vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-24 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: FL

Complaint narrative:
I respectfully submit this letter as formal notice disputing the accounts identified. I am not affiliated with them and did not permit their establishment. I request a full review and deletion. Supporting records are provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
b'On XXXX XXXX  I got two alerts that Regional acceptance Corporation pulled my credit report without my permission'

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 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Escrow being overcharged. XXXX XX/XX/XXXX payment, the County real estate tax bill for XXXX was paid in full. The bill is normally semi-annual ( paid in XXXX and XXXX of the tax year ). However, this year the taxes were billed annually. Despite full payment, the escrow analysis statement generated in XX/XX/XXXX indicated a scheduled tax payment for XX/XX/XXXX in the amount of {$5400.00} and includes this amount in the escrow projections which raises the monthly mortgage payment substantially higher. Despite countless emails and telephone calls showing proof of this discrepancy, Lakeview refuses to adjust the escrow amount to reflect that the county taxes have been paid in full for the tax year XXXX. The current escrow analysis should not include any tax disbursements until XX/XX/XXXX when the first installment is due for tax year 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 2025-11-24 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: NY

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report, specifically the incorrect previous addresses that are being reported. These addresses do not belong to me, and their presence has caused issues with my credit applications, which has been extremely frustrating.

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 2025-11-24 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: FL

Complaint narrative:
In XXXX XXXX, Capital One flagged a {$240.00} charge from XXXX as suspicious and initially removed it after I reported it as fraud. However, XXXX days later the same unauthorized {$240.00} charge was processed again despite my prior fraud report.

I submitted multiple disputes through Capital Ones dispute system, providing all information and evidence requested by their representatives. The dispute history and case timeline are visible inside my Capital One account. 

I contacted XXXX directly to request proof of any valid subscription or consent for recurring billing, and they were unable to provide any documentation showing that I authorized or agreed to ongoing charges. 

This situation has been ongoing since XX/XX/year>, and despite repeated attempts to resolve this with Capital One, the unauthorized charge remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The XXXXXXXX XXXX XXXX is from XXXX it's Been 9 years and needs to be removed from my XXXX XXXX XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank ( USA ), N.A. 
RE : Formal Demand for IRS Form 1099-C Multiple Charged-Off Accounts Accounts : XXXX {$710.00} charged off XXXX {$870.00} charged off XXXX {$1300.00} charged off To Whom It May Concern : This letter serves as a formal demand for the immediate issuance of IRS Forms 1099-C for the above-referenced Capital One accounts. Your reporting shows that each of these accounts was charged off, with written-off amounts exceeding the IRS reporting threshold.

Under 26 U.S.C. 6050P, any creditor that cancels, forgives, or writes off {$600.00} or more of indebtedness is required to file Form 1099-C unless the creditor can produce documented proof that the debt remains legally enforceable and has not been cancelled, abandoned, or otherwise discharged.

Because these accounts have each been reported as charged off, this constitutes an IRS-recognized identifiable event. You are therefore required to take one of the following actions within 15 days : 1. Issue IRS Form 1099-C for each charged-off account listed above ; OR 2. Provide full documentation demonstrating that the debts remain legally collectible, including : - Evidence of continued collection activity - Proof of current ownership - Complete accounting ledgers showing the debts have not been discharged - Verification that no cancellation event has occurred Failure to comply will be treated as confirmation that Capital One has cancelled or abandoned collection, requiring immediate IRS reporting. 
-- -- -- -- -- -- -- -- -- -- -- -- - CASE LAW SUPPORT SECTION -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX A creditors actions showing that a debt is no longer collectible may constitute a cancellation of indebtedness requiring IRS reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX charge-off is recognized as an identifiable event that may require Form 1099-C. 
In re XXXX XXXX XXXX is considered evidence of cancellation or abandonment of a debt. 
In re Washington Charge-offs constitute identifiable events under IRS reporting rules. 
In re XXXX Charge-off combined with lack of collection activity indicates cancellation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX must maintain clarity and transparency in the enforcement and reporting of debt. 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX must provide documentation supporting the legal enforceability of any claimed balance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditors may not supply misleading or incomplete information related to debt reporting. 
XXXXXXXX XXXX XXXX XXXX Inaccurate, unverified, or improperly substantiated reporting may violate FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My Venmo account was permanently deactivated on XX/XX/year> without a clear explanation. The closure email only stated that there were several concerns regarding my activity, but did not specify what part of the User Agreement or Acceptable Use Policy I allegedly violated. They also sent an identity verification email to which I uploaded my valid documents and they never responded. I have never engaged in fraudulent or prohibited activity, and I relied on this account for personal transactions only. I contacted Venmo support to request clarification or appeal options, but their final response stated that they would not answer further inquiries and that the matter was closed. I am requesting ( 1 ) a specific explanation or documentation of the reason for the closure, and ( 2 ) confirmation and release of any remaining balance or funds associated with my account. Specifically my cashback rewards from use of the Venmo credit card as well. I have contacted them on separate occasions by phone and email. I understand Venmo has the right to close accounts, but I believe consumers deserve a clear explanation of what triggered the decision, especially when no opportunity for review or appeal is offered. 

