vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was with XXXX XXXX for over 11 years and last year they sold my loan to Shellpoint Mortgage. I never saw a letter stating this would happen. 

Now I receive a letter dated XX/XX/year>, from Shellpoint Mortgage stating they sold my loan to XXXX XXXX  XXXX XXXX, back on XX/XX/year>. I received this letter on XX/XX/year>. 

I understand that Shellpoint is legally responsible for sending a letter 15 days prior to the transfer, which they did not do. Also, XXXXXXXX XXXX XXXX trust is legally responsible for sending me a letter within 15 days of the transfer, which they did not do. I have not received anything from them, as of this day, XX/XX/year>. 

I would like to hear back from someone as soon as possible to handle this matter in a fair way, due to the fact that they did not hold up their end of the legal responsibility. I feel I was kept in the dark this whole time. 

I even talked with them a couple weeks ago about my loan and they never gave me any information that it had already been sold. 

I have never gone through something like this before and it is very distressing. Thank you for your time and I hope to hear from someone soon. 

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 2025-05-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # : XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquires : 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  Account # : XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquires : 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Paid off loan balance on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ). 
Verified on XXXX, XXXX, XXXX XXXX loan was paid off. 
Loan balance from XXXX was negative- {$47.00} which meant I paid too much and they will send me a check for my overpayment. 

On XX/XX/XXXX I was notified by email that XXXX was transferring to XXXX XXXX. 
On XX/XX/XXXX I received email from XXXX that loan transfer was completed. 
I logged into my account and verified loan was paid off and I still had a negative balance of - {$47.00} XXXX then closed my account with XXXX in XX/XX/XXXX and XXXX had sent me a check for the {$47.00} since I had overpaid. 

This month, XX/XX/XXXX, I noticed a ding on my credit from XXXX saying I never paid for the month of XX/XX/XXXX. 
From the month of XX/XX/XXXX to XX/XX/XXXX I had no balance to pay. 
How would I pay a {$0.00} dollar balance or a balance where I was owed money from overpaying on my loan On XX/XX/XXXX I called Experian about disputing this error of late payment which ended up with Shellpoint saying everything is correct. Now Im contacting XXXX for resolution. How would I make a late payment on a balance that is paid off.

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 2025-05-15 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 am writing to formally insist that this complaint be taken seriouslyit is not an error or oversight. My credit report contains demonstrable inaccuracies that fail to meet the legally required standards of maximum possible accuracy. These errors are causing me significant financial and emotional distress, with ongoing negative consequences that are both severe and far-reaching. Given the urgency of this matter, I expect these inaccuracies to be promptly corrected or removed. Immediate action is required to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * This notice will also be submitted to the Consumer Financial Protection Bureau XXXX CFPB ), Better Business Bureau XXXX and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
To date, I have received no satisfactory resolution or response to my initial demand.

FERPA strictly prohibits unauthorized access, modification, or deletion of student records without explicit consent. Your failure to properly address my dispute is a direct violation of federal law and may result in severe penalties, including legal and regulatory consequences.

# # # I am escalating my demands and require the following actions within 15 days : 1. Comprehensive Investigation A full, written report of all findings regarding unauthorized access and data tampering.

2. Full Data Disclosure A detailed list of individuals or entities ( including Doge or Musk-affiliated organizations ) that accessed or altered my records.

3. Immediate Data Restoration Full correction of my records, with an official statement verifying that my loan data has been restored to its original, accurate state.

4. Formal Written Compliance Assurance A signed confirmation stating that my records will remain FERPA-compliant and fully protected moving forward.

If I do not receive compliance within 15 days, I will escalate this dispute immediately by taking the following actions : File a formal FERPA complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ).

Submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) for deceptive practices regarding student loan record handling.

Report your noncompliance to the State Attorney Generals Office for consumer rights violations.

Pursue legal action for damages incurred due to your failure to protect my student loan data. 
This is your final opportunity to resolve this issue before facing further regulatory and legal action. I expect a written response within 15 days confirming all corrective measures taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am writing to formally dispute two late payments reported on my credit report by XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. My account number is # XXXX. According to the Fair Credit Billing Act, specifically 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure that a payment received by the due date is not treated as late if the payment was received before XXXXXXXX XXXX. on that date. I have reason to believe that my payments for XXXX and XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX ) were made on time or within the appropriate grace period, and the reporting of these payments as late is inaccurate and damaging to my credit profile. This erroneous reporting has caused significant negative impact on my credit score and financial well being. according to 15 u.s. 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting that you investigate this matter and provide written confirmation of the results. If the reporting is found to be inaccurate, I request immediate correction and removal of these late payments from my credit report. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), which requires that disputed items be investigated and corrected or removed if they are found to be inaccurate or unverifiable. Please complete your investigation within the 30-day period as required by law and provide written confirmation of your findings.

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 2025-05-15 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * This notice will also be submitted to the Consumer Financial Protection Bureau XXXX CFPB ), Better Business Bureau XXXX and my State Attorney General. 

I look forward to your prompt response.

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 2025-05-15 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-15 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: FL

Complaint narrative:
XXXX XXXX is inaccurately reporting my payment history to TransUnion and other credit bureaus despite having paid them every month since XX/XX/year> on-time ( see attached ). XXXX XXXX is also engaged in predatory lending charging more than XXXX % interest despite us not contracting to this amount. In the aggregate, this poses significant risk to XXXX commerce and buyer confidence. Despite XXXX 's likely illegal lending practices, I have still made on-time payments ( sometimes more than once ) and they refuse to accurately reflect these payments on my account balance and when reporting to TransUnion and XXXX credit bureaus. Notably, my Equifax score and payment history is totally different and accurately reflects the payments made since XX/XX/year>. Yet, TransUnion refuses to acknowledge these same payments made during that same time period and somehow refers to the inaccurate payment history provided by XXXX as accurate. TransUnion is also claiming that the amounts are " accurate '' despite my balance being more than {$500.00} less on the actual XXXX website and what TransUnion is claiming is " accurate '' on their website. At best, TransUnion didn't do any sort of actual investigating. At worst, they are assisting XXXX to violate both federal and state law by engaging in these sorts of predatory and illegal lending operations. They need to fix my account and bring it back into good standing and accurately report the payments I have been making since XX/XX/year> to the credit bureaus.

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 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts has been charged off and they need to be deleted from my credit and show as {$0.00} prompt. I have received the XXXX ; XXXX and will attach them

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