XXXX WITHOUT resolving documented federal violations. This is the THIRD improper closure. Foreclosure scheduled XX/XX/XXXX - only 39 days away. 
SHELLPOINT 'S OWN RESPONSE PROVES FEDERAL VIOLATIONS : RESPA VIOLATION ( Documented ) : Shellpoint admits 14-month delay in sending transfer notice - violates 15-day federal requirement IMPOSSIBLE TIMELINE ( Documented ) : Shellpoint claims foreclosure began XX/XX/XXXX, just 16 days after loan acquisition - VIOLATES 120-day delinquency requirement under federal law FRAUDULENT DOCUMENTATION ( Documented ) : Shellpoint provided THREE different balance amounts in same response : 1098 form : {$22000.00} Foreclosure notice : {$29000.00} CFPB response : {$30000.00} Which amount is real? How can I dispute unknown charges? 


VA LOAN VIOLATIONS : This VA-guaranteed loan from 1998 - Shellpoint provided ZERO evidence of VA compliance ELDER FINANCIAL ABUSE : I am XXXX years old, {$17000.00} annual fixed income. Disputed amount = 2 years of my entire income. Foreclosure would leave me homeless. 
CFPB VIOLATION : Closing complaints without resolving documented federal violations violates CFPB 's consumer protection mandate.

DEMAND : KEEP THIS COMPLAINT OPEN until ALL violations resolved HALT foreclosure until investigation complete REQUIRE complete loan documentation from 1998 INVESTIGATE why CFPB allows closures despite documented violations EVIDENCE : I have Shellpoint 's written response admitting to timeline violations, balance discrepancies, and transfer notice failures.

URGENCY : 39 days until foreclosure. This is my only home. These violations are documented in black and white- not disputable.

QUESTION FOR CFPB : How can servicers close complaints by simply responding, even when their response PROVES federal violations? This defeats the entire purpose of consumer protection. 
Contact : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX TX 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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
I applied for a personal loan through prosper was approved signed my contract. They pulled my credit report and then was denied for a suspicious bank account. Ive had the same bank account on their system for XXXX years. Its looking at me like its discrimination, but I signed my loan contract. I want my money

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 2025-05-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My wife got a call from This company not clear if they were a process server or a collection agency. They threatened that there is a complaint against me and threatening a lawsuit against me for a debt that was owed from 2009. I called a few times my wife tried getting their address. They refused to give it to her. We asked them if they were a collection agency. They said that they just process the paperwork for the lawsuit, but yeah, they had the creditor and the amount owed, but that was it. I advised them the statute of limitations in New York is XXXX years. They got frustrated after I told them I had an attorney. They hung up then blocked me and my phone number from calling them Very unprofessional and they never not once said this is an attempt to collect a debt as they are supposed to do if they are a genuine debt collector, he also mentioned the summons is in the mail. Why would you form for me about a summons in the mail process server would not do that. 

The name of the company was XXXX XXXX XXXX and the phone number they used was XXXX. 


If you get a phone call from this number report them to this agency for scamming people they called my wife, my father they called all my relatives. This is just absolutely disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
I am filing this complaint against Waypoint for inaccurately reporting a collection account on my credit report and failing to validate the account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Below are the details of my complaint : On XX/XX/year>, I mailed a dispute letter to Waypoint, using the mailing address listed on my credit report, requesting specific information to validate a collection account that is being reported inaccurately. I relied on the accuracy of the address provided in my credit report, assuming Waypoint had verified and validated all account details prior to reporting, as required by the FCRA. However, the dispute letter was returned to me as undeliverable, indicating that the address provided by Waypoint is incorrect or invalid. This suggests that Waypoint did not thoroughly verify the collection account before reporting it to the credit bureaus, which violates FCRA provisions for accurate and complete reporting under 15 U.S.C. 1681s-2.

Under the FCRA, Waypoint, as a furnisher of information, is required to ensure the accuracy of the information it reports to credit bureaus and to investigate disputes when notified. Additionally, under the FDCPA, Waypoint is obligated to provide validation of the debt upon request, pursuant to 15 U.S.C. 1692g. The return of my dispute letter due to an invalid address demonstrates Waypoints failure to maintain accurate records and respond to my validation request, causing harm to my credit profile. 
This inaccurate reporting and failure to validate the debt have caused me harm I am including a copy of the returned dispute letter dated XX/XX/year>, as evidence.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
I used my cash app account to buy a room on XXXX on XXXX. To start upon arrival the room I was given wasnt even the room i booked online. It was a complete different address and didnt have a private bathroom. The rooms ad online boasted about air conditioning yet ours was broken and the host told me that it wasnt even hot. The room and house was absolutely disgusting. Also, a used XXXX XXXX was discovered wrapped in the towels provided by the host. I didnt even stay the night in the room therefore i didnt even use the service that I paid for because it was that bad. I contacted XXXX and told them everything and they told me within 24-48 hours I would be refunded. I wasnt. I called the host and he told be basically to get over it. So as a last resort I contacted cash app and made a dispute. They Dinied me twice. I even sent pictures and screen shots from my conversations with XXXX. I feel I didnt get the service in which I paid for and want my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name XXXX XXXX  Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: WI

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-23 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: WI

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

Company response to consumer: Closed with non-monetary relief