vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Newrez LLC mortgage company for their failure to respond to my repeated attempts to recast my mortgage, resulting in significant financial harm. Since XX/XX/year>, I have made XXXX phone calls, each lasting over XXXX XXXX and sent multiple emails to request a mortgage recast. Despite these efforts, I have received no meaningful response or resolution, costing me approximately {$2000.00} in avoidable interest over the past month. 

On XX/XX/year>, I first contacted mortgage services to request a mortgage recast. I made XXXX separate calls each call exceeding XXXXXXXX XXXX  attempting to receive a written approval : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX emails have been send : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Each customer service representative promised to escalate my request but provided no follow-up or resolution. My emails have gone unanswered. 
- XXXX XXXX Financial Impact : XXXX XXXX The delay in processing my recast request has resulted in approximately {$2000.00} in additional interest charges over the past month, which could have been avoided with timely service. 

I request that Newrez LLC promptly process my mortgage recast, refund or credit the {$2000.00} in excess interest incurred due to their delay, and provide a written explanation for their lack of response. Additionally, I urge the CFPB to investigate Newrez LLCs practices to ensure other consumers are not similarly harmed. 

I am prepared to provide copies of my call logs, email correspondence, and mortgage statements upon request to substantiate my complaint.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the deletion of the XXXX XXXX account currently listed on my credit report. This account is inaccurate and unverifiable. 

As of XXXX XXXX XXXX, I have confirmed that XXXX, a nationwide consumer reporting agency, is not reporting this account. Its absence from my XXXX credit file indicates that the account is unverifiable or otherwise fails to meet the legal standards for reporting. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies must delete any item of information that can not be verified within 30 days of a consumer 's dispute. Given that XXXX does not report this account, I am requesting that you conduct a reinvestigation. If you are unable to provide verifiable documentation from XXXX XXXX, you are required to remove this account from my credit file. 

Continued reporting of unverifiable information constitutes a violation of federal law and causes unjust harm to my credit profile. Should this account remain after 30 days without proper verification, I reserve the right to pursue all legal remedies under Sections 616 and 617 of the FCRA ( 15 U.S. Code 1681n and 1681o ), including statutory damages, punitive damages, attorneys fees, and court costs. 

Please provide written confirmation of the reinvestigation results and send me an updated copy of my credit report reflecting any changes. 

Thank you for your prompt attention to this matter. I trust you will comply with the law and remove the unverifiable information accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
While traveling in XXXX my credit card was charged {$1400.00} and {$1400.00} from a gas station pump attendant. The charges said they were in XXXX XXXX even though we were in the XXXX area. We immediately declined the charges once American Express contacted us with a fraud protection alert. American Express proceeded to decline one charge and approve the other. We have worked with both the fraud department and unauthorized charge department with no success. The charge of {$1400.00} is still on our account and American Express keeps closing any new file we open after a few weeks of investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont recognize none of these address, I want them remove from my credit reports immediately please. 


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 2025-05-07 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: TX

Complaint narrative:
I am reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
I just submitted a different complaint about Jefferson Capital regarding the debt collections they have posted on my credit report. This complaint is more specific to the XXXX debt collection item they listed on my report. 

While reviewing my report, the XXXX debt collections listed all have Jefferson Capital listed as the original creditor.

Jefferson Capital.... {$220.00}.... Opened XX/XX/XXXX XXXXefferson Capital.... {$860.00}..... Opened XX/XX/XXXX Jefferson Capital.... {$1400.00}..... Opened XX/XX/XXXX XXXX issue regarding all XXXX of these debts listed is the fact that they have themselves listed as the original creditor. I've never opened any accounts with them, never spoken to them directly, and have only communicated XXXX time requesting verification of these debts while disputing. That information is incorrectly listed on my report. 

My XXXX issue is the dates listed for all XXXX of these accounts. As a victim of fraud dating back to XXXX, I have not opened any new credit accounts since. I have locked my credit and fought for as long as i could until I mentally couldn't take it any more in an effort to clear up this mess. After giving up, i knew i had to wait the 7 years out. That time frame should be now... but instead, they have these debts listed as of 2 years ago. 
This is completely wrong. 

