vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The loan was originally paid off in XXXX of XXXX. When we received the original of the lien release, we were never told that we needed to send that to the XXXX  to get recorded and remove the mortgage company as lien holder. Fast forward to XXXX, and we are trying to sell our mobile home. XXXX  has stated they need the original lien release - which has since been lost. I have contacted Shellpoint multiple times and they refuse to send me another original. The escrow officer we are working with has contacted them multiple times. Finally, the XXXX  has stated that they will accept a signed lien satisfaction document in leu of the original lien release. Shellpoint is now refusing to sign and send that. They've told both me and my escrow officer that they've sent it, but it's now been 25 days and I still haven't received anything. We've offered to provide XXXX  labels or pay a fee for certified mail, but they will not accept that. We have no way of tracking what they're sending only that they say they've sent it. I followed up again on XX/XX/XXXX and was told that they would resend it. We still have not received anything. They have been blocking the sell of my mobile home by refusing to work with me since XXXX.

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 2025-10-28 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: Global Lending Services LLC
State: FL

Complaint narrative:
On XX/XX/year>2024, I discovered a hard inquiry from global lending service on my credit report. I did not apply for credit or authorize this company to access my credit file. I have no relationship with this company.

Under the FCRA, only inquiries with permissible purpose and consent may be reported. I request that this be investigated and removed immediately. This inquiry is unauthorized and is negatively impacting my credit.

Please provide documentation of my consent or remove the inquiry promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: 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 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am currently enrolled in school, and my student loan is supposed to be in forbearance. My loan servicer does not have a proper means of communicating with me, and none of the credit bureaus have my current address. 

Because of this, my account incorrectly shows a late payment, and my credit score has dropped XXXX points to XXXX. This is directly impacting my ability to qualify for a mortgage, which I plan to pursue next year. I have attempted to resolve this directly with my loan servicer, but my account still reflects inaccurate information. 

This situation is causing unnecessary XXXX  and financial harm. I am requesting that the CFPB investigate this issue, ensure my loan is properly placed in forbearance while I am in school, and that my contact information is updated with all relevant agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-10-28 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: SC

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-10-28 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Im reaching out because Ive been trying to fix some incorrect accounts that appear on my credit report with TransUnion accounts that I never opened or authorized. These accounts are hurting my credit, and I just want to get this resolved.

However, the process with TransUnion has been really frustrating. They keep asking me to upload the same documents over and over again at least three different times so far and every time I do, nothing seems to move forward. I never get a clear answer or an actual solution. 

On top of that, some of the customer service agents have been quite rude. A few times when Ive called to ask for updates or clarification, Ive been treated poorly, which only makes this whole experience even more XXXX. XXXXm just trying to understand whats happening and get this issue resolved, but it feels like Im not being taken seriously.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I ordered an XXXX XXXX  from XXXXXXXX for {$4300.00}, paid via PayPal ( Transaction ID : XXXX ). The seller informed me the battery was out of stock, so I filed a dispute with PayPal on XX/XX/year>2025 ( Dispute Case ID : XXXX ) to request a refund. PayPal initially indicated they would resolve the issue by the end of XX/XX/scrub> 2025. However, PayPal later denied my claim, stating the purchase was not covered under their Purchase Protection program, per their email notification. The denial referenced the PayPal User Agreement and Protection for Buyers. As a result, I have not received a refund or the product, and PayPal has stated I remain responsible for the full transaction amount, including any associated PayPal Credit fees or interest charges. I believe this outcome is unfair, as the seller failed to deliver the purchased item.

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 2025-10-28 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Negative Items on My Credit Report To Whom It May Concern, I am writing to formally dispute several negative items listed on my credit report provided by Experian. After reviewing my report, I believe these entries are inaccurate and should be removed to reflect my true creditworthiness. 

Here are the specific details of the entries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$120.00} - Status : Paid in settlement, written off. 
- * Reason for Dispute : * This account was settled, and I request verification of the balance written off. 

XXXX. XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Status : Paid, Closed. 
- * Reason for Dispute : * This account shows as potentially negative ; I request confirmation of its status and verification of any remaining balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$250.00} - Status : Collection account, {$250.00} past due as of XX/XX/XXXX. 
- * Reason for Dispute : * I request validation of this debt as I do not recognize it and believe it to be inaccurate. 

Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is incorrect. I request that you investigate these items and provide me with the results of your investigation. If you find that my information is indeed inaccurate, please ensure that these negative items are removed from my credit report. 

Enclosed are copies of documentation supporting my claim. I have highlighted relevant sections for your convenience. Please confirm receipt of this letter and provide me with a timeline for resolving this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2025-10-28 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Negative Items on My Credit Report To Whom It May Concern, I am writing to formally dispute several negative items listed on my credit report provided by Experian. After reviewing my report, I believe these entries are inaccurate and should be removed to reflect my true creditworthiness. 

Here are the specific details of the entries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$120.00} - Status : Paid in settlement, written off. 
- * Reason for Dispute : * This account was settled, and I request verification of the balance written off. 

XXXX. XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Status : Paid, Closed. 
- * Reason for Dispute : * This account shows as potentially negative ; I request confirmation of its status and verification of any remaining balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$250.00} - Status : Collection account, {$250.00} past due as of XX/XX/XXXX. 
- * Reason for Dispute : * I request validation of this debt as I do not recognize it and believe it to be inaccurate. 

Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is incorrect. I request that you investigate these items and provide me with the results of your investigation. If you find that my information is indeed inaccurate, please ensure that these negative items are removed from my credit report. 

Enclosed are copies of documentation supporting my claim. I have highlighted relevant sections for your convenience. Please confirm receipt of this letter and provide me with a timeline for resolving this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This information is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy

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 2025-10-28 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: MO

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 2025-10-28 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company is reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ), 15 U.S.C. 1681i, which requires consumer reporting agencies to ensure all data is 100 % accurate and verifiable.

These inaccuracies have caused unnecessary stress and financial hardship as I work to rebuild my credit. The accounts and personal information listed in my attached dispute letter are either outdated, incorrect, or unverifiable. I am requesting a full reinvestigation and deletion of this information to restore accuracy to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX Acct # XXXX I am writing to file a formal complaint regarding Ally Financials release of my personal and financial information to a third-party debt collector and the reporting of inaccurate or incomplete information to credit reporting agencies. 

I recently received communication from XXXX, XXXX XXXX XXXX XXXX XXXX, who claims to be collecting a debt allegedly owed to Ally Financial. I have not received proper notice that my account was sold, transferred, or assigned, and I did not authorize Ally Financial to share my personal or account information with this or any other third party. 

Under the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ), financial institutions are required to : Safeguard customer data and limit its disclosure to authorized parties ; Ensure that all information furnished to third parties or credit bureaus is accurate, complete, and verifiable ; Provide written notice to the consumer when an account is sold or assigned to another entity. 

Therefore, I am requesting that Ally Financial provide the following documentation within 30 days : 1. The reason and date my personal or account information was disclosed to the debt collector ; 2. The name, address, and legal authorization of the debt collector that received my information ; 3. A copy of any assignment, sale, or servicing agreement authorizing this disclosure ; 4. A detailed record of all data shared with the collector and credit bureaus ; 5. Verification that all information reported about this account is accurate, complete, and lawfully transmitted ; 6. Confirmation of steps Ally has taken to correct or remove inaccurate data and to ensure compliance with federal and state privacy laws.

If this issue is not properly addressed, I will submit formal complaints to the Federal Trade Commission ( FTC ), and the Maryland Office of the Attorney General for further investigation into potential violations of federal privacy and credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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