vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
XXXX XXXX XXXX Subject : Formal Dispute Inaccurate Address Reporting Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and incorrect address information currently being reported on my Experian credit report. Despite submitting a previous dispute, the information was marked as " verified '' by your agency. However, this determination is erroneous, as the city associated with the address in question is factually incorrect. This raises serious questions as to how the verification process was conducted and whether Experian fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to my credit file, the disputed address is listed as : XXXX XXXX XXXX XXXX, MI XXXX This is not accurate. The city name is incorrect and does not match any legitimate or verifiable address connected to me. I never lived at, received mail at, nor conducted any financial activity at an address with that city designation. As such, continuing to report this information is materially misleading and damaging.

Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes information. A superficial or automated check that fails to detect an obvious error, such as an incorrect city on an address, does not meet the legal standard of " reasonable. '' In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court emphasized that credit reporting agencies must go beyond mere reliance on data furnishers and undertake an independent investigation when a consumer presents specific facts that indicate an inaccuracy.

Furthermore, the continued reporting of clearly incorrect address data may constitute a violation of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information they report.

I am requesting that Experian : 1. Remove the inaccurate address information with the incorrect city from my credit report.

2. Provide me with a written statement confirming the outcome of this reinvestigation.

3. Supply a copy of any documentation used to verify this incorrect address, including the name of the data furnisher and any supporting materials provided.

If Experian fails to comply with this request, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedy under the FCRA, which provides for damages, attorneys fees, and injunctive relief.

Please respond to this dispute in writing within the 30-day period required under federal law.

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 2025-05-28 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : Account # XXXX URGENT DELETION DEMAND To Whom It May Concern, I am writing to formally dispute the account listed above, which inaccurately reports on my credit profile and continues to cause financial harm. 
This account was charged off and potentially written off for tax purposes. If a Form 1099-C was issued, then under IRS regulations ( Publication 4681, 26 USC 6050P ) and FCRA requirements ( 15 USC 1681s-2 ( b ) ), the debt is no longer collectible and must be removed from my credit file immediately. 

I am demanding the following : 1. Immediate deletion of the account from all consumer reporting agencies.

2. Full validation of this account, including : IRS Form 1099-C ( if issued ) - Bill of Sale or purchase agreement- The original signed contract - Chain of title/ownership of this debt - Transfer of Assignment documents 3. Evidence that I ever entered into a binding, joint, or individual agreement with Capital One or any third party to be responsible for this debt. No such evidence exists.

You have 15 business days to comply. Failure to properly validate or delete this account will result in immediate litigation for : - Misrepresentation of the debt - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Defamation and willful injury to my financial character Please treat this as a formal notice of dispute and a deletion demand under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am writing regarding my auto loan with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a force-placed insurance charge of {$550.00} was added to my loan, which increased my monthly payment beyond the expected amount of {$280.00} from {$230.00} So for the past months, I have been making the payment of XXXX auto pay from my account on the XXXX of every month but they were add additional {$45.00} according to the XXXX because of the insurance Section XXXX ( a ) ( XXXX ) ( A ) Data Furnishers Duty of Accuracy After multiple phone calls with XXXX agents and Collections Specialist, they stated that it will be refunded and remove the force insurance off my loan. After multiple phone calls with XXXX agents and a Collections Specialist, they informed me that the loan would be refunded, and the force insurance would be removed. During the conversation with the agent, I clarified that full coverage would be applied on XX/XX/XXXX. I was assured that the charge would be fully refunded once I provided proof of full coverage insurance. However, despite this, I was reported as 30 and 60 days late, and the delinquencies appeared on my XXXX  and Experian credit reports as of XX/XX/XXXX. 

These late marks are due to a billing discrepancy, not an actual missed car note payment. The payment has always been made on the XXXX of every month, and these inaccurate marks are unfairly damaging my credit profile.

