vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Company reported my loan as 120 days delinquent to the credit bureaus. Prior to this, I submitted an application for a VA mortgage modification under the VASP program. The process took approximately five monthsthree times the estimated durationdue to an error attributed to Shellpoint.

During the application period, Shellpoint did not provide written notification that the mortgage would be reported as delinquent. I was verbally informed that no payments would be required while the application was under review. Throughout the five-month review period, no delinquency was reported to the credit bureaus. However, following approval of the modification, Shellpoint reported the mortgage as 120 days late. 

Approximately XXXX months into the process, Shellpoint informed me that the modification was being denied due to a lien on the property. Shellpoint stated that they required first XXXX position to proceed. I confirmed that no XXXX existed and was asked whether I knew a person named XXXX XXXX. I identified him as the previous owner. Shellpoint indicated that the XXXX was related to child support and had been recorded in XXXX. I purchased the property in XXXX, and the presence of a XXXX would have prevented the sale from being approved by VA XXXX. 

I obtained documentation from the XXXX XXXX, TX title office confirming that no XXXX was recorded against the property. The records also showed that the previous owner had no child support obligations or other liens, and that I am the sole owner ( see attached documentation ). I contacted my VA representative, who advised me to reach out to the title company involved in the modification. 

The title company XXXX XXXX XXXX XXXX, XXXX subsidiary of XXXX the original loan assumption. XXXX XXXX, XXXX XXXX XXXX, reviewed the information and confirmed that the XXXX was mistakenly attributed to a person with a similar name to the previous owner. She provided a copy of the lien, which confirmed the error ( see attached email ). This documentation was submitted to both Shellpoint and the VA.

The following day, a Shellpoint manager contacted me after multiple prior requests. During the conversation, she asked whether the loan had been assumed. Upon confirmation, she identified the assumption as the source of the issue. She stated that the error had been corrected and that an approval letter would be issued within 30 days. 

Shellpoint did not provide written notice that the mortgage would be reported as delinquent during the XXXX application period. The extended duration of the approval process was due to errors on Shellpoints part. Based on these facts, the XXXX delinquency should be removed from all three credit bureau 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 2025-09-27 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 filing this complaint against the credit reporting agencies for failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 6 ). My first dispute was submitted in XX/XX/XXXX, followed by a certified, notarized dispute letter mailed over 45 days ago, yet the agencies have failed to comply. Under 15 U.S.C. 1681i ( 6 ), you are required to provide the results of a reinvestigation no later than 5 business days after completion. To date, no results have been provided. The disputed items remain on my credit report, making you noncompliant with federal law. I am keeping a full paper trail for legal purposes. This letter will also be included in my documentation. Your failure to act has resulted in inaccurate and unverified information continuing to be reported, which is unlawful. These items must be removed immediately. The following accounts remain inaccurate, unverified, or unlawfully reported : XXXX XXXX XXXX This account was never late in XX/XX/XXXX. I was protected under the CARES Act, and the creditor has confirmed this. Update the account accordingly. XXXX XXXX XXXX XXXXXXXX You are reporting the incorrect balance and Date of Last Activity ( DLA ). Remove this account immediately. Note : XXXX  has already deleted this account. Update this account immediately. You are in continued violation of the FCRA by allowing unverified and inaccurate items to remain. I demand that these accounts be deleted or corrected immediately and that written confirmation of compliance be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are XXXXXXXX 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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX. ( for XXXX XXXX  and now Capital One, N.A. through XX/XX/year> merger ) is collecting a disputed {$11000.00} credit card debt ( Account # XXXX, Case # XXXX, XXXX XXXX, MN XXXX through improper garnishment and account freeze, violating FDCPA ( 15 U.S.C. 1692g non-validation ), TILA ( 15 U.S.C. 1601 disclosure failure ), and Public Law ( e.g., 18 U.S.C. 1346 fraud scheme ). 

On XX/XX/year>, I served XXXX Requests and Questions to XXXX ( attached ), demanding admissions/productions/interrogatories on funding source, disclosure, and loss calculationno response or inadequate. 

On XX/XX/year>, I served my Answer with Affirmative Defenses ( attached ), denying breach of contract ( no reserves/consideration ), account stated, and unjust enrichment ( no bona fide loss ). I demanded dismissal, refunds, credit reversal, {$500.00} costs, and arbitration under XXXX XXXX XXXX response or inadequate. 

On XX/XX/year>, I served a Cease and Desist Notice of Liability to XXXX ( attached ), putting the lawyer on notice of Public Law violations ( e.g., peonage under 39th Cong. Ch. 187, 18 U.S.C. 1342 fictitious name fraud, 2331 coercion/terrorism, 241/242 rights deprivation ) and demanding they back off and cease all actionsno response/ no rebuttal. 

XXXX 's XX/XX/year>, Motion for Summary Judgment ( not attached but referenced ) ignores these disputes, seeking judgment despite non-validation. The freeze ( ongoing since XXXX XXXX XXXX  ) has caused > {$5000.00} economic harm and emotional distress ( 18 U.S.C . 2331 coercion ). This is unfair collection ( 1692f ) despite my good-faith disputes On XX/XX/year>, I sent a Cover Letter ( attached ) as creditor, enclosing IRS Forms 1099-A ( abandonment of secured property, {$11000.00} FMV/principal ) and 1099-B ( barter proceeds reported ), proving tax obligations met and debt resolved. Demanded garnishment release/unfreeze and explanation for code misapplication/harm to my familyno response. 
I followed up with a call on XXXX which is recorded if you want a copy asserting obligation is fulfilled and need to unfreeze my account, I then left a voicemail for attorney with no call back to date. 

