vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
On XX/XX/year> I contacted Newrez my mortgage company to inform them that I filed bankruptcy but I would also continue to sell it. Newrez turned over my account to Shell Point who also has a company to go out and inspect the property when someone falls behind. When I talked to Shell Point XXXX XXXX told me that they Guardian had a right to enter the property if they felt it was abandoned. So they would break the locks and replace it with a new lock and key. They did not ask permission to enter the property nor did they inform me via phone or letter to let me know that this was the plan. First of all it is still my property and there was and is a key box on the door indicating that it is being sold, that agents need the key to get in. It's vacant and clean for the showings and I currently have a buyer and my closing date is XXXX XXXX. And Guardian damaged the door in removing the locks that it had. So now my buyers are concerned and I'm upset because Guardian won't return my call and XXXX XXXX at Shell Point thinks it's okay. Attached is a picture of the door and going to be selling XX/XX/XXXX. Again this is my property and they did not notify me, and even when there's a foreclosure ( which is not the case ) you are notified yet i'm not in foreclosure so they should have had my permission..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
See the attached for the details of removal and here for the accoutns to be deleted. 
Remove the following for... 
XXXX XXXX XX/XX/year> ss # xxx XXXX XXXX following errors- on all XXXX agencies. 
XXXX. XXXX XXXX Credit card XXXX. XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX XXXX Credit card XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
I believe after I told a US bank representative I was going to put a complaint in against us bank because they didnt do an investigation on a dispute. I didnt make she put in things to get all my accounts closed through us bank which I had just gotten my business bank and never did nothing with it never even mad a transaction only a deposit

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 2025-06-21 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: NC

Complaint narrative:
I am the victim of identity theft. I have submitted a valid FTC Identity Theft Report and police report. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts must be blocked from my credit reports immediately. Credit bureaus and furnishers are legally required to cease reporting false data under 15 U.S.C. 1681s-2 ( a ) ( 6 ). Their failure to act violates federal law and subjects them to civil liability under 15 U.S.C. 1681n and 1681o. I demand the immediate removal of all fraudulent accounts, inquiries, and derogatory marks linked to this theft. Im requesting the CFPB intervene and enforce compliance. If this is not resolved promptly, I will escalate through legal channels and seek damages for willful noncompliance.

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 2025-06-20 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: GA

Complaint narrative:
I am filing this dispute against Equifax for misrepresenting the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on new evidence from Equifaxs own response, it is confirmed that XXXX XXXX the alleged original creditor is not currently furnishing any data to Equifax. Despite this, Equifax continues to display the XXXX XXXX tradeline as a closed revolving account under the credit accounts section, instead of classifying it properly as a collection. This is inaccurate and misleading, and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), which require all reported information to be clearly and correctly identified. XXXX XXXX is a debt buyer, not a lender, and should not appear in the same section as traditional credit accounts. Furthermore, I have never been provided a signed contract, billing statements, or any legally sufficient debt validation that proves I owe this balance. The account remains unverifiable and improperly reported, despite no credit relationship ever being established or validated. This dispute is not duplicative it is based on new findings documented in Equifaxs own communication dated XX/XX/year>. I request immediate deletion of this account from my Equifax credit report and a full reinvestigation of this matter in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
I XXXX XXXX born on XX/XX/XXXX have a credit card from XXXX # XXXX, and auto loan from XXXX XXXX XXXX XXXX # XXXX under my social security number # XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, Equifax, TransUnion, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX with no successful resolution. Experian, Equifax, and TransUnion reporting me 30 days late in XX/XX/XXXX for XXXX XXXX XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. There was an error on their part. I was never 30 days late.

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 2025-06-21 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: CA

Complaint narrative:
I XXXX XXXX born on XX/XX/XXXX have a credit card from XXXX  # XXXX, and auto loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX under my social security number # XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, Equifax, TransUnion, and XXXX  # XXXX and XXXX XXXX XXXX XXXX  # XXXX with no successful resolution. Experian, Equifax, and TransUnion reporting me XXXX  days late in XX/XX/XXXX for XXXX # XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX  # XXXX. There was an error on their part. I was never XXXX  days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
Crypto Team : On XX/XX/XXXX I wired {$4000.00} and {$70000.00} to Crypto.com from a scammer instruction. Crypto.com credited {$74000.00} to my account. Then, of course, I lost all of my money to a scammer. 
Here are the events that happened to me. 
I was scammed on the XXXX platform from XXXX. My XXXX account triggered an abnormal fund protection mechanism, then put restrictions on my account where I was not allowed to buy any crypto currency. 
The scammer instructed me to wire money to XXXX  on XX/XX/XXXX, My account on the XXXXXXXX system was triggered the Red flag and notified the FBI. XXXX closed my account immediately. The scammer told me that it is a NORMAL procedure. 
The scammer instructed me to wire money to XXXX on XX/XX/XXXX, The scammer instructed me to wire money to XXXX  on XX/XX/XXXX. 
After I attempted to buy crypto on XXXX XXXX and XXXX exchanges, all XXXX of the platforms immediately closed my account and wired the money back to my bank account due to the fact that I was already at high risk from scammers. 
On XX/XX/XXXX, the same scammer instructed me to wire the money to Crypto.com. I did {$4000.00} and {$70000.00}. Crypto.com credited the money to my account and without any high risk flag triggered, let me purchase {$74000.00} crypto. All of my money has been scammed by the scammers and went to scammers. 

