vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I took out a mortgage in XX/XX/year>. It has been subsequently sold to Shellpoint. My Trust deed shows the terms of the loan to be from XXXX with a balloon payment at the end. In XXXX my monthly payment nearly doubled to {$3300.00} per month on a principal balance of {$160000.00}. In XXXX I requested a copy of the note twice by phone, and it was not produced. In XXXX my family attorney, XXXX XXXX also requested a copy, but as of now, XX/XX/XXXX, no copy has been produced. It is my feeling that the raise in my monthly payment to accommodate the payoff of the loan by XXXX is not in keeping with the terms of the note I signed. According to the trust deed, the end date of the loan is XXXX and there is a balloon payment to make up for the difference in the unpaid principal. If this is a mistake let 's just see the note.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Please check the information concerning Equifax data breach in attachments. Trans Union and Experian are also displaying incorrect information. Also please remove all inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Please check the information concerning Equifax data breach in attachments. Trans Union and Experian are also displaying incorrect information. Also please remove all inquires.

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 2025-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-06-04 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: NJ

Complaint narrative:
After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XX/XX/year>, between XXXX and XXXXXXXX XXXX, I contacted Citibank after being notified of an outstanding balance of {$100.00} on my credit card. When attempting to verify my identity through their website, I was unable to proceed because the phone verification system failed to send the code to my registered number. 

I then attempted to resolve the matter over the phone and offered to make the full payment of {$100.00} immediately to avoid any additional charges. However, the representative refused to process the payment because they were again unable to verify either my phone number or security question. 

During the call, I provided my full personal information : Social Security Number Date of Birth Full Name Card Number Despite my clear intention to resolve the issue and fulfill my payment obligation, the agent refused to accept my payment and could not guarantee that I wouldnt be charged further fees. 

When I requested a reference number for the call and the agents full name, they refused to provide either. Additionally, the agent declined to confirm the mailing address where the verification letter and code were allegedly sent. 

My complaint is that I am being penalized for an issue that is not my fault. I am ready and willing to pay my full balance of {$100.00}, and I find it abusive and unacceptable that Citibank is preventing me from doing so due to a technical failure on their end. 

I respectfully request that this matter be escalated, that my account not incur further fees, and that I be contacted with a resolution as soon as possible. 

Thank you for your attention to this urgent matter.

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 2025-06-04 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: NJ

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX Account no : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Dispute Reason : I dispute the reported 30-day late payment from XX/XX/XXXX, which I believe is either inaccurate or unverifiable. Under FCRA 623, furnishers must only report complete and accurate information. Please investigate and delete if proper verification can not be provided. XXXX Account no : XXXX Date Opened : XX/XX/XXXX Dispute Reason : This account shows a 30-day late payment in XX/XX/XXXX. Given the age and closed status of the account, I demand verification of this derogatory entry under FCRA 611. If unverifiable or reported in error, it must be removed immediately. XXXX XXXX XXXX XXXX Account no : XXXX Date Opened : XX/XX/XXXX Dispute Reason : This account reflects a 30-day late in XX/XX/XXXX and a 60-day late in XX/XX/XXXX. I request that you verify these delinquencies with the original furnisher. If you can not confirm the accuracy with complete documentation, this derogatory history must be deleted under FCRA 607 ( b ). XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account NO : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute Reason : I do not recognize this account and have not received proper validation under FDCPA 809. Reporting this collection without validation violates FCRA 623 and FCRA 609 ( a ) ( 1 ). Please provide documentation or remove immediately. XXXX XXXX XXXX Account NO : XXXX  Date Opened : XX/XX/XXXX Dispute Reason : Although this charge-off did not report to other bureaus, I am including it in this letter to ensure that you are not reporting it erroneously or in a suppressed file. Please confirm whether this item exists in your records, and if so, verify its accuracy or remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Despite my written request for debt validation, and complaint with the XXXX, the collector failed to provide a copy of the original signed contract or full credit agreement that creates the legal obligation. They only submitted a partial application with personal information, which is not a binding credit contract under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accountsXXXX 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  {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Charges filed XXXX XXXXXXXX XXXX XXXX  attached, FTC and ID attached for verification thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am writing to formally dispute a negative item that has been reported on my credit report, which I believe is inaccurate and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete, and to have such items investigated and corrected or removed if found to be inaccurate. Please conduct a thorough investigation into this matter, and if your investigation confirms that this item is inaccurate or does not belong to me, I request that it be permanently removed from my credit report in accordance with the FCRA. Furthermore, I request that you notify all credit reporting agencies to which this negative item has been reported to ensure its prompt removal. 

