vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
While I was actively in loss mitigation review, I received no warnings or notices that foreclosure was proceeding. Then I was blindsided by a letter from an attorney stating my home had already been foreclosed and sold to the bank. I received no sale notice, no court date, and no clear explanation. 

This is a clear violation of RESPA regulations regarding dual tracking. A servicer may not continue with foreclosure while a complete loss mitigation application is under review. I feel I was misled, denied due process, and wrongfully foreclosed on without transparency or fairness. 

I have now filed a Verified Complaint and Motion for XXXX  with the XXXX XXXX XXXX XXXX. I am seeking immediate relief to stop further harm and recover my home. I ask the CFPB to investigate this wrongful foreclosure, require a response from Shellpoint, and hold them accountable for any violations.

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 2025-08-01 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: NJ

Complaint narrative:
I am demanding the immediate and permanent deletion of all accounts and inquiries related to identity theft listed in my dispute letter, including : XXXX XXXX  ( Inquiry : XX/XX/year> ) XXXX  XXXX ( Acct XXXX XXXX XXXXXXXX ) I C 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  These accounts and inquiries were not authorized by me and are the result of identity theft, as proven by the documentation I submitted including my FTC Identity Theft Report, ID, SSN, and proof of address.

A fair resolution must include : The permanent deletion and blocking of these fraudulent entries in compliance with 15 U.S.C. 1681c2 ; A corrected and updated credit report showing the deletions ; Written confirmation that these entries have been removed and blocked ; A formal acknowledgment that the dispute was fully investigated and resolved.

If this matter is not corrected within the time allowed by federal law, I will escalate the issue with the FTC, Attorney General, XXXX  and may pursue legal action under FCRA 616 for statutory damages, actual harm, and attorneys fees.

I am not requesting anything unreasonable just that my rights under federal law be honored and that these fraudulent, damaging entries be removed without further delay.

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 2025-08-01 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 am writing to dispute a fraudulent account that is inaccurately being reported under my name. I have no knowledge of this account, nor did I ever authorize or open it. This entry is not only incorrect but is also severely affecting my credit standing and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion I, XXXX XXXX, am filing this complaint directly and personallynot through any third party. I am disputing the accuracy and completeness of the payment history reported on several open accounts associated with the Department of Education ( XXXX  ). 

Upon reviewing my credit reports, I identified multiple inaccurate late payment entries that fall under billing errors as defined in 15 U.S. Code 1666 ( b ). I do not recall being late on any of the accounts listed below and believe these entries are due to creditor reporting errors, which the credit bureaus have a legal duty to investigate and correct.

Alleged Billing Errors : The creditor has failed to fulfill their legal responsibilities under : 15 U.S. Code 1666 ( b ) ( 4 ) Failure to accurately reflect a payment made or credit issued by the obligor.

15 U.S. Code 1666 ( b ) ( 5 ) Computation or accounting error on a billing statement.

Additionally, I was not issued a billing statement at least 21 days prior to the alleged due dates. Therefore, no late payments should have been reported in the first place. 

Disputed Accounts : All of the following accounts are being reported with inaccurate late payment information : DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX 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 2025-08-01 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood closed my account in early XXXX. At the time they stated the funds would be able to be refunded/transferred out within 15 days. When they came and went their AI generated emails stated it would be 120 days. 

Through this process they have both lied about working with my bank to process the refund/transfer and additionally will not allow me to speak to a human. All the emails I submit are responded with the same exact email ( indicating AI generated ), and when I called in they said they had a policy against recording calls and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/year>, TransUnion removed a bankruptcy from my credit report after I disputed it. However, in XX/XX/year>, they illegally reinserted the bankruptcy without notifying me in writing within the XXXX business days as required by the Fair Credit Reporting Act ( FCRA Section 611 ). 

I have contacted XXXX and third-party public record vendors, and they have confirmed they have no public record on file for me. I also contacted the U.S. Bankruptcy Court directly, and they have confirmed they do not report TransUnion has violated my rights by : Re-inserting inaccurate information that was already deleted Failing to notify me within the required 5-day window Reporting a bankruptcy that does not exist in any public record database This bankruptcy must be permanently deleted immediately. I am requesting this matter be fully investigated and resolved in compliance with federal law. 

I have attached all documents needed to investigate

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 2025-08-01 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: NJ

Complaint narrative:
Immediate reinvestigation of the late payment reported by XXXX XXXX ( Account # XXXX ), including a thorough review of all documentation proving that proper notice was provided prior to reporting the late payment. 

If XXXX XXXX can not provide verifiable proof ( such as dated reminder letters, emails, or other communications ) showing that they notified you about the missed payment before reporting it to the credit bureaus, the late payment must be permanently deleted from your credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Provide a corrected and updated credit report reflecting the removal of the inaccurate late payment entry once the deletion is made. 

Send a written confirmation verifying the deletion and the completion of the reinvestigation within 15 business days. 

Assurance that this issue will be handled in a timely and compliant manner to prevent further violations or harm to your 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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc.
State: NJ

Complaint narrative:
Aqua Finance charged off my RV loan on or around XX/XX/year>, without notifying me. I discovered the charge-off only by reviewing my credit report. Despite this, they have continued withdrawing {$1100.00} from my personal checking account each month including XXXX and on XX/XX/year> even though the account is listed as closed and charged off. 

