vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am experiencing significant issues with Shellpoint Mortgage Servicing regarding my loan ( # XXXX, property at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and the upcoming foreclosure sale scheduled for XX/XX/year>. Despite my efforts to engage in loss mitigation and comply with legal requirements, Shellpoints actions suggest intentional delays and non-compliance with federal and state laws. 
On XX/XX/year>, I submitted a Notice of Error ( NOE ) and Qualified Written Request ( QWR ) demanding documents and foreclosure suspension due to my hardship ( job loss, {$1300.00} monthly XXXX, wifes temporary business decline ). Shellpoint failed to acknowledge this within 5 business days ( by XX/XX/XXXX ) or respond substantively within XXXX business days ( by XX/XX/XXXX ), violating RESPA 12 CFR 1024.35. On XX/XX/year>, my application was deemed complete, with an acknowledgment letter dated XX/XX/year>, granting foreclosure protectionyet the sale date persists. 
I called Shellpoint and received recorded confirmation that XXXX XXXX was assigned as my Single Point of Contact ( SPOC ) to handle my case. However, when I emailed her on XX/XX/year>, at XXXXXXXX XXXX to confirm, she replied at XXXXXXXX XXXX denying she is my SPOC and stating no representative is assigned, contradicting the recording. This violates RESPA 1024.40 and California Civil Code 2923.7, which mandate a dedicated SPOC. Her earlier email on XX/XX/year>, also instructed me not to contact her unless reassigned, further complicating communication. 
Additionally, XXXX XXXX XXXX, Shellpoints attorney, confirmed on XX/XX/year>, that my settlement offer was rejected and directed all inquiries to his office, yet Shellpoint has not resolved my NOE/QWR or provided a new SPOC. The lack of coordination, combined with the looming sale date, suggests Shellpoint is running out the clock to avoid mitigation, a potential dual-tracking violation under RESPA 1024.41 and Cal. Civ. Code 2923.6.

Ive sent certified letters and followed up diligently, but responses are evasive or nonexistent. This pattern of inconsistent SPOC assignments, ignored requests, and failure to halt the sale despite legal protections is causing me financial and emotional distress. I demand Shellpoint assign a proper SPOC, respond to my NOE/QWR, and postpone the XX/XX/XXXX sale until my application is fully evaluated. Please investigate and enforce compliance with consumer protection laws.

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 2025-10-21 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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

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 2025-10-21 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I was misled into a fake job placement program by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and coached through a loan application with XXXX XXXX. I may have signed something under pressure, but I never knowingly agreed to a private student loan. I never received funds, never got a breakdown of services, and was denied a refund. XXXX XXXX has admitted that Launch Servicing LLC is the loan servicer and the entity reporting the tradeline to credit bureaus. Despite multiple complaints to XXXX, XXXX, and the Texas Attorney General, no one has provided the loan number, signed agreement, disbursement records, or chain of assignment. I am being held responsible for a debt tied to a fraudulent program. My credit score has dropped significantly, and XXXX  continues to verify this tradeline without documentation. This loan was originated through deception and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
I reviewed my credit report and found multiple inaccurate and future-dated addresses, duplicate name variations, and outdated employer information. 
These errors violate FCRA 607 ( b ) and have caused confusion in my file. I submitted a formal dispute to XXXX, XXXX, Equifax on XX/XX/year> requesting deletion of all incorrect personal information, but I have not received a proper correction. 
Please investigate and ensure my personal identifying information is accurate across all files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I am submitting this complaint regarding the handling of my mortgage loan modification application by PHH Mortgage. I submitted a complete and timely application in response to all documentation requests. 

My financial hardship began in XX/XX/XXXX, when I unexpectedly lost my job and fell behind on my mortgage payments. I did everything within my means to recoverfirst by securing part-time work in XX/XX/XXXX and later obtaining a full-time position in XX/XX/XXXX, working more than 40 hours per week.

Despite these improvements and my continued communication with the servicer, my loan modification application was denied on XX/XX/XXXX. The stated reason for denial was that my account had already received the maximum number of modifications allowed and did not meet the delinquency criteria for another review. I reached out to PHH Mortgage for clarification regarding this determination but have not received a substantive response to date. 

This decision has placed me in a very difficult position. I have worked diligently to rebuild my finances and now have a stable income and the ability to maintain my payments going forward. I am simply asking for a fair opportunity to keep my homewhere I have lived for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
My recent XXXX  report showed no Equifax file found. I am requesting that you locate or restore my credit file and ensure all information is current and accurate. 
Additionally, I wish to dispute potential inaccuracies in my XXXX XXXX account ( ending XXXX ), which may be reporting inconsistent payment history with other bureaus. Please verify that any data furnished on this account is accurate, complete, and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am submitting this formal complaint regarding multiple inaccuracies and violations on my credit reports that have not been properly investigated or corrected by the reporting agencies and furnishers. These errors are causing harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 604, 607, and 611.

