vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Despite multiple confirmations from Shellpoint representatives beginning in XX/XX/XXXX, Shellpoint failed to pay my property tax installment due on XX/XX/XXXX, using the funds held in my escrow account. As a result of this inaction, I received a Notice of Property Tax Delinquency dated XX/XX/XXXX from the XXXX XXXX Treasurer-Tax Collecto

r and was assessed a late penalty of {$650.00}. Rather than accepting responsibility, Shellpoint withdrew the penalty amount from my escrow account, contrary to the disclosures in the Loan Estimate and violating the Real Estate Settlement Procedures Act ( RESPA ). This breach represents a failure of the mortgage servicer to act with due care, competence, and fiduciary responsibility. 
To further exacerbate the situation, Shellpoint processed an unjustified tax payment of {$7900.00}, which does not correspond to any issued tax bill. Shellpoint later credited only {$7100.00} back to my escrow account, resulting in a shortfall of {$740.00}, which remains unrefunded. 
When I contacted Shellpoint again on XXXX XX/XX/XXXX, I was informed that the second installment of my property taxes, also due on that day, had not been paid. I advised Shellpoint that I would pay the taxes myself and have attached the official payment receipt as confirmation. 
Shellpoint has yet to take any corrective action. On XX/XX/XXXX, I was notified that Shellpoint requires additional time to address the matter " due to the complex nature of the issue. '' This further confirms that Shellpoint can not adequately manage my escrow account. 
Summary of Violations : 1. Failure to pay property taxes from escrow by the required deadline 2. Improper withdrawal of late fees from escrow funds 3. Issuance of an incorrect tax payment amount 4. Failure to refund the full overpayment 5. Repeated failure to meet escrow obligations in a timely and accurate manner Shellpoint 's actions have caused measurable financial harm, required me to assume responsibility for payments they were contractually obligated to manage, and have demonstrated a sustained pattern of negligence and non-responsiveness. These actions potentially constitute violations of RESPA and relevant provisions of the California Financial Code, and I respectfully request regulatory oversight.

Requested Remedies : 1. A full refund of {$1300.00}, which consists of the {$740.00} refund shortfall and the {$650.00} penalty that was improperly charged to my escrow account 2. A formal investigation into Shell point 's escrow servicing practices 3. Enforcement action to prevent similar misconduct and to ensure future compliance with federal and state servicing standards

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 2025-05-14 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear American Express Customer Advocate Services Team, I am writing in response to your letter dated XX/XX/XXXX, regarding my recent inquiry to the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of my account. 
After reviewing your response and the supporting documents, I respectfully disagree with your findings for the following reasons : XXXX. Dispute of Past Due Reporting : You stated that my account was reported as 30 days past due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, although I was enrolled in the Financial Relief Program ( FRP ) on XX/XX/XXXX. However, the reporting methodology used does not accurately reflect the agreements and protections typically afforded to customers under hardship or relief programs. I was led to believe that upon enrollment, the reporting status would be adjusted in good faith to reflect participation in the program, mitigating derogatory reporting.

2. Request for Goodwill Adjustment : Given that I proactively enrolled in your Financial Relief Program and have made consistent efforts to honor my obligations, I respectfully request a goodwill adjustment to remove the 30-day late mark from my credit file. The circumstances leading to the enrollment were beyond my control, and I have since demonstrated my commitment by maintaining a satisfactory account status as of XX/XX/XXXX. 
3. Credit Reporting Fairness and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to expect the most accurate and complete information reported. Considering my engagement with your hardship program and my subsequent payment behavior, I believe maintaining a derogatory mark does not accurately reflect the positive direction of my account.

Therefore, I am respectfully requesting that American Express reconsider and remove the 30-day late reporting from my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ) as a gesture of goodwill and acknowledgment of my continued effort to meet my obligations. 
Please confirm receipt of this letter and inform me of your decision. I appreciate your time and reconsideration of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiry must be removed immediately : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 XXXX 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 inaccurate.

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 2025-05-14 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: AZ

Complaint narrative:
I respectfully request the prompt blocking and removal of the unauthorized accounts currently listed on my credit report. I did not authorize or initiate these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within XXXX days. The enclosed documentation is provided for your thorough review. Please also note that the account information reported to each bureau is inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-05-14 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I previously disputed a XXXX XXXX Bank account that was settled and closed on XX/XX/XXXX. Despite the balance being reduced to {$0.00} and marked as Settled-less than full balance, the account continues to report a charge-off status, XXXX days late, and negative payment history into XXXX long after it was resolved. 

The credit report also states Paid profit and loss and Account information disputed by consumer, yet I have never received documentation confirming the resolution or validation of the disputed information. 

This reporting is misleading, incomplete, and noncompliant with both the Fair Credit Reporting Act ( FCRA 1681i ) and Metro 2 data reporting standards, which require that closed and settled accounts not be reported in a manner that implies ongoing delinquency or active derogatory status.

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 2025-05-14 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:
As I was uninformed of them, these inquires appeared to be unauthorized and could be an indication of fraud. Please act quickly to resolve this problem. For reference, supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-14 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I purchased a car from XXXX XXXX and financed it through Santander. The car was worth around XXXX, and I put down XXXX. I was given a XXXX loan with XXXX monthly payments, totaling over XXXX - almost double the car 's value. I was not fully informed about the long-term cost and did not understand the financial impact at the time. 

I paid most of the loan, but in XX/XX/XXXX, Santander charged off the account and listed it as a profit and loss write-off. They also repossessed the car from an address that was never on file. Now the loan is marked as a charge-off in collections on my credit, despite the fact that I paid majority of it. 

I believe I was misled into a predatory loan and want this investigated. I'm asking that the negative reporting be removed or updated to show the account was paid in good faith, and that both Santander and the dealership be held accountable for their role in the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I am permanently XXXX and currently recognized by the Social Security XXXX as such. I have been trying to resolve a private student loan originally issued by XXXX XXXX and now serviced by Firstmark Services. 

Due to long-term financial hardship and XXXX, I made a good-faith offer to settle the loan for a lump sum of {$10000.00} a significant amount given my situation on a balance that has grown to {$55000.00} due to interest. My intent was to reach a resolution that reflects my inability to pay the full balance while still honoring the debt in part. 

Firstmark Services responded that they are unable to negotiate or settle the debt, citing federal laws, regulations, and the promissory note. However, this is a XXXX XXXX XXXX, not a XXXX XXXX and I believe they are using misleading and incorrect explanations to deny settlement. 

They stated that the lender does not offer settlement on private student loans, which appears to be a blanket policy, not XXXX based on an evaluation of my individual hardship or legal limits. 

I am requesting that the CFPB review this issue, as the servicer is unwilling to provide a fair process for hardship-based resolution, even when a borrower is permanently XXXX and willing to pay what they reasonably can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/year> - {$1200.00}

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting my sworn affidavit package which includes XXXX fully verified declarations and a final demand to cure. JPMorgan Chase is now in administrative default for repeated violations of federal banking laws, civil rights statutes, and consumer protections. 

I respectfully request immediate regulatory enforcement under the Consumer Financial Protection Act, False Claims Act, and relevant federal codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 XXXX 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 inaccurate.

Company response to consumer: Closed with non-monetary relief