vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
1 ) I have requested for a loan recasting request with my mortgage servicing company Shellpoint on XX/XX/XXXX. 
2 ) I was waiting for any process details regarding this but I was sent an email saying check my online account for recast letter, but I could not find any when I logged in there.

3 ) I did couple of follow ups after that for recasting process, I could not get clear details through any means.

4 ) On a follow up on XX/XX/XXXX, to my shock, I was told request was waiting on me!! After insisting that I never received any letter on recasting, I was sent the same as an attachment this time to my email. I was asked to pay {$250.00} recasting fee and any amount greater than XXXX towards principal to be considered for recasting request. 
XXXX ) So, I paid the {$250.00} recasting fee and $ XXXX towards principal on XX/XX/XXXX. I have asked them the next steps, the customer service rep on chat told me with in XXXX week, I will get a physical copy of recasting letter to my home, I will have to fill up the same, scan it, email it OR send it back after receiving which my new XXXX will be effective. 
6 ) I waited until XXXX, as I did not receive any letter- I followed up. Again, to my shock, I was told the request is then sent to an investor and is waiting for their approval/denial!! And that the next steps I was told on XX/XX/XXXX by that customer service rep are not correct and they apologize for misinformation!! Now I asked them what are the next steps, they say that I will just have to wait for the approval of investor. 
XXXX ) I followed up on XX/XX/XXXX, I was told the request is still waiting for approval of the investor - by XX/XX/XXXX it should be approved or denied. 
XXXX ) So, I had to pay higher XXXX on my payment date XX/XX/XXXX even though I paid XXXX towards my principal amount!! Had my recasting process completed by then, I could have paid much lesser XXXX!! 
XXXX ) I followed up on XX/XX/XXXX, I was told they have no update for me. They are not sure why the case did not move to next stage and is still waiting for Investor 's approval. They said they will escalate the case. 
XXXX ) I followed up on XX/XX/XXXX, now I am being told, there is no update still. The escalation is in place so there is nothing else they can do, no information they can provide me. I asked a question what are my next steps if my case remains in this status after couple more weeks. They had no answer to that question!! 
XXXX ) My next XXXX date is XX/XX/XXXX, and I want to make sure my XXXX amount gets revised as early 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 2025-05-20 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Experian credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

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 2025-05-20 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Experian credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was unable to get in contact with anybody. I literally was calling Cash app customer service for months and I got nowhere because I didnt speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I require assistance with several critical Cash App issues : approximately {$500.00} in unresolved disputes, the unexplained closure of my account, and complications with my Cash App settlement claim. My account was closed due to an unspecified Terms of Use violation, and I've been awaiting contact from an appeals team or supervisor for two months regarding this. Additionally, my settlement claim, submitted on XX/XX/year>, was flagged for incorrect information despite using details provided by cash App, and I've received no updates Or correspondence to my numerous inquiries. When I call in to check the status of a case with a case number of cash app representative has given me it is stated that they don't have access to view past cases they don't even know if I have disputes on file. When I asked to speak with the supervisor I am told that supervisors do not handle phone calls so they will reach out to me via email. As far as the dispute team goes as soon as I submit a dispute it will be denied as if they don't even take the time to open it let alone investigate it. I have been trying to get assistance with this issue since XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Deposited a check okay accident because it was an old check that I confused with a new one I was supposed to deposit. I called immediately to cancel the deposit and they said it was cancelled. Then XXXX days later I get an email saying my account is restricted until the check was returned to the original bank even though I was told the check deposit was cancelled. The check was for {$900.00} deposited on XX/XX/XXXX. Now we are XX/XX/XXXX the account is still restricted and I called today and was told I have to wait till the check is returned to the original bank till my account is unrestricted and was told I could go into the branch and pull out cash if needed, so I went to the branch and went to make a withdrawal from money I received from a direct deposit from my new job. Was told in the branch that the account was restricted and they cant do anything for me until the restriction is lifted, but when talking to a customer care representative XXXX on the phone I was told I could. I then called customer care again while in the branch and they said I could withdrawal money at the location as long as i had my ID, and debit card with me to prove my identity. Then the XXXX XXXXXXXX said it wasnt possible. Then the XXXX XXXXXXXX proceeds to tell me since the account has been restricted for XXXX business day it will automatically close my account on the XXXX business day and any money I have in my account wont be sent to me for up to XXXX business day in the mail in the form of a check. None of this was disclosed to me over the last XXXX weeks and I just keep getting the run around from regular branch workers to supervisors over the phone and in the branch. This is beyond ridiculous that something that is a simple fix cant be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Open Dealer Exchange, LLC
State: KY