Finally, of the XXXX debts listed above, the debt for {$1400.00} was never addressed. When responding to my verification, they sent old XXXX XXXX bills for XXXX of the XXXX. For the XXXX one, they never sent any verification, never said where this debt comes from, who the original creditor was, etc. There was no communication about it whatsoever, but suddenly it appears on my report. To me it feels like they are committing the same fraud I've fought against all those years back. I will do everything i can to challenge them on this garbage and to take every legal route I can, including contacting different government agencies, to review their shady business practices. I will continue to refuse to pay these balances as I believe fraud should never be rewarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CT

Complaint narrative:
Claimed that i went thru a bankrupcy which i did not and is reporting inaccurately on my credit report and is was not authorized by me to report on my credit file please remove

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
In XX/XX/year>, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$120.00} related to a loan originally associated with the XXXX XXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXXXXX. The letter claims that the debt was sold to a third party. 

To verify, I contacted XXXX Member Benefits directly, and after reviewing my records, they confirmed that : I have no outstanding or delinquent loans with them, All of my previous loans under XXXX were settled, And no such loan ever existed under the name XXXX XXXX as listed in the letter I received. 

The inconsistency between XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was also concerning. When I reached out to XXXX XXXX XXXX for clarification, I explained everything including what XXXX told me but the representatives were dismissive, uncooperative, and repeatedly refused to acknowledge my concerns. 

One of their staff, XXXX XXXX ( XXXX XXXX XXXX ), spoke to me in a tone that felt unprofessional and intimidating. Rather than helping resolve the issue, I was told that XXXX serves the third-party company now, and my efforts to correct the possible error were ignored. 

I believe this debt has been wrongly attributed to me, and I am requesting a formal investigation. Ive asked for validation of the debt and have been given vague or insufficient information. I am concerned this may be a case of misidentification, misreporting, or potential fraud, and I want to ensure this is not reflected on my credit report. 

My worry is that they have all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I had a CD account that was maturing. I had instructed XXXX that I wanted the maturing CD to be put into my savings account and gave instructions to that end. XXXX assured me on XX/XX/XXXX that it would be processed as I requested. When I accessed my account on XX/XX/XXXX, it was renewed as another CD without my authorization. This has happened multiple times. Also, having problems accessing my accounts over the computer. I have complained multiple times, but to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MA

Complaint narrative:
The company modified this loan without my permission and consent. 
They added interest that I never would have agreed to if I had known. Their opt out letter was not addressed to me personally it was to my daughter and myself so she was the only one to see the opt out clause. In the XXXX XXXX  XXXX. a modification requires signatures of all parties and opt out letters do not comply. 

Full release of the remaining balance is the only solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XX/XX/XXXXXX/XX/XXXX( b ) and 15 USC XXXXXX/XX/XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have been sued by Discover Bank over credit card debt I do not believe I owe. I submitted Discovery Requests to Plaintiffs counsel for them to provide me with a copy of a phone call to Discover Bank Customer Service which they did not provide. This call was made on XX/XX/XXXX, XXXX, or XXXX of XXXX. I then filed a Motion to Compel to which the judge granted my request and Ordered Discover Bank to provide me with a recording of that call. They have since refused to comply with the court order by claiming they don't have the recording. I believe that is a direct violation of the FDCPA, they are required to retain those records and claim they don't have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was told my credit would be damaged, wages garnished or receive jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) everything on my credit report must be accuarate and correct information about my personal information, however the credit bureaus are reporting incorrect addresses on my credit report. My current and only address is XXXX XXXX XXXX XXXX VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) everything on my credit report must be accuarate and correct information about my personal information, however the credit bureaus are reporting incorrect addresses on my credit report. My current and only address is XXXX XXXX XXXX XXXX VA 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 2025-05-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I call XXXX XXXX XXXX  directly after being advised by experian representative to called them directly So I called they said the account has been closed since XX/XX/XXXX and to reach out back to experian on the date of XX/XX/XXXXXXXX  for the amount of XXXX I called experian back and every time I spoke with a specialist and give them my full name as soon as I say this call is regarding the collection company XXXX XXXX XXXX I get disconnected I try calling back and the automated system doesnt let me talk to anyone I feel Im getting token advantage of and need that account deleted immediately for failing to validate ownership of an account and experian need to be investigated as well

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 2025-05-07 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief