vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sher & Shabsin PC
State: MO

Complaint narrative:
I am being garnished by XXXX different companies at the same time..XXXX XXXX XXXX XXXX XXXX..they are XXXX XXXX a firm call XXXX XXXX XXXX  I spoke with a rep at the firm and she stated there is nothing they can do to stop one or remove one of the garnishments off my check..they are taking over XXXX percent of my check I thought by law they can't do that..I reached out to my employer and they stated they can't do anything because of court order from the firm and i would need to speak to the garnisher to stop one of them removed..also i have an exemption to take XXXX percent from the court and they are taking double..is this a violation of the consumer credit protection act or Fair Debt Collection practices act..this can not be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of the following accounts from my XXXX credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and related provisions. 



Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my rights to privacy and confidentiality under 15 U.S. Code 1681, and the information re ported is incomplete, inaccurate, or unverifiable. 



Upon reviewing my XXXX credit report on XXXX XXXX XXXX, I found that these accounts do not comply with the FCRAs requirements. Specifically : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that if an account is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must promptly delete or correct the item and notify the furnisher. 

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) states that a furnisher shall not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 



Despite these federal mandates, the accounts listed above remain on my report without proper validation or correction. I have taken steps to dispute this information, and no sufficient verification or investigation has been conducted to meet legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Background : In XX/XX/XXXX ( XXXX XXXX week ), my vehicle was stolen. 
My insurer, XXXX, issued a payment for the vehicles value, which I believe was processed in late XXXX or early XX/XX/XXXX ( I dont have the exact date ). 
At the time, I believed the insurance payout resolved my remaining loan balance in full. 

I later learned a balance of {$2100.00} remained on the loan, but not through America First only via a single phone call from XXXX XXXX, a company America First appears to have partnered with.

I did not receive any consistent or formal communication from America First about this balance no regular calls, letters, or emails outlining the amount or how to pay it. 
XXXX never reported the account to any of the XXXX credit bureaus, so the debt never appeared on my credit report as a collection. 

I only last week, while reviewing my credit report more closely, that America First has been reporting monthly late payments on this loan from XX/XX/XXXX through early XXXX. 
These late payments were reported even though : The balance had been transferred to XXXX XXXX. 
I was never formally informed the loan was still accruing late payments. 
I believe the loan should have been closed, charged off, or otherwise reclassified once it was sent to collections. 
Because no collection tradeline was ever added to my report, I had no way of knowing the original loan was still showing late payments. 

Recently, I made an effort to pay off outstanding debts. 
I remembered the single call from XXXX months prior and decided to act on it. 
I paid the full balance without any attempt to settle. 
Even after payment, the collection account still never appeared on my credit, and the original America First loan wasn't marked as closed until I sent an email to their collections department asking them to review my account and how it was being recorded on my credit.

The credit reporting appears to violate accuracy and fair reporting obligations under the Fair Credit Reporting Act ( FCRA ).

The loan status was not appropriately updated once sent to collections.

I was not notified adequately by America First or XXXX regarding the status or nature of the remaining balance. 
I was never given a clear opportunity to address the debt in a timely manner because the reporting pathway broke down, and I was misled by the absence of a collection tradeline on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover it is a very bad credit card company in my opinion card number XXXX XXXX expiration XX/XX/year> this company has a very bad practice of closing an account keeping the customer 's money for 60 days 60 days before the customer can receive his money I believe it they close the car in 2 weeks you're supposed to receive your money this is bad business practice and I want my money now because this company has a very bad business practice they know they can't send you the credit card but they intend to keep your money so they just hold on to your money for 60 days which is outrageous and I'm asking you to send them a letter and to allow them to pay me my money now right now thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1.First reported the issue to XXXX XXXX mortgage on XX/XX/2025 both over the phone and in writing, due to the fact that my credit score dropped XXXX ( XXXX ) points down in one day - as a result of the loan being reported by XXXX XXXX mortgage as a new borrow. The loan was taken from a previous lender and is not a new borrow. Was promised 30 days to resolution, no case number provided. 
2. Called again in 30 days, on XX/XX/2025 with the same issue, was promised to get resolution in another week. No case number provided.

3. Called on XX/XX/2025 because received a virus email that infiltrated my work computer after XXXX XXXX mortgage sent an email to my WORK email which was never provided to XXXX XXXX mortgage. Also, inquired about case, was not given any case number, asked to wait more- with the promise to get results by the end of XX/XX/2025. Telephone conversations with XXXX From Department of Escalations ( XXXX ) XXXX XXXX XXXX or ( XXXX ) XXXX. No case provided. 
4. Called again onXX/XX/2025 had a phone conversation with XXXX XXXX. From Department of Escalations ( XXXX ) XXXX XXXX XXXXXXXX or ( XXXX ) XXXX. Was given case # XXXX this time. Was promised by the end of XX/XX/2025 that my credit score will be corrected and balance will be reported. Promised 5 business days as a forceful escalation to get results. 
5. XX/XX/2025 - Sent email to the Escalations Department asking for any results on the resolution of the matter and referring to the case number - no answer. 
5. Called onXX/XX/2025 - telephone conversation with XXXX XXXX from Department of Escalations ( XXXX ) XXXX. Was provided ANOTHER CASE NUBMER information with a a different case number - case # XXXX that, according to XXXX XXXX, was created onXX/XX/2025. XXXX was not able to find the previous case number or advise on any resolution. 
Was promised again to wait until XX/XX/2025 for the result.

***Not able to get any resolution for several months with different promises each time. Upon checking my score and reports from XXXX XXXX, I can see that XXXX XXXX is NOT even reporting current payments for my loan mortgage which are done regularly and in time on monthly basis. The score that dropped XXXX ( XXXX ) points onXX/XX/2025 due to erroneous reporting is still down which is preventing me from making any additional real estate purchases ; even my current payments are not reported in time. 
Please create a claim and help me get this matter resolved. 
Thank you. 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. 

I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXXXXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXXXXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX, CA, undefined

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
On XXXX XXXX XXXX, my homeowners insurance policy with XXXX XXXX  Plan was canceled without my knowledge. I received no direct notice, invoice, or cancellation warning from XXXX  XXXX Plan ; instead, they exclusively sent invoices to my mortgage servicer, Shellpoint, without issuing separate cancellation notices. XXXX XXXX Plan has confirmed multiple times that they do not send individual cancellation notices, relying solely on invoice communications to the lender. This practice appears to violate California Insurance Code 677 ( a ), which mandates that all cancellation notices be in writing and mailed to the named insured at the address shown in the policy. 

Shellpoint failed to monitor my escrow account effectively and did not notify me of the policy lapse until I received a letter dated XX/XX/XXXX, which arrived on XX/XX/XXXXXXXX XXXXnearly XXXX months after the cancellation. A second letter, dated XX/XX/XXXX, was received on XX/XX/XXXX. Upon receiving the first notice, I promptly reinstated coverage with XXXX  XXXX Plan on XX/XX/XXXX. 

When I inquired about the delayed notification, Shellpoint claimed they acted only upon receiving notice from XXXX XXXXXXXX Plan. HoweverXXXX XXXX XXXX Plan has confirmed they did not send separate cancellation notices to Shellpoint, only invoices. Shellpoint has refused to provide documentation of what they received and when, raising concerns about their transparency and compliance. 

As a result of the negligence of both XXXX  XXXX Plan and Shellpoint, I have been charged {$11000.00} for retroactive force-placed insurance covering the period from XX/XX/XXXX to XX/XX/XXXX. I was never given an opportunity to address the lapse or avoid these charges. 

For context : I have a credit score of XXXX. 
I have made every mortgage payment on time over the four years Ive owned my home. 
I had no prior claims, defaults, or communication issues. 
I was simply never informedby either partyuntil it was too late. 

I request that these charges be reversed and that both XXXX XXXXXXXX Plan and Shellpoint be investigated for their respective failures : XXXX XXXX Plan : For not providing direct notice of cancellation to the insured, potentially violating California Insurance Code 677 ( a ). 
Shellpoint : For failing to monitor escrowed insurance coverage and provide timely notice of lapse to the borrower, as required under RESPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified an inaccuracy that I have disputed with the collection agency and Equifax but my concerns have not been adequately addressed. Inaccuracy # 1 : Collection placed on credit report Description : XXXX XXXX XXXX, XXXX placed a wrongful collections on my credit report while the said debt was first in dispute. They also didn't notify the credit agencies that the debt is being disputed. I have put in a previous complaints with said company and I have asked numerous times for certain information to validate the said debt and I still have not received all that I asked for. I keep receiving a generic response from Equifax saying that they have verified but never show any proof of verification. However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. The other two credit agencies have already taken this collections off of my credit report. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
Had the worst experience with Tenaglia & Hunt. Where to begin, was not in a good spot with finances and go into credit card debt. It got to the point the bank submitted it over to Tenaglia & Hunt for debt collection. They gave me a summons so, this was already not a good situation. I wanted to get this taken care of of quickly and at 1st they were willing to help. But once I found another debt consolidation alternative way to pay, they were no longer willing to cooperate with me. They ended up not giving over any information. All my debt consolidation agency needed was a power of attorney. We went to court where even a judge ruled that they had to work with me. They never got back to them to work it out. Now here we are a year later and now they put a stop hold on my account for DOUBLE THE MONEY! I would like to post this complaint for everyone to see.

Company response to consumer: Closed with explanation