Thank you for your prompt attention to this matter. I look forward to your swift action in correcting my credit report and ensuring that my credit history accurately reflects my financial conduct. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I had a balance of approximately {$30.00} on my Forever 21 credit card issued by Comenity Bank in XX/XX/XXXX, I made a new purchase of {$18.00}. 

I went to a Forever 21 store to make the payment, but they told me that in-store payments were not accepted. I then tried several times to pay online, but the Comenity website was not functioning I could not log in or access the account to pay. 

Because of this, I was unable to make my payment on time, even though I made multiple attempts in good faith. 
In XX/XX/XXXX, I contacted Comenity Bank and explained everything. However, they told me my balance had grown to {$260.00} due to late fees and interest. They only offered to reduce the balance to {$180.00}, which I still consider extremely unfair and excessive. 

I am willing to pay the original {$18.00} plus {$30.00} or even a reasonable adjustment, but I request that the excessive penalties and fees be removed. I am asking for a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was the victim of a crime in which I was XXXX, and my phone and wallet were stolen. While I was XXXX, the perpetrator used my thumbprint to unlock my phone and accessed my PayPal account. They then executed multiple unauthorized transactions. 

Regarding the PayPal transactions, I had not used my PayPal account in several months, and the transactions made were significantly higher than anything Ive ever sent before multiple individual payments each over {$1000.00} in a very short-time. These were highly abnormal for my account history and should have triggered a fraud warning. 

Within hours of the crime being committed and as soon as I was able to, I changed all of my financial account passwords and also called PayPal, along with all of my other financial accounts, to make them aware of the fraud and to attempt to stop or reverse the pending transactions. 

I submitted a police report confirming the incident and explaining that I was incapacitated during the time the transactions occurred. Despite this, PayPal denied my fraud claim.

What Ive done so far : Filed a police report Submitted it to PayPal after their initial denial Requested reconsideration Explained that biometric access was exploited while I was unconscious Highlighted unusual transaction patterns and inactivity Additionally, XXXX XXXX, who issued a PayPal credit card to me, refunded all charges made through their card, noting these charges were fraudulent. The transaction made directly through the PayPal account, in the amount of {$1300.00} to XXXX, was denied because PayPal is not agreeing that it was fraudulent. 

What resolution Im seeking : I am requesting that PayPal refund the unauthorized transaction of {$1300.00} and acknowledge that access gained through biometric means while unconscious can not be considered user authorization especially given the highly atypical transaction activity and prior account dormancy. 

Amount in dispute : {$1300.00} Date of incident : XX/XX/year> Police Report Number : XXXX Location of incident : XXXX XXXX XXXX Louisiana I am attaching the following files : Police Report : XXXX Transaction Listing : Paypal Charges Transaction Details : Paypal {$1300.00} Details PayPal Response : Paypal Resolution Center Response Please let me know if you need additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX  for unlawfully sharing or selling my personal information to a third-party debt collection agency, XXXX, XXXX & XXXX XXXX without proper authorization or verification. This action is a serious violation of my consumer rights and may also breach provisions under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) regarding the protection of consumer data. 

The account in question was closed and I was not the official or authorized owner of that account. I never provided consent for XXXX XXXX to release or transfer any personal or financial information related to me to this collection agency. As a result of their careless handling of sensitive data, this collection account has been reported on my credit report, causing harm to my creditworthiness and financial standing. 

I previously issued a formal request for XXXX XXXX to remove this account from my credit report, but they failed to act. Given their inaction, I have now formally initiated legal action against XXXX XXXX and the third-party debt collector involved. 

I am requesting that the CFPB investigate this matter immediately and take the necessary steps to have this account permanently removed from my credit report and hold XXXX XXXX accountable for their failure to protect my private financial data. 

Sincerely, 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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: FL

Complaint narrative:
XX/XX/year> my netspend account was closed with {$1000.00} in my balance. I was notified I would receive my funds via check to the address on file. 

Netspend has failed to provide the customer service that they promised. They are holding my funds from a closed account for no specific reasoning. The customer service team continues to provide misleading answers when I make contact to have my check sent. 

I just want this company to send my funds that were in balance to address on file immediately.

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