vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: AZ

Complaint narrative:
In XXXX and XX/XX/XXXX, Shellpoint Mortgage drafted HELOC payments from a closed bank account, despite clear instructions not to use that account. I discovered the issue in XX/XX/XXXX and immediately contacted Shellpoint. A representative acknowledged the mistake and assured me the matter was being investigated. 

During that call, I was explicitly told to stop making payments while the investigation was ongoing, because any payments made would be applied directly to principal rather than covering the monthly interest-only payments, which could make the issue worse. I followed their instructions and paused payments in good faith. 

Over the next eight months, I made numerous phone calls attempting to resolve the issue. On XX/XX/XXXX, I sent a certified Qualified Written Request ( QWR ) requesting : All call recordings or transcripts related to this issue Any signed payment authorization forms Shellpoints written policies for HELOC payment application A full breakdown of how payments have been handled since the loans inception As of XX/XX/XXXX, I have received no documentation and no resolution. Today, Shellpoint told me they have no evidence of misapplying funds, deny that drafts came from the wrong account, and are now moving forward with foreclosure and demanding that I pay foreclosure-related fees. 

This is entirely due to Shellpoints own errors and failure to follow through on the investigation they claimed to have opened. I followed their instructions, trusted their process, and now find myself facing the possible loss of my home.

They have violated their obligation under RESPA to respond to a QWR within 30 business days and have failed to provide transparency, documentation, or a fair resolution. I am urgently asking the CFPB to investigate this mishandling, stop foreclosure proceedings until the matter is resolved, and ensure Shellpoint is held accountable. 

Please see the following attached letter sent by certified mail to Shellpoint regarding this matter. I have to date not received any correspondence to this letter, but on my phone call on XX/XX/XXXX, the representative has confirmed they have the letter. I am still waiting on all recorded phone calls, and written, email correspondence from Shellpoint, which has all my evidence to this mishandling and multiple calls where they took responsibility for their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-14 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: IN

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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

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 2025-07-14 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-14 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-14 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: IA

Complaint narrative:
Informed Experian through the online account ( paid service ) that the mortgage lenders were seeing over 30 % credit card usage, I disputed three of the listed cards that had been paid, locked and have XXXX balance. They initially communicated that it would take them 30-45 days to review, crazy as they post increases, miss or derogatory immediately. 
Today they sent back there review was complete, I am mistaken the account will remain showing having balances and may show a new balance in 85 days. 
Closed the account, responded to their survey with XXXX stars and started this dispute as will with XXXX as well. They did not query these CC businesses as once I paid them to ensure they would not get charged they were locked, today still show XXXX balance. 
If these places are the gate keepers for average citizens to be able to obtain mortgages and loans they have to have a method to obtain and display accurate information on request - 30, 45 85 days is beyond any reason with technology today. I can show evidence of my dispute and they can say its wrong or does not matter, the only method is there's for managing this data. It's extortion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IA

Complaint narrative:
Informed Experian through the online account ( paid service ) that the mortgage lenders were seeing over 30 % credit card usage, I disputed three of the listed cards that had been paid, locked and have XXXX balance. They initially communicated that it would take them 30-45 days to review, crazy as they post increases, miss or derogatory immediately. 
Today they sent back there review was complete, I am mistaken the account will remain showing having balances and may show a new balance in 85 days. 
Closed the account, responded to their survey with XXXX stars and started this dispute as will with XXXX as well. They did not query these CC businesses as once I paid them to ensure they would not get charged they were locked, today still show XXXX balance. 
If these places are the gate keepers for average citizens to be able to obtain mortgages and loans they have to have a method to obtain and display accurate information on request - 30, 45 85 days is beyond any reason with technology today. I can show evidence of my dispute and they can say its wrong or does not matter, the only method is there's for managing this data. It's extortion.

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 2025-07-14 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:
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 explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

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 2025-07-14 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: CA

Complaint narrative:
Company claims i owe XXXX dollars. They know the last 4 of my social and asked for a birth date. When I stated I dont have any outstanding debt they told me that it was a litigation and they would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified.

Upon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report.

In support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

Thank you in advance for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
In XX/XX/year> I rented a vehicle from XXXX through XXXX and used my Capital One credit card to pay. The vehicle was in an accident on XX/XX/XXXX due to faulty brakes. XXXX charged me a total of over {$1600.00} for several days worth of alleged " overusage '' and storage fees. They actually belived I had maintained possession of a total loss vehicle when, in fact, the vehicle was towed from the accident scene to a location I didn't become aware of until days after my wife and I were discharged from the ER ( it took me that long to obtain a copy of the police report ). After I learned of the identity of the towing service and received the bogus invoice from XXXX, I learned from the towing service that XXXX knew all along that the vehicle was NEVER IN MY POSSESSION after the accident but in the hands of the towing company. Not only that, but XXXX did not re-obtain possession of the vehicle for at least a week despite knowing exactly where it was located. XXXX flatly refused to withdraw the invoice and still demanded full payment. After the charge hit my credit card I disputed the charge with Capital One. They succeeded in getting XXXX to refund slightly less than half of the charge, none of which was even remotely justified. When I asked Capital One to continue to pursue the balance of the refund I went through weeks of agonizing misinformation and lies : every person I spoke with at Capital One " customer service '' ... and there were at least a dozen ... asked for more " documentation '', even after I provided them with every single relevant piece of paper at the onset of the dispute and additional times thereafter. I was given contradictory advice and direction from each successive person I spoke with. I wound up writing four different letters ; each of them responded precisely to the requests last representative I'd spoken with. Each time I wrote I received the identical boilerplate letter based upon the falsehood that I failed to furnish adequate " documentation ''. After weeks of dealing with people who barely spoke passable English and showed they could not possibly have cared less, I decided " XXXX  '' and paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation