vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Hello my name is XXXX a customer of credit card services for Continental Finance aka XXXX XXXX they issued a written settlement for my Fit Mastercard account ending in XXXX for {$490.00}. I paid via cashiers check ( # XXXX ) on XX/XX/XXXX. Continental Finance deposited this payment onto my account onXXXX. Their acceptance of this payment satisfies the settlement agreement Before the deadline was meet however. 

After accepting and depositing my payment, Continental Finance sold the account to XXXX as if the debt was still owed on XX/XX/XXXX and emailed me about it on XX/XX/XXXX This is a breach of settlement agreement and unfair collection activity. When I requested a XXXX Balance Letter and notification to XXXX  that the account was settled, Continental Finance representatives repeatedly placed me on indefinite holds, disconnected the call, and refused to provide a case number. Ive spoken with two supervisors which I have employee numbers for and still no solution has been made.

When I sent written follow up documentation to confirm correction, Continental Finance blocked my email address and returned the message as undeliverable, preventing resolution. This is their general email that is found on all information listed for them, This demonstrates bad faith and obstruction of dispute resolution.

This behavior may have violated : FDCPA ( 15 U.S.C. 1692e and 1692f ) attempting to collect amounts not owed FCRA inaccurate credit reporting State UDAP consumer protection laws.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THEY ARE CONTIUNING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-11-06 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: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am filing this complaint because NewRez LLC ( dba Shellpoint Mortgage Servicing ) has mishandled my request to remove Private Mortgage Insurance ( PMI ) under the Homeowners Protection Act ( HPA ) and failed to provide timely, accurate servicing responses under the Real Estate Settlement Procedures Act ( RESPA ). 

I opened a conventional mortgage with NewRez in XX/XX/XXXX. In XX/XX/XXXX, I called NewRez to inquire about removing PMI and was instructed to obtain an appraisal. I paid {$550.00} for an independent professional appraisal and submitted the report, along with the requested documents, to NewRez in XX/XX/XXXX. 

The appraisal ( dated XX/XX/XXXX ) established a current property value of {$760000.00}. Based on my current mortgage principal of {$560000.00}, my current loan-to-value ( XXXX ) ratio is 74.2 % below the HPA-required 80 % threshold XXXX and also under XXXX stated stricter 75 % limit for requests within the first XXXX years of the loan. 
After I submitted the appraisal and supporting documents, NewRez repeatedly delayed their review, sending form letters that the request was still under review without providing any further action or documentation. I followed up through their portal multiple times and received no meaningful response. 

On XX/XX/XXXX, I finally reached a helpful customer service representative who apologized and said, This is ridiculous, I am so sorry. She then told me that I could have ordered an appraisal through NewRez for only {$150.00} an option that was never disclosed to me when I originally called and paid {$550.00}. This indicates a serious failure of communication and consumer protection, particularly given the financial and time delays this caused. 

On XX/XX/XXXX, NewRez issued a formal denial of my PMI removal request, but they : -- Ignored the current XXXX of 74.2 % based on the submitted appraisal -- Refused to accept the paid appraisal and instead insisted on a Brokers Price Opinion ( XXXX ) -- Incorrectly cited HPA rules and introduced new requirements never disclosed during the original request process This reflects both a violation of HPA ( improper handling of PMI cancellation requests ) and RESPA ( failure to provide complete and timely responses, failure to communicate servicing information clearly and accurately ). 

Steps I Took to Resolve This - Submitted complete PMI removal request with paid appraisal on XX/XX/XXXX - Contacted NewRez at least XXXX times via their portal with no response - Filed a formal Qualified Written Request ( QWR ) on XX/XX/XXXX - Received denial on XX/XX/XXXX, with inaccurate and incomplete explanation

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 2025-11-06 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b 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 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The company referred to below is TD Bank XXXX Card and XXXX XXXX in XXXX XXXX Mall. 

On XX/XX/XXXX, I was shopping at XXXX XXXX in XXXX XXXX when I saw two dresses that I liked. Since they did not have my size in stock, the sales associate offered to order them and have them shipped to my home. The dresses arrived on XX/XX/XXXX, but they did not fit properly. 
On XX/XX/XXXX, I contacted XXXX XXXX, and they promptly emailed me a return shipping label. I printed the label that same day and shipped the dresses back.

A few weeks later, when I did not see a refund reflected on my credit card statement, I attempted to retrieve the tracking information. Unfortunately, the return label could only be downloaded with five days of first opening it. So, I was unable to access the tracking details.

Since then, I have repeatedly tried to contact XXXX XXXX by phone, but my calls are forwarded to a voicemail system where the mailbox is full, and I am unable to leave a voicemail.

I am certain that the two dresses were returned and I did not receive a refund it.

I then decided to dispute the charge with my credit card. I asked them to please verify the story or get shipping details before denying the dispute. But since I couldn't prove that I shipped the dresses back they denied the dispute. But they wouldn't understand that I was unable to provide the proof since I couldn't access the return label passed 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees assessed to my Regions Bank account ending in XXXX. I never had sufficient funds in my account for these transactions, and I had previously opted out of Overdraft Protection. Despite this, my account was charged back-to-back overdraft fees totaling {$100.00}, which I believe were applied in error and are causing financial hardship. 
Regions Bank informed me that my account is enrolled in Standard Overdraft Coverage ( SOC ), which allows the bank to authorize debit card, ATM, and check transactions into overdraft and charge fees. However, I never knowingly opted into SOC, and I was not properly informed that this service could result in repeated overdraft fees.

The following points support my complaint : I opted out of Overdraft Protection previously.

I never had sufficient funds in my account for the transactions in question.

The overdraft fees were applied back-to-back, even though my account balance could not cover these transactions.

I am requesting that the CFPB assist in : Reversing all incorrect overdraft fees assessed from XX/XX/year> to XX/XX/year>. 
Correcting my account balance. 
Ensuring I am not charged additional fees for transactions that post without available funds. 
Attached are copies of my account statements and screenshots showing the fees. I appreciate your assistance in resolving this matter. 
Sincerely, XXXX XXXX Account Number : XXXX Phone Number : XXXX Email Address : 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 2025-11-06 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: VT

Complaint narrative:
For over 2 months we have been dealing with pennymac mortgage. We provided them with everything asked for paystubs etc. the person working with was XXXX and he pre approved us. We have multiple emails and recordings of them saying we are good to go. They refused to provide supervisors, corporate number to complain for over a month when concerns we had were not being addressed. The day prior to us supposed to be closing, we get notified we are now denied due to me having to of taken off a few days to take my wife to XXXX treatments and was told in email that it wouldnt affect us and now that is the reason they denied us as they stated it was considered variable income when it shouldnt be per our attny. They also changed down payments multiple times, used XXXX slurs to my wife and fraudulently denied our loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain entries on my Experian credit report, which I received from your bureau. After reviewing the report, I have identified several items that appear to be inaccurately reported or otherwise incorrect. I would appreciate your prompt investigation into these matters. 
The following items require review : XXXX. XXXX XXXX Charge-Off o Balance : {$250.00} o Account Status : Charge-Off o I dispute the charge-off classification and request that you verify this account. If verification can not be provided, I request that this item be removed from my report. 
XXXX. XXXX XXXX XXXX XXXX Account o XXXX : {$560.00} o This account is reported as a collection. Please verify this information and remove it if it can not be substantiated. 
XXXX. Late Payments on XXXX XXXX Account o This account reports 30 days past due and 90 days past due. I believe these entries are incorrect and request that they be verified. If they can not be verified, I request that they be deleted.

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 2025-11-06 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: NH

Complaint narrative:
I need to be clear, this complaint is not a mistake. Multiple accounts on my credit report are not being reported with the maximum possible accuracy and contain unverified or incorrect information. These persistent inaccuracies have continued despite my attempts to correct them and are causing measurable harm to my creditworthiness and personal well-being. The ongoing presence of unverified or erroneous entries is unfairly limiting my financial options during an already difficult time and must be treated as a serious reporting failure.

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 2025-11-06 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX SpringOaks accounts that appear on my credit report, which I have no knowledge of. The accounts are : SPRINGOAKS Account # XXXX * * High Balance : {$830.00} Date Opened : XX/XX/year> SPRINGOAKCAP Account # XXXX * * * High Balance : {$830.00} Date Opened : XX/XX/year> I have never opened or authorized any account with SpringOaks. These accounts appear to be inaccurate or duplicate entries. I request that the CFPB investigate this matter and require the furnisher to provide full validation and proof of ownership of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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