vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am disputing a XXXX  account reported by XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: AL

Complaint narrative:
The last time Empower reported to the credit bureaus was on XX/XX/year>2025. I have disputed this information with all of the major credit bureaus and even have shown proof that the account information being reported is inaccurate. I have disputed this will all 3 major credit bureaus and even they refuse to report accurately. Empower is reporting the account as having a balance of {$490.00}. This is inaccurate, the account balance is {$0.00} and has been for a while.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 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 explanation
Consumer complaint received 2025-06-03 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: 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
on XX/XX/XXXX I received a forwarded mailpiece to my home address from CASH APP, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  containing a debit card with my legal name on it, and an account number on the back with CVV code and expiration date. 

on XX/XX/XXXX I contacted Cash App at XXXX to report that a card had been fraudulently opened in my name without my knowledge or consent. I was sent an email to upload supporting documents. I uploaded a statement and an image of the card.

I have not received any email receipt of my submission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Concerns Regarding Mortgage Loan Servicing at Fifth Third Bank To Whom it May Concern, I hope this message finds you well. I'm reaching out to formally raise concerns regarding the servicing of my mortgage loan, originally obtained through Better and subsequently transferred to Fifth Third in 2022. 

Since the loan transfer, I have encountered several issues. My payments were set to autodraft, and at some point, the monthly payment amount was changed without prior notification. As a result, the original amount continued to be withdrawn for several months. I was only made aware of the discrepancy via voicemail approximately three months later, at which point I took immediate steps to resolve the matter. The process of addressing itincluding sending paper checks refunds by mailwas unnecessarily complex and inefficient.

More recently, I contacted your team to inquire about removing PMI by submitting a lump-sum payment. I was unable to get a clear calculation from your representatives and had to rely on the Loan Consultants at Better for accurate information. After submitting the required amount, I received a notice stating the payment could not be applied to eliminate PMI due to a lack of good payment history. 

Given that the payment issue appears to have originated from a lack of communication on your end, it is concerning that this now affects the status of my loan and my efforts to reduce my monthly financial obligations. 

I would appreciate a review of my account and clarification on the decisions made. Thank you for your attention to this matter. 

Best regards, XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I ask them to fix my pay advance and they kept saying give it a day and the system might fix itself or youll have to wait until your next paycheck. As Im telling them its not gon na work, an I got paid on XXXX. Mind you they got XXXXXX/XX/XXXX from me in addition me week. I cant wait till next paycheck it in another week and half wouldnt even try to offer me loan even tho theyre websites says they do it but they dont. Only loans are spot me, an my pay advance I did say fee rude things but I gave them warning about court a soon as I sent them consumer bureau and false advertisement. I sent him a screenshot. They hit me with the law-enforcement harassing him after I told them ima take yall court a sent them screen shot of false advertising a consumer bureau. They end chat with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: NM

Complaint narrative:
Not able to obtain credit due to inaccuarute data furnished, missing all positive payment historys and Agencys using Trademark unlawfully and without permission. Be advised of Standard usage fee of unathorized use is {>= $1,000,000} usd. Per incident. So do not use if your not prepared to pay please and thank you as its my property. XXXX XXXX is a registered trademark. Do not use as no agency has permission to use. Also due to fact i have obtained XXXX XXXX XXXXXXXX and have unlimited capacity to contract how is it that i have never been approved for anything ever and that changes today or else.

Also i did not put any fraud alerts out and need that fixed as that was retalitory action from last complaint made.

See Public law 73-10/HJR 192. UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Not able to obtain credit due to inaccuarute data furnished, missing all positive payment historys and Agencys using Trademark unlawfully and without permission. Be advised of Standard usage fee of unathorized use is {>= $1,000,000} usd. Per incident. So do not use if your not prepared to pay please and thank you as its my property. XXXX XXXX is a registered trademark. Do not use as no agency has permission to use. Also due to fact i have obtained XXXX XXXX XXXXXXXX and have unlimited capacity to contract how is it that i have never been approved for anything ever and that changes today or else.

Also i did not put any fraud alerts out and need that fixed as that was retalitory action from last complaint made.

See Public law 73-10/HJR 192. UCC 1-308

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my credit report and noticed a collection entry that I do not recognize, and for which I have never received any communication or verification. 
Details of the account are as follows : XXXX XXXX Name : XXXX XXXX  Account Number ( if available ) : XXXX Reported Balance : XXXX Date Opened/Reported : XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate and verify the accuracy and ownership of this debt. As I do not recognize this account and have never received any validation from the collector, I request that you : 1.Provide complete details about the debt, including the original creditor, account statements, and any signed agreements bearing my name ; 2.Identify the name and contact information of the current debt collector ; 3.Remove this account from my credit report immediately if it can not be fully verified within 30 days as required by law.

