vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
Since XX/XX/scrub> 2025, I have been trying to get assistance with doing a recast on my mortgage loan with the money that I received from the sale of my prior home. The communication has been very slow, requiring multiple messages in their, Message Center that is the only place you can make these requests. Their replies take over a month of time. The most recent message I replied to them with was on XX/XX/year>. After following up 3 times, they finally answered on XX/XX/year>. I am paying additional interest on my loan that would not be paid after the recast due to their sluggish replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DISCOVER BANK
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : DISCOVERBK & Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I did an online HELOC through XXXX in late XXXX early XXXX. The HELOC was an interim solution to allow us to purchase a new home on XX/XX/25 before listing our old one since we wanted to do some updates before selling. XXXX was a fully online experience which is how I prefer to do business. XXXX had the address and closing date of XX/XX/25 for the new house and understood I was moving to the new house in another state after closing. 

Fast forward two months to XX/XX/25 and my HELOC is being serviced by Newrez LLC dba Shellpoint Mortage Servicing. 
They have refused to grant me online access without sending me a code via certified mail. They have my mailing address as my old address in XXXX Wisconsin. They told me in XXXX to email my address change request and a copy of DL for address change so they could send certified mail so I could gain online access. Ridiculous but I did it. After no response I emailed again and they responded it has to be a hand written letter with my signature on it. I am due soon for my second payment and still havent received a statement and cant access my account online. 

On XX/XX/25 I told them to make sure my billing statements were sent by mail because I cant access them online due to them not allowing me online access. As of today XX/XX/25 I still havent received a statement and my second HELOC payment is due on XX/XX/25.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my consumer credit report. These inquiries are not recognized by me, and I did not grant permission for them to be made. 

I first noticed the inquiries on or about XX/XX/year>. Since then, I have reached out to the reporting businesses to request removal, but the inquiries remain and no resolution has been provided. 

These continued, unauthorized inquiries are harming my credit score and impacting my ability to obtain credit. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires that credit inquiries be made only with my consent or for a permissible purpose, and that inaccurate information must be corrected or deleted. Additionally, the continued furnishing of inaccurate information raises Metro 2 compliance concerns.

I am requesting that the companies involved remove the unauthorized inquiries, correct my credit report, and provide written confirmation once the corrections have been made. 


Hard Inquiries XX/XX/year> 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 2025-09-29 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which Data Furnisher confirmed would be removed but remains on my report ; it is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice.

These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
In XXXX of XXXX, I took out a loan for {$18000.00} to attend a private university. I took a loan out with XXXX XXXX, who then turned into XXXX, who is now MOHELA. My loan is now {$68000.00}. The representatives at MOHELA, call every hour on the hour to not help me pay back this loan but demand that I pay them {$720.00} monthly. They will not accept partial payments or credit card payments. I have asked to speak to a supervisor several times and they reroute me to the person who is in charge of my loan ( not an actual supervisor ). My issue is the aggressiveness of the customer service representative one representative actually told me they are not obligated to help me. There is a lot of bad press that surrounds this company, my research shows that they have several pending class action lawsuits for the mismanagement of student loans. I did not take out a loan with this company, my loan was transferred to them, and I truly believe that them refusing to provide me with the paperwork of my initial agreement is fraudulent. The Department of Education informed me that my refund check was sent to MOHELA when I contacted representatives there, they said they did not receive it. I would like for my loan to be investigated. This company takes part in unfair business practices, and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX OF XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested validation for a XXXX  XXXX credit card account, but they didn't comply with the amount of validation paperwork that needs to be submitted to actually verify the debt. The only thing they submitted was the credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2025, CapitalOne credit card website showed that I was pre-approved for credit cards after I have provided my credit score. There is no disclaimer that clearly and explicitly mentioned that credit card application can be denied despite being " pre-approved ''. After I sent in my application for CapitalOne XXXX in a separate window, I was informed that my credit card application was denied and a hard credit inquiry was performed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Roc Capital Holdings LLC
State: IL

Complaint narrative:
XX/XX/XXXX My fianc and I enrolled in XXXX XXXXXXXX XXXX XXXX  He offered a joint venture deal : contribXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Joined the $ XXXX investment tier. 
XX/XX/XXXX Contributed ~ $ XXXX at closing for property at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX directly per XXXX instruction, expecting reimbursement from the lender. 
XXXX XXXX XXXX XXXX XXXXXXXX additional $ XXXX + $ XXXX due to work being stopped on our homes because of disputes between XXXX and the XXXX. XXXX stated that material had increased due to inflation and the XXXX stated that XXXX mishandled the funds. XXXX explained that the loan didn't account for the inflation. 
Duration of project, we took on property expenses ( mortgage, utilities, repairs ). Personally completed XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Multiple failed sale attempts due to property defects that rehab loan should have covered ( wet basement, foundation crack, frozen pipes ). 
XX/XX/XXXX- Had a XXXX XXXX due to stress. 
XX/XX/XXXX- Had a buyer so we asked for a payoff letter from lender and learned that there was approximately XXXX XXXX dollars in cross-collateralization fees attached to our property. Lender representative informed us it was because XXXX was listed under other properties with the lender. 
XX/XX/XXXX - Attended XXXX  court for lis pendens but no one was present. Went tXXXX XXXX XXXX XXXXXXXX ( representors for the lenders ) office and was advised that XXXX was being investigated for fraud and to communicate with the lenders directly. 
XXXX XXXX XXXX XXXX XXXXrs because lenders ( XXXX  ) issued inconsistent statements about removing fees. 
XXXX XXXX XXXX for and completed foundation repair. 
XX/XX/XXXX Discovered property had been sold at auction for $ XXXX without notice, despite pending communications with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AR

Complaint narrative:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX Account Number : XXXX - XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX - XXXX. Validate Account XXXX Account 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 non-monetary relief