vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Request for Assistance Inaccurate Reporting of Late Payment During Declared Disaster Forbearance Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding the mishandling of my mortgage forbearance request and the inaccurate reporting of a late payment. 

On XX/XX/year>, my property located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, suffered extensive damage due to high winds and fallen trees. The area was later officially declared a disaster zone by XXXX. I contacted Shellpoint on XX/XX/year>, to inform them of the damage and to ask whether it was possible to pause my loan payments while I addressed the repairs. At that point, I was financially able to make my XXXX payment but was advised by Shellpoint representatives that I could enter a forbearance period and that I would not need to make the XX/XX/year> payment. 



On XX/XX/year>, I received a formal letter from Shellpoint confirming that my loan had been placed in forbearance. I relied on their verbal and written assurances that XXXX payment was not required. I also did not receive any billing notice for XXXX. 



However, in XX/XX/year>, I discovered that Shellpoint had reported a late payment for XXXX to the credit bureaus. Its now XXXX was past 30 days from initial request to remove. I immediately contacted them to dispute the reporting. Initially, I was told it would be corrected, but after sending a follow-up letter, I received a written response from Shellpoint stating that the reporting was accurate. This is simply not true, given the forbearance was confirmed on XX/XX/XXXX and I was explicitly told by their representatives that payment for XXXX was not required. 

Despite multiple attempts to resolve this directly with Shellpoint, the inaccurate late payment remains on my credit report. This reporting is not only misleading but also harmful, especially considering my timely efforts, the declared natural disaster, and my reliance on XXXX guidance. 

I respectfully request the CFPB investigate this matter and assist in having the XX/XX/year> late payment removed from my credit history. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Loan Number : XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Demand for Wet Signature Verification & Immediate Removal of Unauthorized Entries Dear CFPB, Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), I formally dispute the following inquiries and accounts appearing on my credit reports. Each entry requires wet signature validation as no lawful authorization exists for these items : I. UNAUTHORIZED INQUIRY DEMANDING SIGNATURE PROOF XXXX ( Inquiry : XX/XX/year> ) No signed application exists II. INACCURATE ACCOUNTS REQUIRING VALIDATION/REMOVAL Creditor Account Number Dispute Reason 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 [ partial ] | Balance/charge-off incorrect ; resolved | Legal Violations : FCRA 1681b ( a ) ( 3 ) ( A ) : Lack of permissible purpose Regulation B ( ECOA ) : Missing signed applications FCRA 1681i : Failure to properly investigate DEMANDED ACTIONS Produce wet signatures for all disputed items within 15 days Immediately delete all entries lacking validation Provide sworn affidavits confirming deletion Investigate FCRA violations by reporting entities LEGAL CONSEQUENCES Non-compliance will result in : Statutory damages ( $ 1,000+/violation under 1681n ) Civil action in [ Your State ] District Court Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I submitted a formal dispute on XX/XX/year>, requesting verification under FCRA 609. No documentation was provided.

Under FCRA 611, unverifiable information must be removed within XXXX days. 
This XXXX loan remains on my report without legal proof, negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Equifax was given a copy of the letter from XXXX XXXX XXXXXXXX stating my account was closed and charged off on XX/XX/2020. My credit report shows XX/XX/2020, Ive repeatedly disputed this account because of its basically fraudulent ways during XXXX and the cares act. XXXX years I had this account never missed a payment last payment was made XX/XX/2020 as documented yet they close the account XXXX months later according to my credit report and even though I told them I would pay them when I got paid and this is what happens which has nothing to do with equifax but the information shown about the timing of account closing has been wrong for better part of XXXX  years and Ive disputed this over the last XXXX years repeatedly yet it stays the same even after being shown what XXXX XXXX XXXXXXXX gave me and the monthly statements were also sent to equifax no where in any of them did it say account closed for lack of payment nothing yet here we are. And they still refuse to remove it for its inaccuracy this many years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: NC

Complaint narrative:
b'I was going through switching jobs XXXX license get them renewed had to make appointment several months to obtain\nxxxxxxxxxxxxxxxx XXXX account  XXXX XXXX XXXX reporting multiple different dates  XXXX XXXX XXXX XXXX also paid as agreed  number  payment XXXX verified did not show me any documentation consumer did not provide any documentation to me I wrote many letters trying to get it removed the items on my credit report Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under XXXX XXXX XXXX XXXX, you must complete this State Employees Credit Union send Last payment date\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date misleading inaccuracy payment dates harming my credit all three bureaus had different dates multiple accounts payments paid as agreed around the covid-19, within XXXX days of receipt of this letter. Deferred credit Act in the Care Act when the government extend payments to all Americans affected with during that time I have multiple accounts during XXXX XXXX that year. XXXX XXXX 534636XXXXXXXXXX. Was not a write-off I paid in full it was closed before then they reported it XXXX XXXX XXXXinquiries,  none of my knowledge multiple inquiries in the same day back to back harming my credit hurt me for finances with late payments charge off been paid before getting close and they reported over again put it right back on my credit report over and been denied for credit credit cards bank loannear future, I am planning  to applying for credit and  my attention that  missed  late payment(s) on my credit reports could hurt my ability to qualify.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 XXXXXXXX I was financing a car through XXXX XXXX and only agreed to run credit through the XXXX XXXX XXXX XXXX. I did not authorize any of these other companies, nor did I sign a form to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally finance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was financing a car through XXXX XXXX and only agreed to run credit through the XXXX XXXX XXXX XXXX. I did not authorize any of these other companies, nor did I sign a form to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information Under the FCRA To Whom It May Concern, I am writing to formally dispute incorrect personal identification information currently appearing on my Equifax credit report. This letter serves as my official request under the Fair Credit Reporting Act ( FCRA ) 611 to investigate and correct or delete inaccurate information.

The inaccurate data on my file could negatively impact my credit profile and does not reflect my true personal identifiers. I am requesting that this data be thoroughly investigated and updated according to the Metro 2 Format reporting standards to ensure full compliance and consistency.

The following items are incorrect and need to be removed or corrected : 1. Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Name : XXXX XXXX XXXX These errors may cause confusion or misidentification, and I believe they may be the result of mixed or outdated data. The FCRA requires Equifax to maintain accurate and verifiable personal information. Please take the necessary steps to remove or correct the inaccurate information and confirm the Enclosed Supporting Documents : A copy of my government- United States ID A recent bill statement to verify my current address Any applicable documents verifying my correct name and/or employer Please complete your investigation and update my credit file within the 30-day period as required by law. Once completed, kindly send me a confirmation letter and an updated copy of my credit report reflecting the corrections.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I got a {$400.00} loan from CheckSmart  in XXXX XXXX  I was not able to make the payments on the date they set up and they have called many times while I'm at work at least 9 times within the last 6 days some of the numbers they have called from show up on my phone as potential scam but I did answer one of their calls and stated that I am at work and very busy and they continue to call daily multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-05-22 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Was trading on Robinhood and was purchasing XXXX ( cryptocurrency ). Account gets restricted by Robinhood and I am unable to use the funds anymore. These funds were deposited to my Robinhood account through my bank account. I have bills to pay and they are currently withholding exactly {$5700.00} from me and I'm unable to withdraw this amount to my bank. Ten days ago they asked me to verify my ID and bank documents and I immediately uploaded everything necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
This affidavit is submitted to request intervention regarding a security freeze on my consumer report. 


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