vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
On XX/XX/year>, an account with XXXX XXXX XXXX XXXX was opened using my personal information for an amount of {$910.00}, with additional fees, and the account now balances at {$1000.00}. I haven't used an ambulance service or been seen at any XXXX XXXX I wrote the company a letter on XX/XX/year>, and I received no bill as I had requested, nor did I receive the contract that was signed with the company regarding the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CT

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). These errors involve charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/year>, Balance : {$1800.00} Inquiries : [ No inquiries listed for Equifax ] Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
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: NY

Complaint narrative:
XXXX XXXXXXXX COMPLAINT ILLEGAL FORECLOSURE / BROKEN CHAIN OF TITLE / STRICKEN CREDITOR Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX Servicer : Shellpoint Mortgage Servicing / NewRez LLC Loan Number : XXXX Primary Residence Date : XX/XX/XXXXXXXX  Subject of Complaint Shellpoint Mortgage Servicing/NewRez is enforcing foreclosure and collecting mortgage payments without legal standing and based on a void chain of title. 

Shellpoint asserts they are servicing on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX, Alternative Loan Trust XXXX However : XXXX XXXX XXXX XXXX XXXX was stricken from the XXXX XXXX XXXX XXXX XXXX recorded assignment exists into XXXX XXXX XXXX XXXX prior to enforcement There is no recorded assignment to Shellpoint/NewRez at all Without a lawful creditor, no agent or servicer may collect or foreclose. 



Violations Shellpoint is : Misrepresenting the creditor/owner of the loan Attempting foreclosure under a void title interest Engaging in UDAAP ( Unfair, Deceptive, Abusive Acts and Practices ) Ignoring standing requirements under New York law Violating RESPA, FDCPA, and Regulation X by advancing enforcement during dispute Fabricating an escrow shortage to force a default New York Courts require a foreclosing party to prove : Possession of the note Recorded assignments prior to commencement They have neither.

Evidence Provided XXXX XXXX XXXX  Minutes ( XXXX ) showing XXXX XXXX stricken as a party Foreclosure demand letter from XXXX XXXX XXXX falsely asserting standing Shellpoint correspondence repeatedly naming XXXX XXXX as owner Escrow jump from {$1700.00} {$4600.00} effective XX/XX/XXXXXXXX  despite no taxes or insurance disbursements Proof of primary residence status XXXX  oversight is required to prevent wrongful foreclosure. 



Requested XXXX Action I request that XXXX  : XXXX Require Shellpoint to produce : Full recorded chain of title with wet-ink endorsements Proof of lawful note possession and custodial authority Evidence that XXXX XXXX is a valid secured creditor in NY XXXX XXXX XXXX Issue an order to : Suspend all foreclosure and collections Remove any inaccurate reporting or enforcement activity 3 Investigate Shellpoint/NewRez for : Title fraud False creditor representation Servicing misconduct under New York law Consumer Statement I certify the information is true and accurate. I need urgent support to stop wrongful foreclosure by a party that can not prove ownership of my mortgage debt. 

Sincerely, 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 2025-11-19 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report with Equifax. These accounts have been inaccurately reported as charged off, and I believe they require further investigation and correction : Charged Off XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Inquiries XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WI

Complaint narrative:
{$0.00} amount was taken but had ss number and address. Opened checking account without identification. Scammer provided false email and phone number. Apparently scammer was trying to scam the promotional money given for opening a new account.The account was opened XXXX. Account was closed the account XXXX. Only reason I was aware of the account was that a checking account statement was sent.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account was opened without my knowledge nor my consent. 

Date Opened : XX/XX/year> Date Card Received in Mail : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
This account does not belong to me I was incarcerated at the time this has been hurting my credit in unimaginable ways I am not able to do much of anything this is not my debt and I should not be hindered with this

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO

Complaint narrative:
Good afternoon, my name is XXXX. I work at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This complaint is in regards to TSYS, a credit processing company. Our business was charged an " infrastructure fee '' on XXXX fee has increased to {$450.00}, for a small business, that really hurts. The owner of XXXX XXXX XXXX XXXX and I decided it would be best to close our account with TSYS, due to the increasing rates and ridiculous fees. I was able to talk to a representative from TSYS. We negotiated a refund of {$350.00}, only for him to go back on his word and not issue us the refund because we wanted to close our account. The big credit card companies are crooks, frauds and small business are very negatively impacted when being charged their bogus fees. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal dispute regarding certain accounts that have been inaccurately reported on my credit reports. The following accounts, which I believe have been charged off incorrectly or contain inaccurate information, require immediate attention and correction. I have separated the disputes for each bureau below. 

