vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: IL

Complaint narrative:
Basically I been disputing this account as paid this account off I never sent the information because I requested for the company to prove that the account wasn't I sent in so many validation for this account sent in the ftc report asking them to remove and delete off my credit report XXXX does not investigate correctly at all only thing it's says every time I dispute this account belongs to me no proof that I didn't pay dis account always come back that the account is accurate and belongs to me

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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am trying to assume my Chase mortgage/remove a borrower. I started the application in early XX/XX/XXXX. My application was accepted, and a credit report was pulled on XX/XX/XXXX. I was told all along that once in underwriting it would take 30-45 business days to receive an approval or denial. I was sent into underwriting at least twice ( the process would stall out and then when asked to provide further/repeat documentation, I would get bounced back out of underwriting ). I have now been in underwriting since XX/XX/XXXX. On XX/XX/XXXX my credit was pulled again ( because the previous pull from XX/XX/XXXX had expired ). I have remained in underwriting since XX/XX/XXXX. It is now XX/XX/XXXX. I was asked to provide the most recent quarterly statement for my XXXX on XX/XX/XXXX. I got it over to the Assumptions team within the hour. On XX/XX/XXXX I called the assumption team to confirm they had received my documentation from the day prior. They had. I asked the specialist to find out why it was taking so long and if there was anything else that was needed. He confirmed Underwriting had absolutely everything they could ask for. He told me to call back the following week to check status because I was approaching the 45-day point and there was no reason I shouldn't have received an answer yet. I have been calling multiple times a week to check status of my assumption. I keep getting the same answer " there is nothing else needed from me and the Underwriters just need to be given time to do their job ''. I was informed on the XXXX of XXXX ( business day 46 of being in underwriting ), that underwriting would be another 10-12 business days. The extra days have no explanation for why they are needed. There is nothing required from me. I have had my credit wrapped up in this assumption for 5.5 months and can make no moves financially until it is complete. They are approaching the timeline where they are going to pull my credit again! I have checked with friends and family who are underwriters and they all agree this delayed process is absolutely unnecessary!!!!! Per Reg B Requirements, there needs to be a legitimate reason for the delay. None is being provided. I am doing an assumption instead of a refi so I can keep my interest rate of XXXX XXXX. Nothing about this process gives any reason for such delays. i have turned in everything requested and have been told there is nothing else needed. Please help!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am filing this dispute with TransUnion regarding the following accounts : CHARGED OFF [ Insert specific charged-off accounts for TU ] INQUIRIES XXXX  XX/XX/year> XXXX, XX/XX/year> EQUIFAX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Insert specific positive accounts for TU ] LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-11-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to provide clarification regarding my recent communication with Chase Bank about the settlement of my account. I contacted Chase to arrange payment of my debt, and I was informed that once payment was received, I would receive a letter confirming that my account was paid in full. 

However, the letter I received from Chase stated that my payment had been reviewed, and that the payment would be reversed if it did not go through. This statement was unnecessary because my payment was processed and received immediately without any issues. 

When I contacted Chase for correction, I was advised that they could not issue me a letter confirming that I no longer owe any balance and that my debt has been fully satisfied. 

This is unacceptable as a bank as big as Chase to provide me a simple letter stating my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX in my church " group me '' page. 

I gave him ( a scammer ) {$55.00} via Chime. 

I called Chime and they said they would not be able to get my money back but that there were multiple charges for the same and other various amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRB-40, LLC
State: TX

Complaint narrative:
I asked original company with car payment to come get vehicle due to not able to continue to make the payments which they would not restructure or negotiate to lower monthly payments. It took them over 5 months to finally come get vehicle. I had asked if I could bring to a location and they said that they would have to come get it. After they picked vehicle up, I didn't hear anything from them for at least a couple months or longer. I was told at that time that they sold vehicle and I was no longer responsible for any payments. A couple years go by and I find out that I owed money through a debt collector which I found out because of security clearance random check and is in danger of losing my clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am filing this dispute with Experian regarding the following accounts : CHARGED OFF [ Insert specific charged-off accounts for XXXX ] INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LATE PAYMENT 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
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
This record provides an inaccurate representation of my financial history. I respectfully request that it be reviewed and revised for accuracy.

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 2025-11-10 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
In XX/XX/year>, I paid Equitable {$180.00}, which they confirmed as the full amount owed at the time of my resignation. In XX/XX/year>, I received a new letter claiming I owed {$3900.00}, which I formally disputed in writing on XX/XX/XXXX. Despite my certified dispute and a follow-up letter on XX/XX/XXXX, Equitable has not responded to either letter and has continued collection activity without providing proper verification. On XX/XX/XXXX, they emailed me internal documents and a revised balance of {$2700.00}, including interest. I believe this violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting that all collection activity stop and that written confirmation be provided showing my account as paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-11-10 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: TX

Complaint narrative:
ON XXXX XXXX I RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE COMPANY TO TELL ME THEY HAVE MY MORTGAGE ACCOUNT FROM XXXX XXXX XXXXXXXX THEIR SISTER COMPANY! I MOSSED THE CALL AND CALLED SHELLPOINT MORTGAGE BACK ON XXXX XXXX ON THIS RECORDED LINE I WAS TOLD BY ONE OF THE REPRESENTATIVE THAT MY ACCOUNT IS STILL WAITING ON PAPERWORK AND WE JUST NEED TO UPDATE YOUR PHONE NUMBER AND EMAIL AND TO CREATE A LOGIN FOR A WORKOUT! ON XXXX XXXX A XXXX XXXX EMAILED ME AND IN THIS EMAIL SHE SAID! SINCE YOU AND YOUR HUSBAND HAS FAILED TO SPEAK TO SHELLPOINT MORTGAGE THEN WE WILL HAVE TO MOVE FORWARD WITH YOUR FORECLOSURE! I THOUGHT I CALLED YOU 4 DAYS AGO AND WAS TOLD YOU WERE MY POINT OF CONTACT BUT NOT AVAILABLE DUE TO THE PAPERWORK WAS NOT IN YOUR COMPUTERS SYSTEM! I WAS ALSO TOLD THAT THE ACCOUNT NUMBER WAS THE SAME BUT THAT WAS FRAUD!! ON XX/XX/year> I CALLED SHELLPOINT MORTGAGE TOO GET MORE INFORMATION AND AGAIN XXXX XXXX WAS NOT AVAILABLE!! I WAS TOLD THAT SOMEONE ELSE IN THAT DEPARTMENT CAN HELP AGAIN XXXX XXXX IS THE ONLY ONE THAT CAN HELP MY ACCOUNT!! ON THE SAME DAY XXXX XXXX I EMAILED XXXX XXXX BACK AND ASK THE CUSTOMER SERVICE REPRESENTATIVE TO SCHEDULE MONDAY AS WHEN XXXX XXXX CAN SPEAK TO ME!! MONDAY I LEFT ANOTHER MESSAGE FOR XXXX XXXX TO SPEAK TO ME ABOUT WHY MY INFORMATION FOR INCOMES LIKE TAX RETURNS AND AWARD LETTER AND PENSION CAN NOT BE USED TO SECURE MY LOAN! MY NEW ACCOUNT NUMBER FOR SHELLPOINT MORTGAGE IS XXXX ALONE WITH MY SOCIAL SECURITY NUMBER XXXX AND MY HUSBAND XXXX!! I DONT UNDERSTAND WHY RULE FOR MORTGAGES HAVE OVER THE CUSTOMERS ARE NOT BEING FOLLOWED! WHY WOULD A MORTGAGE COMPANY SWITCH OUT A ACCOUNT IN THE MIDDLE OF A WORKOUT AND BANKRUPT MAKE US START OVER DUE TO THE INCOMPLETION OF RECEIVING PAPERWORK ONLINE AND IN A FAX!! I WOULD LIKE TO KNOW WHAT CAN YOU DO ABOUT THE FRAUDULENT BANK PRACTICES THAT GOING ON HERE!! BOTH THESE MORTGAGE COMPANIES WERE NEVER IGNORED BY MYSELF OR MY HUSBAND THE OWNERS!! WE NEVER WANTED TO BE HOMELESS! THANK YOU! XXXX XXXXXXXX XXXX XXXXXXXX XXXX! XXXX XXXX SHELLPOINT MORTGAGE! AMEN IN XXXX NAME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: First Help Financial, LLC
State: NY