My loan has been on automatic withdrawal since origination, so it is not possible that I missed payments. I was not delinquent, and Aqua never sent notice of a charge-off, loan transfer, or servicing change. I have made multiple written and phone requests to Aqua Finance asking for a current payoff letter, loan status, and confirmation of who now owns or services the account and have received no response.

As of today, I still do not know who holds the lien on my RV, what I owe, or how to pay it off. Aqua continues taking money monthly from my bank account on a loan they report as defaulted. This has damaged my credit and caused extreme financial and emotional stress. 

I formally revoked ACH payment authorization in writing and requested a refund of the XX/XX/XXXX payment, but I have not received any acknowledgment. I believe this violates the Electronic Funds Transfer Act ( Regulation E ) and Fair Credit Reporting Act ( FCRA ), and I am requesting immediate regulatory review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I took out a line of credit from XXXX through XXXX  for around {$3300.00}. Ive been making {$500.00} payments monthly for over a year and have paid more than {$6000.00}. Despite this, my balance is now higher than what I originally borrowed, sitting at {$3400.00}. 

I was not clearly informed that most of my payments would be consumed by billing cycle charges instead of reducing my principal. These fees were excessive and predatory, and I now feel trapped in an endless cycle of payments with no resolution. The loan is through XXXX  and issued by XXXX, a division of XXXX XXXX XXXX XXXX 

Im requesting the account be closed, the remaining balance forgiven, and that it be reported as paid in full or settled. I can no longer afford to continue under these deceptive and harmful terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Experian compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance. XXXX XXXX # XXXXXXXX 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 2025-08-01 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: CA

Complaint narrative:
I am submitting this complaint regarding several unauthorized or improperly documented hard inquiries that are negatively affecting my credit profile. I have disputed these inquiries directly with all three credit bureaus Experian, Equifax, and TransUnion and with the companies that initiated the inquiries, but the issues have not been resolved. 

I am concerned that these inquiries may violate the permissible purpose provisions of the Fair Credit Reporting Act ( FCRA ), and I request the CFPBs assistance in compelling these agencies and companies to provide documentation or remove the inquiries. 

Below is a summary of the disputed inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax : XXXX XX/XX/year> I sent written requests to both the credit bureaus and the companies listed above asking for proof of permissible purpose, including dates, application records, and signed consent. I did not receive proper documentation or resolution. 

These inquiries are harming my credit rating, and under the FCRA, unverified or unauthorized inquiries must be removed. 

I am requesting the CFPBs assistance to : 1. Compel these companies to provide proof of authorization and permissible purpose ; or 2. Require the removal of these inquiries from my credit reports if documentation can not be provided.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurately reported late payment appearing on my credit file. I have reviewed my financial records, and there is no indication of a missed or late payment during the time reported. I have always taken my financial obligations seriously and have consistently paid on time.

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 2025-08-01 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: CORELOGIC INC
State: NC

Complaint narrative:
I disagree with CoreLogic Credcos claim. As a reseller, they provided my data to furnishers. Under FCRA 609 ( e ) & 611, I request full disclosure and reinvestigation of all sourced info.

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 2025-08-01 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: PA

Complaint narrative:
I am the direct consumer and a victim of identity theft. Fraudulent accounts and unauthorized hard inquiries were reported on my credit file without my knowledge or permission. I submitted a complete identity theft package, including : FTC Identity Theft Report Government-issued photo ID Proof of address Social Security card Despite providing all required documentation under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency has failed to remove or block the following fraudulent accounts and inquiries : XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX This is a violation of : 15 USC 1681c2, which requires fraudulent information to be blocked within 4 business days of receiving a valid identity theft report 15 USC 1681b ( c ), prohibiting the furnishing of inquiries without consumer authorization 18 U.S.C. 1028A, which addresses the criminal offense of aggravated identity theft The agencies involved have not taken the required legal action, and the continued reporting of these fraudulent entries is damaging my credit and financial reputation.

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 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I was never notified about anything of my car after it was repossessed. It was sold and now its on my credit with an unpaid balance I have no idea of. ( UCC- 9-614 )

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 2025-08-01 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: LEXISNEXIS
State: NY

Complaint narrative:
I am currently in civil court over alleged toll violations. The plaintiff in this matter is the XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX and they are represented by XXXX XXXX XXXX, XXXX. 

As part of their case, they accessed my XXXX XXXX LexisNexis consumer report XXXX XXXX  to verify my residence without my knowledge or consent. They are attempting to use this consumer data in litigation to link me to alleged violations that remain disputed and unproven in court. It also have not been proven or litigated. 

There is no permissible purpose for this inquiry under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ). 

The debt has not been validated, I have no account or business relationship with the XXXX XXXX, and I never initiated a transaction or gave authorization to obtain my report. A permissible purpose requires more than suspicion it requires a legitimate business need connected to a transaction initiated by the consumer. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court made clear : " A permissible purpose must be based on a legitimate business need in connection with a transaction initiated by the consumer. 
The only purpose here was to fish for evidence and build a case not to service a credit transaction. This is a serious misuse of my consumer data. 

LexisNexis allowed this improper access without verifying the legal basis, and I was never given notice, nor an opportunity to dispute the accuracy or purpose. I demand a full investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
XXXX am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this 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