On XX/XX/year>, I am sending a Debt Validation Letter ( attached ), demanding verification by oath/affidavit ( Black 's Law definition ), with case law on promissory fraud and breach of fiduciary duty ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deadline. I am sending via certified mail to XXXX, XXXX, and Capital One ( since the merger with XXXX ).. 

This information is given in good faith, with clean hands and sound mind to the best of my knowledge and belief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Before my vehicle was repossessed, I contacted Bridgecrest to request a payment deferment and clarification on how interest was being added daily. They refused to provide assistance and told me interest would continue to increase. 

Bridgecrest never sent me the legally required Notice of Intent to Repossess or any post-repossession Notice of Sale. Despite failing to provide these notices, they reported the repossession to the credit bureaus. This reporting is incomplete, inaccurate, and harmful to my credit history. 

I am requesting that Bridgecrest provide proof of the required notices or immediately delete the repossession from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer : XXXX XXXX, XXXX XXXX FL. 
Company named for routing : American Express National Bank. 
Merchant : XXXX The Galleria at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. Phone XXXX. 
Corporate reference : XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX. Phone XXXX. 
Ownership and repairs : We own both rings. Both repair orders are in my name with the merchant. 
Purchase and protection : XXXX matching tungsten wedding bands with diamonds. Each ring was sold with XXXX XXXX XXXX coverage. 
Defects : My XXXX XXXX XXXX  with XXXXXXXX diamonds  faded from XXXX to dull gray again. My husbands tungsten band with XXXX diamonds has XXXX diamonds that turned orange. The official jeweler could not correct either issue, and a later store cleaning did not correct the orange diamonds. These are product and quality failures, not wear and tear. 
Defective merchandise : The orange discoloration on XXXX diamonds raises a reasonable concern about authenticity or undisclosed treatments, and I request a written technical explanation and, if needed, independent gemological verification. 
Timeline : On XX/XX/year> the store took both rings for evaluation, and the store still has both rings. 
Prior handling : When the same fading happened previously to my XXXX band, XXXX provided a new band without requiring me to purchase a new plan. 
Current business position : The company stated that replacement merchandise is not covered under our existing plans and that we must purchase new LIFETIME PROTECTION PLANS to have coverage on any replacement rings. I do not agree to purchase new plans. 
Status today : I am requesting a like kind exchange and continuation of our XXXX XXXX XXXX already paid for. I am not seeking a refund or a credit. I prefer written communications due to a medical eye condition. Please preserve both rings in their current condition while this is resolved. 
Case references : XXXX corporate case XXXX. BBB Complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I cashed a check that was mailed to me as a loan offer from XXXX XXXX. My bank placed a hold on the check and subsequently closed my account because Citibank deemed the check from XXXX XXXX a risk. Citibank returned the funds of the loan to XXXX XXXX and their bank. However, XXXX XXXX will not return the loan funds to me. And I am still making payments to XXXX XXXX for a loan that I technically have not received. I want to receive the loan funds or else have this loan cancelled and my payments that I have XXXX returned to me. Citibank should return the money to me in the amount of {$4500.00}

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Equifax Information Services LLC regarding information in my credit report. 
XXXX tracking confirms that the letter was delivered on XX/XX/year>. However, I have not received any acknowledgment or confirmation from Equifax Information Services LLC that my dispute is being processed. 
I understand that under the FCRA the bureau has up to 30 days to investigate. I am submitting this complaint to ensure that my dispute is properly received and processed within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX Chase closed all 7 credit card accounts that were in my name or companies that i am a member of. I called for an explanation of why and haven't received a response. All accounts were current in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. The specific items I am disputing include : Account Name : 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 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 XXXXXX/XX/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 2025-09-27 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2025-09-27 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-27 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX debit card recurring payment unauthorized transaction of {$180.00} on XX/XX/year>. I called my bank Truist to stop future payments to this merchant, request refund of XXXX of unauthorized charge, cancel current card as it has been used without my permission, and to file a dispute of this unauthorized charge.

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 2025-09-27 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: NC

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts, inquiries, and a bankruptcy entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-09-27 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: TX

Complaint narrative:
Formal Complaint and Deletion Request I formally request deletion of the following accounts from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, Equifax, and TransUnion have failed to conduct a reasonable investigation under 15 U.S.C. 1681i ( a ) of the FCRA, relying on the automated E-Oscar system to verify inaccurate data without meaningful human review. This negligence violates my rights under federal law and Texas Bus. & Com. Code 20.06, and has harmed my ability to obtain credit. 

The charged-off accounts were canceled, triggering gross income to the creditor under IRS rules . A 1099-C was issued, confirming debt cancellation. Continued reporting is materially inaccurate and violates 15 U.S.C. 1681e ( b ). Failure to provide supporting documentation upon request further confirms noncompliance. 

All requests for validation of debt have resulted in a data breach email being provided as proof. 

I demand immediate deletion. I reserve the right to escalate through regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Formal Complaint and Deletion Request I formally request deletion of the following accounts from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, Equifax, and TransUnion have failed to conduct a reasonable investigation under 15 U.S.C. 1681i ( a ) of the FCRA, relying on the automated E-Oscar system to verify inaccurate data without meaningful human review. This negligence violates my rights under federal law and Texas Bus. & Com. Code 20.06, and has harmed my ability to obtain credit. 

The charged-off accounts were canceled, triggering gross income to the creditor under IRS rules . A 1099-C was issued, confirming debt cancellation. Continued reporting is materially inaccurate and violates 15 U.S.C. 1681e ( b ). Failure to provide supporting documentation upon request further confirms noncompliance. 

All requests for validation of debt have resulted in a data breach email being provided as proof. 

I demand immediate deletion. I reserve the right to escalate through regulatory and legal channels.

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