Charged Off Accounts : Account Name : XXXX Account Number : XXXX * * * * Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX * * * * Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Late Payments : Account Name : XXXX Account Number : XXXX * * * * Account Name : 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 2025-11-19 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: MS

Complaint narrative:
I am filing this complaint because XXXXEquifax is reporting inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed these items directly with the credit bureau, but they were verified without a reasonable investigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( B ). The information still contains multiple errors across the accounts and personal data. 

XXXX. Incorrect Personal Information ( XXXX XXXX ) : My date of birth is being reported incorrectly. 
Several addresses listed on my file are inaccurate and do not belong to me. 
These errors indicate possible file mixing or inadequate matching procedures ( FCRA 607 ( b ) ). 

XXXX. Inaccurate Account Reporting : Multiple accounts are being reported incorrectly or inconsistently across all three bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Ser These accounts show different dates, different reporting statuses, and are missing data. XXXX bureaus show XXXX Account Reported, while others show installment accounts with high balances. If an account can not be verified consistently, it must be deleted under FCRA 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as a collection/chargeoff on XXXX bureau but current on another. The balance and status are inconsistent. This proves the furnisher did not validate the information with actual records. This makes the item inaccurate and unverifiable. 

Self / Lead Bank A XXXX late payment is being reported inaccurately. Dates and statuses conflict across the bureaus. If the furnisher can not provide exact records, the late payment must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collection accounts have no original creditor listed, incomplete data, inconsistent dates, and incorrect account numbers. Under FCRA 609 ( a ) and 611, if a bureau can not identify the actual original creditor or verifiable account details, the item must be deleted. 

Summary : The credit bureaus failed to : Report only accurate information ( FCRA 607 ( b ) ) Conduct a reasonable reinvestigation ( FCRA 611 ) Ensure data is complete and not misleading ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX went to make a cash deposit and atm broke print me a receipt I deposited around XXXX is almost a month and chase bank dosent want to give me my money they are stealing my XXXX, they say they open the atm and found XXXX which is not true, I been calling several times, no one is helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurate or have incorrect reporting and need to be addressed according to the Fair Credit Reporting Act ( FCRA ). Please find the details for each bureau below. 

Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX

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 2025-11-19 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of my HOAs business bank account, which has resulted in the unauthorized release of funds to an individual who is not entitled to them. 

Unfortunately, I do not know the date but Chase Bank cashed out funds from our HOAs business account, which was held under an XXXX XXXX XXXX XXXXXXXX XXXX- with multiple managing partners, including myself and XXXX XXXX. The accounts primary authorized signer was a now-deceased neighbor, XXXX XXXX XXXX 

Despite the account being a business account, and despite the LLCs certification paperwork clearly identifying multiple managing members and managing partners, Chase released the funds to the deceased neighbors mother. She is now holding the funds, claiming they belonged to her daughter, despite these funds being the property of the XXXX. 

Chases actions demonstrate a failure to follow basic banking protocols for business accounts. Specifically : XXXX ) Chase allowed a bank teller to release funds from a business account without verifying authorization from all managing partners. 
XXXX ) No effort was made to contact the XXXX or review the certification paperwork on file before releasing the funds. 
XXXX ) The banks actions directly caused a dispute requiring legal intervention to recover the funds that are rightfully the property of the XXXX. 

This situation has caused unnecessary financial risk and legal complications for our XXXX and its members since these funds are tied to our HOA. Chase Bank bears responsibility for this mismanagement, and I am requesting that the CFPB investigate this matter and require Chase to take appropriate corrective action. 

I am prepared to provide documentation, including the XXXX certification paperwork, account records, and correspondence regarding this incident. I request that Chase be held accountable for their role in this error and that the CFPB ensure a resolution that protects the rights of the XXXX and its managing partners. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Disbursement XXXX Disbursement Amount : {$2700.00} Current Principal balance : {$5500.00} I was attending apex trade school and they offered me to pay out of pocket or financial aid and I had no other chose but to chose financial aid but I did get the experience I paid for

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
XXXX XX/XX/XXXX XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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