I then filed a CFPB complaint and followed their advice on trying to get my rewards funds that I am owed, which is totaling to {$840.00} from the Venmo credit card I have. These funds are owed to me and I have contacted both Venmo and Synchrony to no avail. They continually transfer me to one another 's services and have offered no help to the money I am owed.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am reporting organized felony fraud committed by Shellpoint Mortgage Servicing against the Consumer Financial Protection Bureau. 
Between XX/XX/year> and XX/XX/year> I filed fifteen separate, detailed complaints about Shellpoints repeated RESPA/Regulation X violations ( no Single Point of Contact, fake incomplete denials despite their own written complete package letters from XXXX unmailed notices, runaround, refusal to process payments, and advancing foreclosure on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 
Today, XX/XX/year>, every single one of the fifteen complaints was closed with the exact same three-paragraph, word-for-word identical response dated XX/XX/year> including complaints that have been open for 49 days. 
See attached XXXX and screenshots proving : 15 different filing dates ( XX/XX/XXXX through XX/XX/year> ) XXXX 100 % identical fake responses issued on the same day This is impossible unless Shellpoint is running an automated fraud factory that mass-closes CFPB complaints without ever reading them, listening to my audio recordings, or reviewing a single attachment. 
Shellpoint is deliberately making false statements to a federal agency in violation of 18 U.S.C. 1001 a felony punishable by up to 5 years in prison and {$250000.00} fine. 
I have wasted hundreds of hours filing legitimate complaints with evidence, only to have them closed with a mass-produced lie. 
This destroys the entire CFPB complaint system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-24 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: FL

Complaint narrative:
In XXXX of XXXX  north Florida was hit with a hurricane. Roads were blocked my property was damaged. I called my lending company shellpoint newrez. Asked for a 60 to 90 day deferment so the time out of work wasn't anymore stressful than it already was. The person I talked with agreed I was within the disaster zone and I would be granted the deferment. Fast forward 2 months they send me notices saying I was about to be in foreclosure. For months and months calling and contacting them. sometimes 4 times in a month, they finally agreed to a deferments again and my payment arrangements were correct again. I have payed everything on time and was within my agreement to only miss 2 payments no more than I actually needed. due to being unable to drive to work and cleaning up my property. Yet they still see all the records of me calling and checking on my status of my heloc and its still on my credit effecting my options for loans to replace the building that was destroyed in the hurricane!

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this letter to dispute the following charged-off accounts listed on my TransUnion credit report. I believe these entries are not accurate, and I respectfully request that they be investigated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I took out and paid in full a student loan through XXXX XXXX XXXX XXXX Launch Servicing LLC to pay for Devslopes, a computer coding program. I was rushed to complete the loan application by a XXXX employee, who completely misrepresented the program offerings, including services such as mentorship, career growth opportunities, and promised support. Mentors were frequently changing, making guidance inconsistent and hard to get. I experienced unfair and dishonest practices throughout my time as a student. XXXX has since ceased operations, and has not yet offered refunds or any further information regarding their failure to provide-in-full the services as outlined in Service Agreement. I am requesting a refund of my XXXX XXXX XXXX and an investigation into the unethical and misleading practices by XXXX. I have submitted a claim with the lender to initate the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

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 2025-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-24 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: Experian Information Solutions Inc.
State: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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