vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted the paperwork for a partial release. I was assigned a point person and told it would take 60 to 80 days to complete. I met all the guidelines and Newrez sent an appraiser to evaluate my property. By XX/XX/XXXX all communications from Newrez stopped. I called dozens of times and spoke to representatives and supervisors who said they would escalate my case. I received letters stating my case would be resolved in XXXX days. That was 60 days ago. I finally received an email from XXXX at Newrez Partial Release department apologizing because it was brought to their attention that XXXX left the company and no one was working on my partial release. He also stated that I was approved and the final step was a partial release letter from real estate attorney which I submitted immediately. XXXX said he received the letter from my real estate attorney and he would handle the final stages on XX/XX/XXXX. At that point XXXX ceased all communication. XXXX is no longer responding and I need this partial release letter from Newrez so I can file with the county and close on the sale of my property. This has taken 144 days and not because I have a difficult case but because no one at Newrez has been working to finalize my process. I am shocked at the lack of customer service of Newrez and the difficulty in talking to anyone that can actually help. Newrez set three deadlines during this process and have missed them all. I would like to add that as soon as I asked about paying off my mortgage the next day I was flooded with phone calls, not to help me but to generate more business for Newrez.

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 2025-05-06 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-06 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I called on XX/XX/XXXX ( monthly payment was due at the end of XXXX ) before my payment was due to ask for a defer payment and was made aware that they do not do that. They did however offer a payment plan, where I was NOT notified that this would affect my credit score. The payment arrangements were agreed upon and noted in the account. If I had been made aware that this would affect my credit score I would have continued my original monthly payments and made no arrangements. I made the XXXX monthly payment arrangement and in XXXX made my second and last monthly payment arrangement. After I made my second payment I was called by another representative who notified me that the payment arrangement had not been made only noted to the account. Who then proceeded to make the payment arrangement if I made a third payment. She also did not notify me of the effects it could have concerning credit reporting. So I called on XX/XX/XXXX when it dropped my credit score XXXX points. Only after multiple phone calls and a complaint was I notified that my payment arrangements would affect my credit score. I asked if I could pay the previous balance to fix the late reporting because I notified them in XXXX that I was currently under contract for buying a home. Their only resolve was to mail a complaint in.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX  ( and any other bureau reporting this item ) for the inaccurate reporting of a civil judgment as an eviction, which is false, misleading, and in violation of federal consumer protection laws. 

The judgment in question stems from Case # : XXXX in XXXX XXXX XXXX XXXX, filed on XX/XX/XXXX, with a judgment amount of {$1400.00}. It was marked as Plaintiff ; Full Satisfaction on XX/XX/XXXX. The court document clearly confirms that this is a civil monetary judgmentnot an eviction. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to : Maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Avoid reporting misleading or incomplete information ( 15 U.S.C. 1681i and 1681s-2 ) By coding or categorizing this item as an eviction, the credit bureau is misrepresenting the nature of the judgment, which may lead to discriminatory housing decisions and reputational harm. This constitutes a violation of the FCRA and causes undue harm. 

Demand for Correction : I demand immediate deletion or reclassification of this item on my consumer credit file. It must not be reported or inferred as an eviction. Failure to do so is considered a willful violation and subject to enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
My husband and I walked into XXXX XXXX XXXX XX/XX/year>. We picked out a couch that was XXXX. We decided we would like to finance the couch. We got with a representative who then said that they would have to do an application for the financing. We went through the process and I explained to him that the creditor will have to call to verify me because my credit profile is locked for specific reasons. He then said they would call me within 15 minutes. Nobody called me that day. I called the company XXXX XXXX to check on my application because nobody called me to verify anything like they should because my account is locked. I also noticed the salesman ran my credit for a {$4000.00} loan when the couch was on {$670.00}. The ethics are completely off. Nobody called to verify me, so the inquiry should not be showing on my credit report. I did not approve a loan for {$4000.00}. I only needed it for the amount being spent on the couch.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to demand the immediate removal of the following inquiries from your records due to my status as a victim of XXXX XXXX  This request is urgent and must be addressed within four days of this notice. The emotional and XXXX  toll of my experience necessitates that my financial information is treated with the utmost sensitivity and urgency.

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 2025-05-06 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: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-06 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: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-06 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Dear Global Lending Services. 

I am writing regarding my auto loan account. I am currently experiencing financial hardship that has affected my ability to remain current on my payments. I take full responsibility for this situation and am committed to working with you to find a solution. 



I respectfully request information on whether your institution offers a special payment plan, loan forbearance, or debt restructuring options that may help me bring the account current. I would also appreciate it if you could provide the exact total past due amount, including any fees or penalties, and the minimum amount required to avoid repossession. 



Please consider this a formal request made in good faith under my rights as a consumer. I would also like to remind you that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I ask that all communications be professional and in writing whenever possible. 



If needed, I am willing to provide supporting documentation regarding my financial hardship. 



Thank you for your time and understanding. I look forward to your response and hope we can reach a resolution that benefits both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC XXXX ( a ) ) and Regulation XXXX  ( XXXX XXXX XXXX ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within XXXX days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXXday notice requirement, their reporting and collection activity is unlawful.

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 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC XXXX ( a ) ) and Regulation XXXX  ( XXXX XXXX XXXX ), they were required to send me a written notice of the debt within XXXX ( XXXX ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within XXXX days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to XXXX or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXXday notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
TransUnion is currently reporting a late payment on an account from XXXX XXXX under account number XXXX, despite the balance showing as {$0.00} and no current delinquency. This is misleading and deceptive. A XXXX balance and no open delinquency indicate that the account is either closed, paid, or otherwise resolvedand if thats the case, it should not be dragging down my report with a late payment status. I have not received any documentation showing when this alleged delinquency occurred, how long it persisted, or whether it was properly communicated to me. Inaccurate payment history reporting not only damages my credit standing but also violates the FCRAs requirement for fair and accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief