vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — VA 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: AZ

Complaint narrative:
I have called 4 times and have requested these document from New Rez, then Caliber, and I even contacted XXXX XXXX where my loan originated from. Ironically, I seemed to only get some guidance and direction from XXXX at XXXX XXXX. I was referred in a phone cycle multiple times with hours of productivity and work revenue being lost. 
Not only have I been in perpetual phone XXXX, I have emailed numerous times requesting this info without any assistance. Thankfully, XXXX, from XXXX XXXX, gave me some guidance and you are now getting my complaint because other companies do not seem to be able to do their job, retain documents, and or meet the RESPA and TILA guidelines for The State of Arizona on document safety and retention that is ironically mandated by the XXXX guidelines. 
I have spent enough time chasing these documents so that I can handle a tax concern. Now, I would like these companies to be accountability to provide me these documents ASAP. I am on a timeline and this is something that needs to be resolved today. I would like Caliber and New Rez to resolve this today.XXXX  has exhausted all of the resources that he has and his agent, Cec, spent time on holds and in the phone systems trying to assist me with these documents. Unfortunately, she didn't get any resolution either. Lastly, New Rez and Caliber need to do better. 

Thank you, 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 2025-09-10 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: AR

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Dispute Resolution Credit Inquiry Removal Letter : I am writing to dispute unauthorized inquiries and unknown accounts on my credit report. Please see the lenders and dates below I was affected by the Equifax XXXX  data breach. Please see documented evidence. Unknown accounts are listed on the Identity theft report provided. 
INQUIRIES BELOW, ACCOUNTS ATTACHED ON IDENITITY THEFT REPORT XXXXXXXX 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 2025-09-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-10 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Issue : Incorrect information on credit report/ Improper debt collection practices/ Harassment of third party Description : In 2019, I became seriously ill and could no longer work. Because I could not pay rent, the management company gave me a pay rent or quit notice. I moved out promptly and without incident. There was never a formal eviction, no damages were claimed, and I had no further communication from the landlord or management company. 



Nearly XXXX years later, I discovered a {$34000.00} collection account tied to this property had been placed on my credit report. I was never contacted, never served with notice of any lawsuit, and never given any opportunity to resolve the matter. 



This reporting is false and damaging : I moved out in 2019 without damages or dispute. 
I was never contacted about any balance before it appeared on my credit report. 
I have reached out at least XXXX times and received no response. 




In addition, the company has been harassing a former roommate/co-tenant who was on the lease only for the first year and legally removed long before I left. She has no responsibility for this account and should not be contacted. Their attempts to pursue her for this debt are a clear violation of consumer protection laws. 



As a result, this account has destroyed my credit, preventing me from securing housing and student loans. It has also caused undue stress and harm to an uninvolved third party. 



I request that : This false tradeline be immediately removed from all credit reports ( XXXX, XXXX, XXXX  ). 
The company cease all collection activity and third-party harassment. 
The CFPB investigate these practices and hold the company accountable for violations of federal and California law. 




Company Involved : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed through applications made in my name. These companies pulled my credit file without my consent or authorization. I do not recognize these inquiries, nor did I apply for credit with these entities. These fraudulent inquiries are a violation of my rights as a consumer and an unacceptable misuse of my personal information.

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 2025-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I moved out in 2021 and I provided documents. I didn't owe anything

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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credence resource management XXXX ( For XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account No. [ XXXX ] Formal Dispute and Cease Harassment To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby notified of the following : Harassment Prohibited 15 U.S.C. 1692dYour repeated calls, threats, or other conduct designed to annoy, abuse, or harass me violate 1692d. This includes, but is not limited to, excessive phone calls, hostile tone, and any suggestion of legal action that you are not both authorized and intending to pursue. Let me be clear : such conduct is unlawful and will not be tolerated.

Validation Required 15 U.S.C. 1692g ( b ) Until you provide proper verification of the alleged debt including the original creditors name, itemized accounting, and legal proof that you have the right to collect you must immediately cease all collection efforts. 
Cease Harassment & ContactI demand that you stop contacting me by phone entirely. Any further communication must be in writing only, sent to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: VA

Complaint narrative:
Date XXXX, amount is {$900.00} dollars .I call XXXX XXXX card and ask them to close my account and send my money to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am submitting a formal complaint against Speedy Cash regarding their handling of my payday loan. 

On XX/XX/year>, I contacted Speedy Cash and requested to convert my payday loan into an installment repayment plan. My understanding is that under Texas law and applicable local ordinances, borrowers have the right to request a repayment plan consisting of no more than four installments, each reducing the principal by at least 25 %.

I spoke to two representatives and they both said they could not help with the repayment plan request. I requested a written email of the refusal and XXXX sent me a copy of the loan contract and XXXX an account specialist finally sent me the attached refusal email. 

I received a written email from Speedy Cash on XX/XX/year>, which stated : Upon review of your account, you are not eligible for a payment plan at this time. Please call us to discuss repayment options. 

This vague refusal fails to provide a lawful basis for denying me the installment repayment option. I believe this response is inconsistent with Texas consumer protection regulations that govern Credit Access Businesses and payday lending practices.

I am attaching a copy of the refusal email for your review.

I respectfully request that your office investigate Speedy Cashs refusal to provide an installment repayment option and require them to comply with Texas law. I am seeking the ability to resolve my loan responsibly through the installment plan protections available to me as a Texas borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CarMax, Inc.
State: IL

Complaint narrative:
I am disputing an account being reported by CarMax Auto Finance that does not belong to me. The account is fraudulent and inaccurate. It is being reported with a balance of {$26000.00}, status of charge-off, and a last payment date of XX/XX/2024. I never opened this account, never authorized it, and never made any payments toward it. 

I have filed multiple disputes with the credit bureaus ( XXXX, XXXX, and XXXX  ) requesting deletion under the Fair Credit Reporting Act. Despite this, the account continues to appear on my credit report. This is a violation of FCRA 611 regarding reinsertion of previously disputed information without proper certification. 

I also requested verification from CarMax Auto Finance. They failed to provide any proof that I opened this account or that the reported information is accurate. Under FCRA 623, furnishers must report complete and accurate information, and this has not been done.

This account is the result of identity theft. Under FCRA 605B, I am entitled to have it blocked from my credit file. Its continued reporting has harmed my credit profile and caused ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: TN

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing significant harm and continue to negatively impact me in serious ways. This situation is unacceptable and must be addressed without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-10 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: TX

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was fraudulently induced by an impersonator claiming to be from XXXX to purchase XXXX gift cards using my Chase debit card. The scammer convinced me that these purchases were necessary to resolve issues with my service. I only made the transactions under this deception. I did not intend these transactions for my own use or benefit, nor did I authorize the scammer to access my funds.

I filed a Regulation E claim with Chase, explaining that I was the victim of impersonation and fraudulent inducement. Chase denied reimbursement, stating that because I initiated the purchase, it was authorized. This ignores the fact that I was manipulated and deceived into authorizing transactions I never would have made otherwise.

I believe Chases denial is inconsistent with the intent of Regulation E, which is to protect consumers from unauthorized electronic fund transfers and fraud. Fraudulent inducement and impersonation are forms of fraud where the consumer does not truly consent.

I am requesting that the CFPB review Chases handling of my claim, as well as Chases obligations under
Regulation E when customers are manipulated by impersonators into conducting transactions against their own interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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