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 2025-05-28 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: GA

Complaint narrative:
I am writing regarding my auto loan with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a force-placed insurance charge of {$550.00} was added to my loan, which increased my monthly payment beyond the expected amount of {$280.00} from {$230.00} So for the past months, I have been making the payment of XXXX auto pay from my account on the XXXX of every month but they were add additional {$45.00} according to the XXXX because of the insurance Section 623 ( a ) ( 1 ) ( A ) Data Furnishers Duty of Accuracy After multiple phone calls with XXXX agents and Collections Specialist, they stated that it will be refunded and remove the force insurance off my loan. After multiple phone calls with XXXX agents and a Collections Specialist, they informed me that the loan would be refunded, and the force insurance would be removed. During the conversation with the agent, I clarified that full coverage would be applied on XX/XX/XXXX. I was assured that the charge would be fully refunded once I provided proof of full coverage insurance. However, despite this, I was reported as 30 and 60 days late, and the delinquencies appeared on my TransUnion and XXXX  credit reports as of XX/XX/XXXX. 

These late marks are due to a billing discrepancy, not an actual missed car note payment. The payment has always been made on the XXXX of every month, and these inaccurate marks are unfairly damaging my credit profile.

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 2025-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I was behind on my mortgage payment for three months due to furlough from Covid. I requested a modification to help with my payments. Moving forward, last year XXXX I reached out to apply for a HELOC and was told I could not because I was due $ XXXX from the modification plus my original Loan of $ XXXX. 
I did not notice that the modification was for $ XXXX until I requested the line of credit and I never received $ XXXX. The payments I ask for was just for the three months past due which I continue to pay in XXXX of XXXX. Please help me in getting this request for the breakdown. As of today, I have a balance on my loan of $ XXXX plus this $ XXXX. This modification should have been for three months which would add up to about $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-28 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 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 2025-05-28 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging XXXX my credit score, affecting my access to opportunities, and putting unnecessary strain on my XXXX XXXX XXXX XXXX  Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Complaint Summary : This complaint concerns fraudulent misrepresentation, escrow abuse, and violation of federal consumer protection laws. I was led to believe I was purchasing a standard mortgage from XXXX XXXX XXXX  ( XXXX ). However, I was instead unknowingly bound into a Deed of Trust, a distinctly different product that waived my constitutional right to judicial foreclosure. 

The contract uses the term " mortgage '' over 230 times, while referencing " deed of trust '' only 12 times. I was never informed of the legal differences, nor the consequences of waiving my due process rights. 

Without notice or agreement, Shellpoint Mortgage Servicing ( the current loan servicer ) nearly doubled my monthly payment by adding over {$19000.00} in back property taxes to my mortgage payment. I had explicitly stated that I would handle taxes separately and had never established an escrow account. 

XXXX XXXX Tax Assessor-Collector , a separate government entity with no recorded lien or ownership interest in my property, appears to have coordinated with Shellpoint to insert tax obligations into my private mortgage arrangement without my consent, bypassing due process. 

Violations Alleged : * Dodd-Frank Act ( 12 U.S.C. 5531 ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Shellpoint and XXXX misrepresented the nature of the loan product and violated transparency requirements. 
* RESPA ( Regulation X, 12 CFR Part 1024 ) Requires timely notice of escrow account changes and prohibits servicers from increasing payments without proper disclosure. 
* Texas Property Code Borrowers must be provided reasonable notice before escrow modifications. 
* Texas Deceptive Trade Practices Act ( DTPA ) Misrepresenting a deed of trust as a mortgage product is misleading and unconscionable. 
* 14th Amendment Due Process Clause My property rights are being jeopardized without a judicial process, enabled by the deed of trust structure and unauthorized tax enforcement. 


Timeline of Harm : * XX/XX/XXXX Loan signed with XXXX. 
* Early XXXX Loan transferred to Shellpoint without adequate notice. 
* XX/XX/XXXX Escrow adjustment letter issued by Shellpoint, increasing monthly payment from {$2200.00} to {$4200.00}. 
* XX/XX/XXXX Notice of Dispute mailed to all involved entities. 
* XX/XX/XXXX - Affidavit of Non-Agreement mailed to all involved entities.

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