1. Incorrect Personal Information The following addresses are being wrongfully reported on my credit file. I have never resided at or been associated with these addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX These addresses are false identifiers that do not belong to me and may indicate file commingling, identity confusion, or potential

fraudulent reporting. 2. Inaccurate Account Information The following accounts are reporting late payments and derogatory marks that are inaccurate, unverifiable, or reported in violation of FCRA Section 623. I am disputing these items as erroneous and damaging to my credit profile : XXXX XXXX ( Account No : XXXX * ) Date Opened : XX/XX/XXXX High Credit : {$4700.00} Incorrect Late XXXX XXXX XXXX XXXX  ( Account No : XXXX * ) Date Opened : XX/XX/XXXX High Credit : {$1900.00} Inaccurate Late Payment Reporting XXXX  ( Account Nos : XXXX * ) Multiple accounts opened between XXXX and XXXX with varying balances All reporting late payments inaccurately XXXX ( Account No : XXXX * ) Date Opened : XX/XX/XXXX High Credit : {$1800.00} Erroneous Late Payment I have no record of receiving proper billing notices or payment delinquency verification for these accounts. Therefore, under FCRA Section 611, I am requesting full reinvestigation and removal of these inaccurate late payment notations.

3. Unauthorized Credit Inquiry Additionally, the following inquiry appears without my authorization or permissible purpose under FCRA Section 604 ( a ) : XXXX  Dated XX/XX/XXXX I did not grant permission or provide any consent for this inquiry, and therefore it constitutes an unauthorized access to my consumer report.

Requested Action I respectfully request that the CFPB : Conduct a full investigation into the credit reporting agencies and furnishers for their failure to maintain accurate information. 

Instruct the credit bureaus ( XXXX, XXXX, and Equifax ) to permanently remove all inaccurate addresses, accounts, and unauthorized inquiries. 

Ensure compliance with the FCRA by requiring verification and proper documentation for each disputed item. 

Provide me with a written resolution detailing the steps taken and the outcome of this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Deposited a check from Internal Revenue Service XX/XX/year> of XXXX as a joint account holder. 
Account was still active once left the facility, stated money will be available next day, after all verification documentation was shown and approved. Close my account the next day of XX/XX/year>. I could not access money, Contacted every department as attended. It's XXXX XXXX account can't be accessed but still is shown on app. The credit mouth if what was deposited of that amount and plus interest every month from navy federal is still credited to account but can't be access and Internal Revenue Service making me pay it back and I never received the money from navy federal but is still getting penalized as of today with the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am formally disputing the accuracy and completeness of the above account appearing on my XXXXXXXX  credit file. The entry violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon notice of dispute, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 7 ) : Upon request, you must provide a written description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher you contacted.

Basis of Dispute The balance and account status are inconsistent with other bureau data.

No verifiable documentation has been provided proving ownership or authorization of this account. 
Dates of activity and last reporting differ across records. 
The information lacks sufficient identifying details and is therefore incomplete and unverifiable. 
As required under 1681i ( a ) ( 5 ) ( A ), please delete this item from my XXXX  file if you can not verify its accuracy and completeness.

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 2025-10-21 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
On XX/XX/2025, I mailed three separate dispute letters to Equifax via XXXX XXXX Mail with return receipts. All were delivered and signed for by an Equifax agent ( XXXX XXXX ). 

However, Equifax only responded to XXXX dispute ( regarding a XXXX XXXX account ). The other two disputes, related to XXXX  XXXX XXXX accounts # XXXX and # XXXX, were completely ignored and not investigated, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), which grants credit bureaus a 30-day period to complete investigations. 

As of today, more than 30 days have passed, and Equifax has neither investigated nor responded to these disputes. 

I demand the immediate deletion of both XXXX XXXX XXXXXXXX accounts from my credit report due to this failure to investigate within the timeframe required by federal law. I also request full documentation of the dispute history and the reason for this noncompliance. 

Attached is a letter I am also sending to Equifax 's legal department, including : -Equifax NonResponse XXXX Dispute XXXX -Copies of XXXX delivery receipts -Payment proof -Satisfaction letters -Equifax Report -My ID and proof of address This is a serious violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
XXXX was declined. Called in and told it was locked. Please unlock card as I have sent all documenation to XXXX but I have not received a confirmation email. 

XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation