vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/2025 I used XXXX XXXX through my checking account to pay off our mortgage with Shellpoint Mortgage. The amount I sent was {$44000.00}. This is the exact payoff I was quoted. By XX/XX/2025 the payment still had not posted to our account. When I contacted Shellpoint Mortgage I was told the payment was likely lost in the mail and I should stop payment through my bank. I immediately did so but later that day I checked our mortgage account online and the payment had finally posted. I called my bank and asked to cancel the stop payment. I was told it was canceled but the next morning, the entire amount was back in our checking account. Meanwhile our mortgage was still showing as paid in full. I called Shellpoint and explained the issue to a XXXX named XXXX. He advised me to do a wire transfer and when I asked if this would cause confusion to receive another payoff when the account was showing as paid in full, he said he was making thorough notes and the funds would be applied correctly. The wire transfer was made on XX/XX/2025 in the amount of {$44000.00} ( I added an extra {$100.00} to cover additional interest ) and as of today, XX/XX/2025 the payment is still not posted. My husband and I have made numerous phone calls, all leading XXXX nowhere. We have had so many excuses as to why the payment hasn't been applied, from a " technical error '' that my husband ( the primary loan holder ) was deceased and therefore they could not apply a payoff in his name to the latest that we did not send enough money. The latest XXXX we spoke to yesterday told us the money has been returned to XXXX Bank and put the blame on them for not crediting the funds back to our checking account. Meanwhile XXXX Bank has done their research and say the funds are still with Shellpoint. Shellpoint has not provided any proof to us that the funds were returned to XXXX Bank. Please help us get our money back. Paying off our house was a happy event in our lives and we never dreamed it would turn into a nightmare.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a {$6600.00} debt placed on my credit by a debt collector on behalf of a former landlord. The debt stems from a severe plumbing issue that made the rental unit uninhabitable and forced my family to evacuate for health and safety reasons. 
On a Sunday night in late XX/XX/year>, the downstairs toilet overflowed with raw sewage and fecal water, flooding the apartment. We had reported plumbing issues before this, but no long-term repairs were made. That night, we had to leave with our XXXX and XXXX children because the unit was unsafe. 
The landlord sent someone the next day to clean, but the cleanup was incomplete. We spent two full days cleaning and still found fecal-stained toilet paper behind furniture. Odors remained, and we submitted a written notice to vacate within that week.

The landlord later sent us a {$6600.00} bill that included two months of rent, damage charges, and cleaning costs. They falsely claimed we flushed a diaper and spoon which we deny and which was never documented. The account was sent to collections without proper notice or a chance to dispute.

The lease stated repairs over {$1000.00} were the landlords responsibility and allowed early ter
mination if the unit became uninhabitable. Georgia law ( O.C.G.A. 44-7-13 ) also requires landlords to maintain habitable premises. This qualifies as constructive eviction.

The charges are inaccurate, based on false assumptions, and in violation of the lease and Georgia law. I request the full removal of this debt from collections and from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 


Account 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

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 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 


Unauthorized Inquiry ( XXXX ) : CAPITAL ONE Date of Inquiry ( XXXX ) : XX/XX/year> Unauthorized Inquiry ( XXXX ) : CAP ONE NA Date of Inquiry ( XXXX ) : XX/XX/year> Unauthorized Inquiry ( XXXX ) : CAPITALONE Date of Inquiry ( XXXX ) : XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
This is a follow-up to my prior CFPB complaint # XXXX against Prosper Marketplace , Inc . 
Prosper acknowledges I missed the XX/XX/year> payment and classifies my account as in default based on the XXXX XXXX. However, XXXX response fails to address the key reasons that caused the missed payment, which were directly related to their own errors and communication failures. 

In XX/XX/year>, Prosper erroneously reported my loan as XXXX XXXX XXXX XXXX to all three major credit bureaus despite my payments being current. I disputed this, and TransUnion resolved the dispute in my favor. 

Prosper did not provide any notice or reminder about the missed XXXX payment. Their online portal showed no record for XXXX, unlike other months, leaving me unaware that payment was missed. 

On XX/XX/year>, Prospers account dashboard inaccurately displayed the loan status as LATE, XXXX XXXX past due, which reinforced my belief that the dispute was unresolved and no payment was due. 

The missed payment was caused by this combination of XXXX erroneous credit reporting, lack of communication, and a technical issue with my calendars payment reminder for XXXX ( which has only XXXX XXXX ). 

Prospers claim that their investigation does not support these facts is inaccurate and incomplete. Their failure to acknowledge these issues has resulted in an unfair default designation, derogatory credit reporting, and significant harm to my XXXX XXXX. 

I request a thorough review of these facts and a fair resolution.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I discovered multiple unauthorized transactions made via XXXX using my PayPal account. Upon contacting XXXX and providing evidence that I did not authorize these purchases, XXXX agreed with my claim and processed a refund. The refunded amount was deducted from the content creators balance and my XXXX balance was made negative, clearly showing XXXX acknowledgment of the issue and their effort to reverse the charges. 

However, when I submitted a dispute to PayPal with this evidenceincluding screenshots and communication confirming the refundPayPal denied my claim and refused to return the funds to my account. This is unacceptable, as I have proof that the merchant ( XXXX ) approved and initiated the refund, and that the transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified " response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-21 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/year>, I sent Ally Bank a written Debt Validation Notice under XXXX XXXX XXXX ( b ), requesting proof of the alleged debt, original contract, and lawful authority to collect. They received this and subsequent notices but failed to respond lawfully within the required XXXX window. 

Instead of validating the debt, they continued collection efforts via email and phonedespite my demand to only correspond in writing. Their failure to validate the debt, provide the original contract, or rebut my affidavit constitutes a recorded dishonor and a violation of federal law. 

I have now lawfully recorded this dishonor with a XXXX XXXX XXXX, and Im preparing a civil lawsuit to protect my property. Ally Bank is in breach of good faith and fair dealing and has shown a pattern of continued collection without lawful proof. 

I am requesting this agency investigate and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 recently reviewed my credit report and noticed an account that was not reporting accurately. My student loan account, which had been in good standing and reported as current, was suddenly marked as XXXX days latewithout any prior XXXX or XXXX delinquencies being reported. This is inconsistent with the standard reporting timeline and raises serious concerns about the accuracy and integrity of the information being furnished.Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be complete and accurate. Reporting a XXXX delinquency without any prior notice of XXXX or XXXX lateness is a clear violation of this standard. 
Additionally, I noticed that Equifax does not even show this account as up to date, failing to reflect the history of on-time payments or the accounts previously good standing. This omission further contributes to the inaccuracy and misrepresentation of my credit profile. 

Ive attached a copy of my credit report highlighting these discrepancies on the following dates : XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that this account be corrected and updated to reflect the accurate payment history. You can not report or retain inaccurate information with knowledge that it contains errors. Thank you for your understanding and prompt action. Please update this account to reflect its correct status : 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 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
Rocket Mortgage denied or delayed our XXXX  loan by enforcing an internal policy that goes beyond what HUD allows. They required all XXXX XXXX  arrears to be paid in full, even though my husband has a court-ordered garnishment plan and has made every payment on time for over XXXX years. FHA guidelines permit this, yet Rocket applied a stricter overlay and refused to escalate the issue. This practice was never disclosed up front and has jeopardized our home purchase. I am also notifying Rocket Mortgage of this complaint.

Company response to consumer: Closed with explanation