vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Resurgent Capital Services ( DBA NewRes, Shellpoint ) has refused to allocate an over-payment to principal only. At the end of XXXX, I called Shellpoint and gave notice that at the beginning of XXXX I would be sending two payments : XXXX ) the XXXXdue mortgage payment and 2 ) a second payment to be applied to principal only. Shellpoint stated they placed a note on my account so that the two XXXX payments would be applied as I requested. On XX/XX/XXXX, the XXXX mortgage payment was processed with my bank. On XX/XX/XXXX, the XXXX over payment check, which included " apply to principal only '' in the memo, was processed with my bank. Between XX/XX/XXXX and XXXX, I called Shellpoint to verify correct allocation of the XXXX payments. Shellpoint ignored the account notes and the check memo and incorrectly applied the second payment as a future mortgage payment, I requested the allocate the funds as requested again and was told they would send me payment history after they corrected the mistake. On XX/XX/XXXX, I received my account payment history through the mail, the issue was not corrected, I verified the online Shellpoint self-service account showed incorrect allocation of the payments. On XX/XX/XXXX, I called Shellpoint and received the same generic statements that they would be forwarding the issue to their servicing department, which are not allowed to talk to account holders, to rectify the issue. So in effect, Shellpoint was asked in XXXX phone calls and in the check memo to apply the XX/XX/XXXX processed check to principal only, and they have refused to do so. There has never been a missed payment on this account, and Shellpoint has routinely ignored principal only payment allocations on over payments.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
The edfinacial hit my credit stating my payments were 90-119 days late dropping my credit over XXXX points. The credit bureau is showing my payments as Open/Never late and green check marks from XXXX. I did not receive a call informing me of a 30,60, or 90 day late notice. I have made a payment since being out of forbearance and is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
XXXX created an account for me when I first moved into to my apartment as they were offering free internet. No guidance or information was provided for the free internet account. I was not aware of the account until it went into collections 3 months after I moved in. The current debt collector keeps reporting on my account through XXXX however the original amount was charged off almost a year ago but the account keeps going to new collection agencies and reporting that it is a new debt which it is not and was illegal created for me. I want it removed and to be paid for damages to my credit reporting as it is hindering me from receiving housing. I didnt not authorize them to make the account as it came with my apartment for free. The bills provided through the debt collection agency also have the wrong information as the address in the statement is not the correct address and is not the address where services were supposed to be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I had to freeze my credit with all three bureaus a year ago due to a data breach that put my Social Security number out on the dark web. My wife and I decided to purchase a new vehicle on XX/XX/XXXX, XXXX when I tried to unfreeze TransUnion XXXX there was difficulty. The difficulty is that somehow, due to a system glitch, I have three credit files on me, which means quadruple data. I've been trying to get a hold of these people, but on the XXXX of XXXX, they sent it to special handling for them to consolidate and create one file. I was to hear back in three to five days. It is now day XXXX. Every time I try to get a hold of them, I either get no answer from the people or I have to chat. Since there are three files, they don't know what they're doing or can't even understand the issue when they look at the data. My credit score between the other two credit bureaus is approximately XXXX points apart from TransUnion. It's like XXXX points XXXX files on me. 
I can not use their app, I can not log online to do anything because none of their systems can interpret the fact that I have three credit files, and no one can tell me what is going on. They are the worst possible credit Bureau that we have out there. On top of that, the banks go to them because they always have the lowest credit score. That way, the banks make more money.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, or XXXX, my husband and I inquired through Rocket mortgage, by chat information, we wanted only information she requested our SS and I proceeded to ask her that we did not want our credit pulled and they proceeded to tell us that this would not affect our credit, it was a soft pull, come to realize that they proceeded to apply for a loan under my husbands name, so had given both SS to them, they said it would be better if it was just under my husband, but we never accepted for them to apply for a loan, today we received a letter of denial for a loan That we did not agree to, this was all through chat with the company requesting information, we did not accept for any of this nor did they implied or stated to us that a loan was being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
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 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2025-04-15 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: FL

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt.

Account Information : Creditor/Furnisher Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX/2024 , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2024 , XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions. 
Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages.

I expect a written response within 5 days confirming the removal of this account from 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 2025-04-15 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: FL

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt.

Account Information : Creditor/Furnisher Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX/2024 , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2024 , XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions. 
Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages.

I expect a written response within 5 days confirming the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NerdWallet, Inc.
State: MA

Complaint narrative:
I opened an account with XXXX over a week ago. I entered all of my personal financial information for their app to track. Since then I have not been able to log into my account. I receive an Email Blocked error. I have emailed their customer support numerous times and only received on useless canned copied and pasted reply closing my support ticket. They offer no way to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Certainly! Here 's the updated dispute letter, explicitly stating that the account is a collection account : -- - * * [ Your Full Name ] * * [ Your Address ] [ City, State, ZIP Code ] [ Date ] * * * * Subject : * * Identity Theft Dispute for Collection Account XXXX XXXXXXXX Dear [ XXXX ], I am writing to formally dispute the inclusion of a collection account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. This collection account is fraudulent and was opened as a result of identity theft. I request that you investigate this matter and remove the account from my credit report immediately, as required by law. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. Additionally, the * * Fair and Accurate Credit Transactions Act ( FACTA ) * * provides me with the right to dispute and correct inaccuracies on my credit report. 

To support my claim, I have enclosed the following documents : XXXX. A copy of my government-issued ID. 
XXXX. A copy of my FTC Identity Theft Report ( or police report, if applicable ). 
XXXX. A copy of my credit report with the fraudulent collection account highlighted. 

Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the collection account is indeed fraudulent, I request that you notify XXXX XXXX XXXX to cease reporting this account to your agency. 

I also request written confirmation once the collection account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [

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 2025-04-15 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX I had purchased XXXX dollars and started paying immediately an amount of XXXX XXXX dollars, but I noticed that I had sent them extra XXXX dollars. I called them when I noticed and asked them if they can send back the XXXX dollar or can they put it toward the XXXX payment. Well they decided to mail me a check I cashed it and paid XXXX XXXX XXXX XXXX dollars. But some how they are stating that I owe them XXXX dollars and I know that I do not owe them anything, because I been in care credit for a long time and never this has happened and always pay on time. Please help, thank you!

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 2025-04-15 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-04-15 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation