vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This is a matter involving a mortgage loan owned by XXXX XXXX, issued by XXXX XXXX  in XXXX, and serviced by Shellpoint/NewRez, a debt collector, since late XXXX. The original loan was for {$170000.00}. and since then, over {$350000.00}. has been paid back. I merit loan forgiveness/discharge and have submitted requests for same to XXXX XXXX XXXX XXXX XXXX  and Shellpoint/New Rez. 

Shellpoint has not only twice served foreclosure notices on me, but they have illegally charged me thousands and thousands of dollars which I am owed and which would significantly lower the principal balance. I qualify for a Loan Modification but the one Shellpoint sent me violates state and federal laws, which mandate that a Loan Modification must be " accurate and lawful '' and the terms must be " specific and unambiguous. '' Shellpoint refuses to provide a Loan Modification in accordance with these laws, and they declare, in writing, that will provide a Loan Modification only " as offered '' by them. 

Their terms are not accurate and lawful and their language is not specific and when this was pointed out to them, Shellpoint was abusive and threatening. 

I am begging you to please intercede and assist. Shellpoint has had their foot on my neck, trying to steal my home of XXXX plus years and throw me - a XXXX XXXX XXXX single woman in XXXX, NY. - onto the streets.

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 2025-07-03 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 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 2025-07-03 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-03 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
There are Unauthorized auto accounts made to my report as I pulled my report I gained new knowledge of this fact my identification was compromised in the XXXX  data breach as well as other dark web pages.

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 2025-07-03 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: PNC Bank N.A.
State: IN

Complaint narrative:
I called my bank ( PNC ) about an unauthorized withdraw from a company ( XXXX XXXX ) who never had my new updated account information given to them by me. They responded by giving me a provisional credit in XXXX only to reverse their decision XX/XX/year>. They ( PNC ) openly admitted in XXXX different recorded conversations that their bank card ( XXXX XXXX ) automatically updates card info without a consumers consent to all accounts that had used or was using autopay with previous card numbers over all accounts, so therefore reporting a card lost or stolen becomes overruled. They admitted to me it was their fault but then declined to fix it but instead tells me to ask creditor ( XXXX XXXX ) to fix THEIR error or I would just be without luckIm being held hostage financially by this institution because of them breaking their own protocols and telling me that I need to fix it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-03 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: CA

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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, CA XXXX INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-03 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: GA

Complaint narrative:
XXXX XXXX still have not factly stated why was my first home preservation application not accepted ; XXXX XXXX XXXX, as a 30 year veteran customer? 

In XX/XX/XXXX, XXXX XXXX denied my 3rd home preservation application with the goal of never providing me home preservation support. XXXX XXXX reported a XXXX on the home equity line of credit in XX/XX/XXXX. The " card '' holds the funds for the home line of credit XXXX XXXX collected over {$860000.00} from me on XX/XX/XXXX for the same home equity line of credit loan. XXXX XXXX XXXX XXXX, has collected monthly payments from me to pay my non-delinquent mortgage throughout this hardship and dispute. Along with never having to assist me with my property taxes. 

XXXX XXXX XXXX  wanted to auction my home and destroy my credit to leave me living on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXXy I ordered a hair product using my Discover card. The ad promised a 90 day guarantee. The product didn't work so I filed a claim. Discover sided with the merchant. When I had contacted the company about a refund, they said I had to show video proof of use. This was not mentioned in the original guarantee. Since then I have talked to Discover at least 6-7 times. Each time giving them additional information and explaining the ENTIRE problem again. Still, no refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$40.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Hello, this company is harassing calling my daughter and mother about a debt that is inaccurate amount of money. They never responded to mu calls but they are calling my entire family. They call my mother 3 times back to back on XX/XX/year> and my daughter same amount of time on XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
request that you immediately remove any and all inaccurate, unmailable, or unauthorized addresses listed on my credit report that do not reflect my current or prior place of residence. These addresses are not associated with me, and I am concerned that their presence may impact the accuracy of my consumer report.

In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of incorrect or unmailable addresses violates this standard and may expose me to potential risk or misrepresentation.

I should ONLY have ONE mailing address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
request that you immediately remove any and all inaccurate, unmailable, or unauthorized addresses listed on my credit report that do not reflect my current or prior place of residence. These addresses are not associated with me, and I am concerned that their presence may impact the accuracy of my consumer report.

In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of incorrect or unmailable addresses violates this standard and may expose me to potential risk or misrepresentation. 

I should ONLY have XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$3200.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$790.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-03 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: GA

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 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( 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 15 U.S.C. 1666b, creditors must allow at least 21 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I had both a checking and savings account with Chime that I did not use regularly but still monitored. I went to check on it one day ( a couple months ago I can not remember the exact date ) and the login portal informed me my account was closed. I called the number provided to get details and was told that the account was closed due to inactivity and that my funds would be mailed to the address on file. I assumed it was resolved. 

I have not received my funds as of today XX/XX/year> so I called Chime customer support back to inquire where they would be or if they had been mailed out. I confirmed my address with the representative and they said they would escalate it and have the funds mailed out. Shortly after I received an email from Chime Member services that my funds were sent to the state upon closure and that I should inquire with them to retrieve them. I went to Washington state 's unclaimed property web search and can not find anything matching my property ID. 

I'm opening this inquiry here as I think, although not a lot of money, I can't be the only one that Chime has done this too and if this were a person 's only account they would be totally unable to access any of their funds. This is very upsetting and frankly scary. Is there anything that can be done to retrieve these funds? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I HAVE SENT DOCUMENTS AND CALLED SEVERAL TIMES TO TRANSUNION, EXPERIAN AND EQUIFAX ABOUT DISPUTING FRAUDULENT ACCOUNTS, INQUIRIES AND ADDRESS ON MY REPORT. i HAVE FILED A POLICE REPORT AND FTC REPORT. BELOW ARE THE ACCOUNTS, INQUIRIES AND ADDRESS. 
FRAUD ACCOUNTS- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FRAUD ADDRESS- XXXXXXXX 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