Complaint narrative:
In XXXX XXXX, I visited a car dealership to inquire about auto financing. I authorized a single credit inquiry to check for loan approval. However, I later discovered that over 10 hard inquiries were submitted to various lenders within a very short timeframe all without my knowledge or proper disclosure. 

I was not informed that my information would be sent to multiple third-party lenders, nor did I sign individual authorizations for each inquiry. This kind of shotgun financing tactic is not only deceptive, but it also has a damaging impact on my credit profile. These inquiries were made without my full understanding or direct consent, which violates the FCRAs requirement for permissible purpose. 

I am requesting a full investigation and removal of all unauthorized or excessive inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
XX/XX/year> XXXX PM EST email XX/XX/year> XXXX PM EST text message

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I put in a fraud investigation with Navy Federal. I also had one previously in XXXX I provided documentation both times showing that it was not me but both times they deny me. I would like to investigate this further to see why Navy Federal is consistently denying the claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely review my report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a technical error, but the inaccurate accounts remained. Im now requesting a thorough review of the documents I provided to ensure this issue is resolved completely and doesn't cause me further concern.

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 2025-05-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned XXXX XXXX XXXX I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
THE REPOSSESSION WAS NOT VALID BECAUSE THE CAR WAS IN A PAYMENT PLAN AND THE ACCOUNT WAS NEVER IN REPOSSESSION STATUS OR DELINQUENT WITH SANTANDER. IT IS REPORTING ON CREDIT REPORT AS CHARGE-OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I wish to be able to eliminate with the help of you application all the inquiries made to my credit not authorized by me, in addition i wish to eliminate all errors corresponding to Name, Surename, Address of my reports that do not coincide with the real ones issued by me Inquiries Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Company name : Cherry Technologies Inc . 
Website : XXXX XXXX XXXX Mailing address ( if known ) : XXXX XXXX XXXX XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX I financed XXXX services through Cherry Technologies Inc. ( Cherry ) on XX/XX/XXXX for a total contract price of {$1500.00}. The provider, XXXX XXXX XXXX, abruptly ceased operations and filed for XXXX bankruptcy ( U.S. Bankruptcy Court, XXXX, XXXX ) on XXXX. Because the business shut down, I never received the remaining treatments. 

Despite notifying Cherry in writing and by phone that the contracted services were never rendered, Cherry continues to demand payment on the open balance of {$980.00}, charges of interest and late fees, threatens negative credit reporting, and has refused to cancel the agreement. Cherrys actions violate : * * FTC Holder Rule ( XXXX ) * * Consumers may withhold payment or seek a refund from a loan holder when services purchased on credit are not delivered. 
* * Fair Debt Collection Practices Act ( FDCPA ) * * Collecting a debt arising from a fraudulent or nonexistent obligation is unfair and deceptive. 
* * State consumerprotection statutes * * ( Florida Deceptive and Unfair Trade Practices Act, Fla.Stat.501.201XXXX ), because the underlying contract was never fulfilled. 

Requested resolution : 1. Cancel the remaining balance in full ; 2. Refund all payments already collected, totaling {$500.00} ; 3. Cease all collection activity and refrain from furnishing negative credit information ; 4. Confirm the account as paid and closed within 30days. 

XXXX  details bankruptcy docket : Key Case Details : Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case Number : XXXX Judge : XXXX XXXX XXXX Initial Filing Date : XX/XX/XXXX Conversion to XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Meeting of Creditors : XX/XX/XXXX Deadline for Filing Claims : XX/XX/XXXX Government Claims Deadline : XX/XX/XXXX Debtors Address : XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX I have attached documentation : of payments.

Company response to consumer: Closed with explanation