Why does Crypto.com have NO protection protocol to prevent investors from being scammed on crypto platforms? If Crypto.com has exactly the same system check procedure, I won't be scammed on Crypto.com. Due to lack of protection, I lost {$74000.00} to the scammers on your platform. 

My bank recalled my {$74000.00} from Crypto.com. 

I need file Arbitration complaint on Crypto.com XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent proof that my account with XXXX XXXX was not late and that the balance due was incorrect. Reporting agencies have not corrected my credit report after sending the proof they requested 3 times. Nor has any of the reporting agencies made XXXX XXXX correct my information even though they have admitted in writing that it is in dispute and will be updated on my credit reports as such. 
These credit reporting agencies are controlled by the CFPB and all three have done nothing to correct the information on my report as i requested several times now which has led to severely negatively impact my credit score.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: TN

Complaint narrative:
XX/XX/year> SIMM Associates, INC XXXX. XXXX XXXX XXXX, Delaware XXXX RE : Formal Debt Dispute & Demand for Assignment Contract Account # : [ Ending in XXXX ] To Whom It May Concern : This letter serves as a formal dispute of the alleged debt you claim I owe and a demand for immediate validation under the Fair Debt Collection Practices Act ( 15 USC 1692g ).

I do not recognize this alleged debt, and you are hereby notified that you must cease all collection activities until you fully validate this account. In accordance with federal law, I am demanding that you provide the complete chain of title, including but not limited to : 1. A full copy of the assignment or purchase agreement giving your agency legal right to collect on this account.

2. The original contract or agreement with my signature showing I am liable for this alleged debt.

3. A full itemized accounting of the alleged balance claimed.

4. Proof that your company is licensed to collect debts in my state.

5. The name and address of the original creditor and the date the alleged debt was incurred.

Until such time as you produce all of the above, this alleged debt is unsubstantiated, unauthorized, and unenforceable.

You are also notified that if you fail to comply or attempt to report or continue to report this account to any credit reporting agency without proper validation, you are in willful violation of the FDCPA and the Fair Credit Reporting Act ( 15 USC 1681s-2 ). Such actions will be documented and pursued with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement and damages.

I demand the immediate removal of any reporting you have made in relation to this alleged debt and a written confirmation that you have ceased all collection activity.

Failure to comply within 30 days will result in legal action for damages, including but not limited to actual, statutory, and punitive damages under 15 USC 1692k and 1681n. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of
information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
I submitted a formal dispute to Experian regarding multiple inaccurate entries and unverifiable late payments on my credit report. These include false derogatory reporting from the XXXX XXXX XXXX XXXXXXXX XXXX ( Child Support ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX, as well as inaccurate personal information. 

Details of the dispute : TN XXXX XXXX ( Acct # : XXXX ) : Experian is reporting a XXXX late payment for XX/XX/XXXX, which is false. I provided a 3-page verified payment history proving I was never late. This entry violates FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX ( Acct # : XXXX ) : A XXXX late is reported in XX/XX/XXXX, but there is no pattern of delinquency or supporting documentation. This appears to be a reporting error. 

XXXX XXXX ( Acct # : XXXX ) : XXXX late payments from XXXX and XX/XX/XXXX are being reported on an account that was closed and paid in full in XXXX. These entries are inconsistent with the " Paid as Agreed '' status and were not verified. 

XXXX  XXXX ( Acct # : XXXX ) : Experian is reporting late payments from XXXX and XXXX while the account is currently open and marked Current. This violates Metro 2 standards and FCRA 607 ( b ).

Personal Information Errors : My report includes inaccurate addresses ( XXXX XXXX XXXX and XXXX XXXX XXXX ) and possibly misreported name variations. The only correct name is XXXX XXXX XXXX XXXX and the only valid address is XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 

I requested that Experian perform a full reinvestigation in accordance with FCRA 611 ( a ) and provide the Method of Verification ( FCRA 611 ( a ) ( 7 ) ), including : The name and contact info of the data furnishers, The procedure used to verify accuracy, Copies of all documentation used in the reinvestigation ( billing records, payment logs, internal notes, etc. ). 

To date, Experian has failed to provide this information or resolve the false and harmful reporting. I am requesting that the CFPB investigate Experians failure to maintain accurate records, follow the law, and respond with transparency and 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