vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am escalating CFPB Case # XXXX against Shellpoint Mortgage Servicing ( NewRez LLC XXXX XXXX XXXX ). 
On XX/XX/year>, I submitted a complete loss mitigation application through XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) to Shellpoint, including all financials, hardship letter, and settlement proposal. This triggered RESPA ( 12 CFR 1024.41 ) and HBOR ( 2923.7 ) protections. 
SHELLPOINTS VIOLATIONS : NO XXXX  ASSIGNED OR RESPONSIVE Despite dozens of calls to XXXX and XXXX, no XXXX  has called back. 
XXXX XXXX ( prior XXXX  ) is non-responsive ; I requested exclusion in writing on XX/XX/XXXX. 
12 CFR 1024.40 ( a ) ( 1 ) requires a SPOC reasonably accessible and continuity of contact. Shellpoint has provided neither. 

NO ACKNOWLEDGMENT OF COMPLETE APPLICATION No receipt confirmation within 5 business days ( 12 CFR 1024.36 ( c ) ).

No status update ( underwriter, timeline, internal notes ) despite XX/XX/XXXX demand ( email attached ). 
Violation of 12 CFR 1024.41 ( c ) ( 1 ).

DUAL-TRACKING VIOLATION On XX/XX/year>, Shellpoint issued a conditional short sale approval ( attached ) while ignoring my modification. 
This violates HBOR 2923.6 ( c ) : no foreclosure activity ( including short sale push ) until final denial after appeal. 
My home has ~ $ XXXX equity ; short sale is not a reasonable alternative. 

UNANSWERED QWRs ( RESPA 1024.36 ) XX/XX/XXXX & XX/XX/XXXX emails demanded : 10-year payment audit XXXX ( XXXX XXXX XXXX ) Original note, allonges, assignments Investor modification policies CFPB affordability proof No response within 30 days automatic {$2000.00} penalty per item ( 12 U.S.C. 2605 ( f ) ). 

XXXX  XXXX XXXX CONFIRMS SHELLPOINTS DUTY XXXX XX/XX/year> response ( attached ) states : Shellpoints legal counsel will be providing a response A response letter will be sent directly to you. 

No such letter received. Shellpoint is stonewalling. 

ATTORNEY CONFIRMS ACTIVITY BUT NO SUBSTANCE Defense counsel XXXX XXXX ( XX/XX/XXXX email, attached ) confirms demurrer re-filed but provides no modification update despite my XX/XX/XXXX demand. 

IMPACT : Foreclosure sale scheduled for XX/XX/year> despite pending complete application. 
Severe emotional distress, sleepless nights, and risk of losing $ XXXX equity. 
Forced to litigate pro se ( Case XXXX ) due to Shellpoints bad faith. 

ATTACHMENTS : XXXX XXXX XXXX email chain with XXXX XXXX ( demurrer + short sale attachment ) Shellpoint Conditional Short Sale Approval ( XX/XX/year> ) XXXX  XXXX XXXX CFPB Response ( XX/XX/year> ) XX/XX/XXXX Demand Letter ( full QWR + settlement offer )

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 2025-10-29 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-29 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:
Identity Theft Request to Block Fraudulent Accounts under FCRA 605B I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account was opened without my knowledge or authorization : TXXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Account # : XXXX ) As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Identity Theft Request to Block Fraudulent Accounts under FCRA 605B I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account was opened without my knowledge or authorization : TXXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Account # : XXXX ) As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of 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 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-29 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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 reviewed my Equifax credit file and found personal identifiers that are inaccurate or outdated. 
Please keep only the following as correct and remove all others : Keep : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Remove : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Please complete reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and confirm in writing once the deletions are processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I ordered something off of XXXX  XXXX website and the same day not even XXXX minutes later an order had gone through from a different website so I canceled that one. They did cancel it. They said they were issuing a refund. I had a refund pending in my account and then the refund was canceled. I submitted a dispute. The dispute was denied. I submitted an appeal. The appeal was denied. Even though I provided evidence in which the merchant told me to contact my bank because they had issued a refund and I never got it. My bank had put a temporary credit into my account and then they reversed it without it being in my account anymore and left me negative and will do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Update New Evidence Submitted Today for Claim # XXXX I uploaded XXXX, which shows : ( a ) my XXXX self-exclusion and the merchants written confirmation before later charges ; ( b ) the merchant later removed my purchase limits without my consent ; ( c ) funds history showing monetary value ; ( d ) Wells Fargos conflicting letters ( withdrawn vs. denied ) and call notes stating no new evidence and not eligible for reinvestigation, which is incorrect. I request the Bureau ensure Wells Fargo corrects the record, reinvestigates under 12 CFR 1005.11, and provides the denial rationale and all relied-upon evidence promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One XXXX sent me several pre approvals with a specified amount and specified dealership. Once I contact them to get the they decline me. I have asked Capital one several times to take me off the email list and they have failed to do so. This information below is just a few times they have pre approved me for a auto loan. Capital one has been doing this to me since XXXX and now I really want to sue them from false advertisement. This has caused me financial harm as well. 
Hi XXXX, Your offer is ready. Now, you just need to find the right car. Weve already pre-approved you for {$4000.00} to {$55000.00} in auto financing. 
Shop for a car at this dealership before your offer expires on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Your offer is ready. Now, you just need to find the right car. Weve already pre-approved you for {$4000.00} to {$55000.00} in auto financing. 
Shop for a car at this dealership before your offer expires on XX/XX/XXXX. 
XXXX XXXX XXXX " XXXX XXXX, Youre already pre-approved for {$4000.00} to {$55000.00}, and now you just need to take advantage of your offer before it expires. Your offer is only valid through XX/XX/XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BXXXX 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 2025-10-29 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-29 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:
am writing to formally dispute several inaccurate and unauthorized items currently appearing on my Experian credit report. I am a verified victim of identity theft and data breach. Therefore, I am requesting the immediate investigation and removal of all fraudulent and erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ), 615 ( f ), and 623 ( a ) ( 6 ).

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