vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint against Shellpoint Mortgage Servicing due to fraudulent debt collection practices, misrepresentation of my loan terms, and predatory lending tactics that have resulted in financial and emotional distress. 

Background of My Mortgage I originally purchased my home in XXXX and made regular mortgage payments without issue. 
In XXXX, I refinanced my home through a different lender. 
In XXXX, I was contacted by Shellpoint Debt Service Collection, claiming I had not made a single payment on a second mortgage since XXXX and that they intended to foreclose on my home. 
At first, I believed this was a scam, as I had no knowledge of this second mortgage and had never received any prior notices or payment demands. 
Issue with Loan Modification & Misrepresentation In XXXX, under pressure to save my home, I agreed to a loan modification with Shellpoint, despite their failure to provide a validated promissory note proving I owed the debt. 
Since then, Shellpoint has continued to alter my loan terms, including : Increasing my interest rate without proper justification. 
Raising my monthly payments beyond what was originally agreed upon. 
Failing to provide proper documentation on how my payments are being applied. 
Making inconsistent claims about the validity of the debt. 
Unfair and Deceptive Practices Shellpoints actions violate multiple consumer protection laws, including : The Fair Debt Collection Practices Act ( FDCPA ) Failing to provide debt validation and using intimidation tactics. 
The Real Estate Settlement Procedures Act ( RESPA ) Failure to properly disclose loan terms and account for payments. 
The Truth in Lending Act ( TILA ) Changing loan terms without proper disclosure.

Requested Resolution I am requesting that the CFPB investigate Shellpoint Mortgage Servicing for deceptive and unfair practices. Specifically, I demand : Full validation of this debt, including the original promissory note proving I legally owe this loan. 
A thorough review of Shellpoints loan modification process to determine if fraud or predatory lending was involved.

An immediate correction of any unlawful charges, interest rate hikes, and payment increases.

A halt to any foreclosure actions until this matter is resolved.

I have attached all relevant documentation, including payment records, correspondence with Shellpoint, and loan modification agreements. 

This situation has caused me extreme financial hardship and emotional distress. I urge the CFPB to take immediate action against Shellpoint to prevent further harm to consumers facing similar deceptive practices. 

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OFG BANCORP
State: PR

Complaint narrative:
Disputing an incorrect information sent by the bank and the bank is not willing to correct it without me paying them when the loan was closed out and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After Citibank closing my account they are holding my funds for 60 days. also i asked them for specifications about what I did or what policy I violated and they just sent me a letter and kept telling me over the phone and at the branch that the reason why they closed the accounts is because they deserve the right to close my accounts. well so be it! I get it! but just how the just close my account they should send my money right away. not in 60 days! how come their possess to close the accounts is hours but sending my money is 60 days? i requested specifics on what i violated, or what i did wrong so that i can fix it or not do it again. I also requested a copy of a document where it reads that I conceit for them to hold my money for 60 days or 30, a month or 2 months still a very long time!

they are affecting my life by holding that money that can be use for bills and other expenses. why would they do that? it doesn't make sense. I need proof that i singed a document where i say its okay for Citibank to hold my money for that long if they close my accounts for any reason. I refuse for them to hold my money that long! I need this fixed asap!

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX collections creditacpt XX/XX/XXXX XXXX collections

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/XXXX collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information. Below, I have outlined the specific discrepancies I have identified and request immediate correction. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Inaccuracy : I noticed that the balance amounts reported by TransUnion and Experian are inconsistent. TransUnion reports a balance of {$12000.00}, while Experian reports a balance of {$10000.00}. This discrepancy raises concerns regarding the accuracy of the data being reported.

Additionally, the " Date of Last Payment '' is inconsistent between the XXXX reports : XXXX reports XX/XX/XXXX. 
Experian reports XX/XX/XXXX. 

These inconsistencies are factual errors and must be corrected to reflect accurate financial information. 

I kindly request that you investigate these discrepancies and correct the inaccurate information. Please provide written confirmation once these errors have been rectified. 

As per the FCRA, I expect a response within 30 days of receipt of this letter. If the disputed information can not be verified, it must be removed from my credit report. 

Thank you for your time and prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken to correct these inaccuracies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX XXXX I expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX XXXX I expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

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 2025-02-03 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I withdrew XXXX $ from an international ATM which was a Chase bank ATM. The transaction went through, and the amount was deducted from my XXXX account which is a XXXX XX/XX/XXXX, but the ATM did not dispense the cash. It only printed a receipt with an error. My bank advised me to file a dispute since the card was XXXX, but the ATM was from Chase but chase claimed that the money was dispensed and their records state that even though the atm gave me a receipt which confirms that the money was taken out of my account but cash was never dispensed. It all happened at XXXXXX/XX/XXXX XXXX.2025 ( PST ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I got a loan from XXXX XXXX around XXXX of 2024 for {$800.00}. They were taking out {$150.00} biweekly from my account and I was told today that I still owed {$920.00} when that was more than the initial loan. When I checked last week the payoff was {$810.00}. I called and was told I am being charged {$10.00} interest everyday that I dont pay, but have never missed any payments since acquiring this loan. This is totally unacceptable, I was told that I still had 21 payments left and I dont believe thats true, I believe they will still try to add on more interest and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year>2019 2019

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 2025-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
Check Into Cash I had a return check that was payment. I was contacted on XX/XX/XXXX by XXXX about the outstanding bill of {$870.00} with fees. I made payment arrangements. Paid it off XX/XX/XXXX. I have the document of paid in full. I was contacted by the law offices of XXXX XXXX XXXX XXXX XXXX XXXX in regards to this matter, threatening to take me to court. I sent the copy of of document to XXXX they said that was acceptable. My daughters recieved voicemails on their phones today ( XX/XX/XXXX ) for me with the same message to contact XXXX with the same information and law firm. This time from XXXX. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief