vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Would you double-check this entry? It arrived late and could be faulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Dear Ability Recovery Service LLC : This letter is to formally notify you that, pursuant to XXXX U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding the alleged debt referenced above. 

Under XXXX U.S.C. XXXX ( c ), once a consumer notifies a debt collector in writing that they wish to cease further communication, the collector may only contact the consumer for one of the following limited purposes : XXXX. To advise that further efforts to collect the debt are being terminated ; XXXX. To notify the consumer that certain specified remedies may be invoked ; or XXXX. To inform the consumer that the debt collector intends to invoke a specified remedy. 

Therefore, I request that you immediately stop all forms of contact with me, including but not limited to phone calls, letters, emails, text messages, or any other communication methods. 

If you continue to contact me in violation of this request, such conduct will constitute a violation of federal law, and I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. I will also consider pursuing any legal remedies available to me under the FDCPA. 

Please confirm in writing that you have received this notice and that all communication with me will cease as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I went to court for this debt and it was dismissed. This debt was to be removed 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I went to court for this debt and it was dismissed. This debt was to be removed 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 2025-11-06 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Ive been working directly with Shellpoint Mortgage Servicing on my home loan. In XX/XX/year>, I submitted a formal Request for Information asking for the Pooling and Servicing Agreement ( PSA ) or investor guidelines that govern my loan. Shellpoint acknowledged the request on XX/XX/year>, but has not provided the information within the 30-business-day requirement under Regulation X ( 12 C.F.R. 1024.36 ). 

On XX/XX/year>, I sent a follow-up Request for Information and Notice of Error to clarify several issues, including Shellpoints XX/XX/year> letter stating that my repayment plan was based on an incomplete application. I asked for investor restrictions, written denial reasons, and clarification on whether my application was still being reviewed. Shellpoint acknowledged receipt on XX/XX/year>, but has not provided a full written response or the investor documentation I requested. 

I have made every hardship repayment as agreed, paying about {$8000.00} per month for the past several months. My original mortgage payment was {$4900.00}. These payments are creating significant financial strain on my family, but Ive remained current and cooperative in hopes of reaching a fair long-term solution. 

In early XX/XX/year>, Shellpoint emailed me a personalized mortgage assistance offer with a video stating that a loan modification was available and personalized just for you. Shortly after, Shellpoint representatives told me this was an automated error and that my investor does not allow modifications. These conflicting communications created confusion and suggest that my loan-modification review was not handled consistently or in good faith. 

Im requesting Shellpoints executive or compliance team provide : A copy of the PSA or investor rules governing my loan. 

A complete written response to my RFIs and Notice of Error. 

A re-evaluation for loss mitigation or modification that results in a sustainable payment near my prior {$4900.00} amount. 

I have documentation showing all communications, letters, and proof of my payments. Ive worked with a HUD-approved counselor and have made every effort to resolve this directly. Im asking for CFPBs assistance to ensure Shellpoint complies with federal servicing rules and provides the information and fair review required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Formal FCRA/FDCPA Dispute & Demand for Deletion Acct # XXXX To the Compliance Department , I am disputing the accuracy, completeness, and legal permissibility of the tradeline you furnish to XXXX  for account # XXXX. Auto loan tradeline with derogatory history being reported inaccurately. 
You are hereby put on NOTICE that any continued reporting of inaccurate, unverified, or legally unenforceable information violates the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to FCRA 611 ( a ) and 607 ( b ), you must conduct a reasonable reinvestigation and ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), you may not furnish information you knowor should knowis inaccurate. For debt buyers/collectors, FDCPA 809 ( b ) requires FULL validation before any collection or reporting activity. 
Validation/Verification REQUIRED within 30 days of receipt : ( XXXX ) Itemized accounting from {$0.00} to present ; ( 2 ) Copy of the original signed agreement and all assignments/chain of title ; ( 3 ) The full Metro 2 data you are furnishing ( ECOA code, DOFD/DLA, payment grid, compliance condition codes ) ; ( 4 ) For student loans : deferment/forbearance records and proof of any alleged lates. 
If you can not produce the above, DELETE this tradeline from every consumer reporting agency you furnish to. Failure will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 
This is also a CEASE AND DESIST from communicating or publishing inaccurate data. Do not 'verify ' through automated e-OSCAR codes without documentary evidence. If you do, I will file complaints with the CFPB and my State Attorney General and consider civil action. 
You have 30 days to complete a reasonable investigation and provide documentary proof. 
Otherwise, you must delete the tradeline promptly. 
Send your full response to my address above and email me a copy. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My previous complaint was marked as a duplicate, and I believe it was due to my explanation of the situation being too detailed. So, I will make this one short. Under Regulation E, I am entitled to provisional credit for 10 business days after an investigation is started, while it is ongoing. However, I did not receive these credits nor an update regarding them. I am formally requesting these credits under Regulation E. 