Complaint narrative:
This is a formal dispute concerning inaccurate and unauthorized information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 15 U.S.C. 1681i, and I request the immediate removal of the following : [ XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] These inquiries were not authorized by me, nor did I initiate any application for credit or services with the listed entities. Under 15 U.S.C. 1681b, a permissible purpose and written consent are required for a hard inquiry. Their reporting constitutes a willful violation of my rights, subject to civil liability under 15 U.S.C. 1681n. I am requesting that these inquiries be removed within 24 hours of receipt of this notice.I expect full compliance with the FCRA. If this dispute is not resolved in a timely and lawful manner, I will pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Credit Reinsertion Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Reinsertion of XXXX XXXXXXXX Credit Card Account Incorrectly Deleted Dear Equifax, I am writing to formally request that you reinsert my XXXX XXXXXXXX credit card account back into my credit file. This account was recently removed in error and has always been reported as an open, positive account in good standing.Account Details : - Creditor Name : Capital One- Account Number ( last 4 digits ) : XXXX Original Open Date : XX/XX/XXXX, XXXX Status Before Removal : Open In Good Standing- Reported Credit Limit : $ XXXX Payment History : 9697 % On-Time Payments- Last Activity Date : XX/XX/XXXX, XXXX XXXX XXXXXXXX account has been properly maintained and previously verified as accurate by both the creditor and the bureaus, as shown on my XX/XX/XXXX credit report. The recent deletion of this positive trade line has negatively impacted my credit profile and was not initiated by me or the creditor.In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), I request immediate reinsertion of this accurate and verified account information. Please confirm the reinsertion and provide an updated copy of my credit report reflecting the corrected information.If you require verification from XXXX XXXXXXXX, their reporting department can be reached at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX Enclosures ( recommended supporting documents ) :1. Copy of government-issued ID ( drivers license or state ID ) 2. Proof of current address ( utility bill or bank statement ) 3. Copy of Social Security card or W-2 ( for SSN verification ) 4. Copy of the credit report showing the XXXX XXXX account before removal ( dated XX/XX/XXXX ) 5. Most recent XXXX XXXX account statement or online screenshot showing the account is still open and activePlease process this correction as soon as possible and confirm receipt of this letter. I appreciate your prompt attention to reinstating this account to ensure the accuracy and completeness of my credit file.Sincerely, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
There are 2 issues I am having with this company. First, the loan was transferred to them back on XX/XX/XXXX. Since the transfer they have the original loan amount at XXXX, which is not correct. The loan amount was XXXX or XXXX with XXXX XXXX. My mortgage was XXXX, it is well over XXXX now since they took over and going up more in XXXX. They will not fix it. I am behind and in the middle of trying to refinance with another company and getting help from the state of Delaware. They should be refunding me a full year of over payments. I am looking into a mortgage audit. 

XXXX, I had a busted pipe in the bathroom that flood half the house back in XX/XX/XXXX, I filed a claim, did all the paperwork and submitted all the documents. Shellpoint received the check from the insurance company in the amount of XXXX that has been held in escrow since XX/XX/XXXX. I have not received one dime for repairs. I am without two bathrooms and flooring and walls in my house. Every document that I have uploaded, they have held for 2 or 3 days to review, then they say it takes 7-10 business days to take action. It is now XX/XX/XXXX, without a dime for repairs. I have two bathroom that are non working because the flooring and the toilets have been ripped out. Walls that have been cut from water damage. It is a mess and no one should have to live like this.

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