If the account can not be verified, it must be deleted from my credit file under FCRA Section 611. Please send me written confirmation of the results of your investigation and a copy of my updated credit report once the process is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my credit report and noticed a collection entry that I do not recognize, and for which I have never received any communication or verification. 
Details of the account are as follows : XXXX XXXX Name : XXXX XXXX  Account Number ( if available ) : XXXX Reported Balance : XXXX Date Opened/Reported : XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate and verify the accuracy and ownership of this debt. As I do not recognize this account and have never received any validation from the collector, I request that you : 1.Provide complete details about the debt, including the original creditor, account statements, and any signed agreements bearing my name ; 2.Identify the name and contact information of the current debt collector ; 3.Remove this account from my credit report immediately if it can not be fully verified within 30 days as required by law.

If the account can not be verified, it must be deleted from my credit file under FCRA Section 611. Please send me written confirmation of the results of your investigation and a copy of my updated credit report once the process is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 filing this formal complaint regarding an inaccurately reported late payment on my credit report. I have consistently made on-time payments on this account and have never missed or been late with any scheduled payment. However, my credit report reflects a late payment which is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding Shellpoint Mortgage Servicing, which is currently managing the mortgage loan for my cooperative ( co-op ) apartment. Shellpoint is attempting to hold me responsible for a property tax amount of approximately {$26000.00}, which I do not owe. 

When I inquired about the extremely high amount Shellpoint claims I owe under my mortgage modificationnearly {$3000.00} monthly, compared to my original mortgage amount of only XXXX XXXXXXXXthey stated that this increase is due to past-due property taxes. However, I live in a co-op apartment, and I confirmed directly with my property management company that property taxes are paid by the cooperative corporation and not by individual unit owners. Therefore, I am not personally responsible for property taxes on the unit.

I have repeatedly requested Shellpoint to provide documentation and verification regarding these alleged tax obligations, including any bills, tax records, or communications that support their claim. Despite multiple conversations with their point of contact and a supervisor, they have failed to send any such documentation. They continue to state they are investigating the matter but do not provide any concrete timeline, updates, or assurance that the alleged debt will be corrected or that any sale or foreclosure process is on hold. 

This issue has caused significant financial stress and confusion. The incorrect tax charges are inflating my modification amount to an unaffordable level, and Shellpoints refusal to provide documentation or resolution is preventing me from addressing the matter appropriately.


I am requesting the following relief : 1. Shellpoint immediately provide all documentation regarding the alleged {$26000.00} in property tax charges. 2. That Shellpoint remove the tax charges from my mortgage account unless and until they can show proof that I am legally responsible for them. 3. That Shellpoint provide a revised, accurate, and affordable mortgage modification offer based on correct figures. 4. Assurance that any foreclosure or sale is put on hold while this dispute is being investigated. Thank you for your assistance in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am writing to dispute the following information in my file, which is a result of identity theft due to a recent data breach XXXXXXXX XXXX XXXX XXXX I am a victim of identity theft and did not make these charges. I am requesting that these items be blocked and corrected on my credit report. Pursuant to section 605B of the Fair Credit Reporting Act. Not satisfied with their response. I aim to challenge the accuracy of information reported by furnisher fraudulent information, accounts, inquiries. 
Address : Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Post office box Accounts : Credit cards and credit lines XXXX Under dispute Date opened XX/XX/XXXX Balance {$4100.00} Status Open/Never late XXXX 

XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$58.00}, XXXX written off. {$57.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$57000.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$83.00} Status Open. {$16.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 


Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$100.00} written off. 
Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file, which is a result of identity theft due to a recent data breach XXXXXXXX XXXX XXXX XXXXXXXX. I am a victim of identity theft and did not make these charges. I am requesting that these items be blocked and corrected on my credit report. Pursuant to section 605B of the Fair Credit Reporting Act. Not satisfied with their response. I aim to challenge the accuracy of information reported by furnisher fraudulent information, accounts, inquiries. 
Address : Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box Accounts : Credit cards and credit lines XXXX Under dispute Date opened XX/XX/XXXX Balance {$4100.00} Status Open/Never late XXXX 

XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$58.00}, XXXX written off. {$57.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$57000.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$83.00} Status Open. {$16.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 


Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$100.00} written off. 
Status updated XX/XX/XXXXXXXX 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