Please refer to ( XXXX ) for specifics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit Bireais have repeatedly violated the FCRA for the last XXXX wars. They have literally destroyed my credit worthiness. They have caused great delay in Business projects and caused defamation of character and personal injury. I have experienced unexplained decreases in my credit savored and deleted credit cards. There were no consequences due to the process in which credit bureaus are held accountable to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: KY

Complaint narrative:
I put in disputes for yesterday XXXX the XXXX and because I didn't scan my ID quick enough or after every dispute they locked my account and closed it I asked to speak with a supervisor or some department that could help me verify that I am who I say I am and that I put those disputes in and I can't seem to get any help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I noticed several charges were made on my account at different XXXX  stores in XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and also XXXX in XXXX, XXXX. I live in XXXX  so I was very confused how this could have happened. The charges were ALL made on XX/XX/year>. When I contacted JPMorgan Chase about these charges they said the charges were all made in person through XXXX XXXX and they would open an investigation. After XXXX weeks they denied my claim. Their reasoning was that since the purchases were all made in person using XXXX XXXX, then I had to have lent out my card info in order for those purchases to be made. They said there was no signs of any passwords being stolen, so I authorized those purchases. This is a wild statement considering to add any card to an XXXX XXXX there is no steps you have to take to authorize that it is in fact your card you are using. No email, text, or phone verification you have to do in order to add a card to your wallet. They also said these purchases were all made IN PERSON at XXXX different XXXX  locations all in different cities and different states than the one I live in. They told me there is nothing more they could do and that if I still wanted to dispute the charges I would have to contact XXXX and take it up with them. When I contacted XXXX they said they could not dispute 3rd party purchases and that I need to contact my bank, pretty scummy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Balance : {$16000.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reached out via mail XX/XX/year> and called Experian on XX/XX/year> to remove address that belonged to family members. Asked to have the information removed immediately as the information was mingling my profile with others which is misleading to future creditors. Ive requested all non mailable addresses also to be removed from my account. Ive submitted several complaints in reference to this issue. 

XXXX  investigation My address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX All other addresses should be removed immediately per my several attempts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OFG BANCORP
State: PR

Complaint narrative:
I am disputing the account listed under my credit report because I am showing as co-dependent or co-signer on the loan, not the primary account holder. I do not have any financial control or access to the account, nor do I have any relationship or contact with the primary borrower. I was added for support purposes only and should not be held responsible for any activity or delinquency associated with this account.I do not know this person XXXX XXXX XXXX. I respectfully request that this account be reviewed and reconsidered for removal or correction from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
I took out a solar loan for {$67000.00} to install solar panels at my home. The system has never worked properly, and the company that installed it went out of business, leaving me without any warranty, support, or promised refund. I was also misled about financial benefits, including federal tax credits that I never received. 

I have repeatedly contacted the lender to resolve the problem. Each time, they told me they would submit a ticket and escalate the case, but no resolution or follow-up was provided. 

I am currently under a deferment that ends on XX/XX/year>. My monthly payment of {$360.00} is unmanageable due to financial hardship, and I can not resume payments on a non-functional system that is unsupported. I am requesting the lender review the loan for misrepresentation, non-performance, and hardship, extend my deferment, and suspend any negative credit reporting while this dispute is being addressed.

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