vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This company is for closing on me and have no is participating in our negotiations resolution. They fail to validate the debt and any proof of standing. I dont contract with this persons nor do they have legally binding between us. If they could provide me with the documents i requested im more than able to perform on obligation. This is illegal and the Sale date is XXXX. Violation of home owners bill of rights and duel tracking. Pls help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA XXXX ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA XXXX ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy entry that appears on my credit report. This entry is completely inaccurate and fraudulent, as I have never filed for bankruptcy. Its continued presence is causing significant damage to my creditworthiness and reputation.

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 2025-09-16 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: AZ

Complaint narrative:
Asked Experian to remove addresses that were on my credit file that do not belong on my credit file. I attached FTC report with proof of address, ID and SSN. Also there are hard inquires on my credit file that are not authorized by me and not reporting 100 % accurate.

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 2025-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am disputing two serious issues related to my HELOC payoff and 2024 tax reporting by Shellpoint Mortgage Servicing : XXXX ) Improper Deferred Escrow Charge ( {$6500.00} ) : The payoff statement dated XX/XX/year> lists a Deferred Escrow charge of {$6500.00}. 

My escrow account with XXXX XXXX  ( prior servicer ) paid taxes and FHA insurance through XX/XX/year> and had a {$0.00} balance with no refund due. 

This charge appears duplicative, unsupported, and unjustified. 

XXXX ) Incorrect Mortgage Interest Reporting ( 2024 Form 1098 ) : Shellpoint reported {$9100.00} in interest for 2024. 

The payoff statement shows {$2900.00} accrued interest through payoff on XX/XX/year>. 

This discrepancy suggests either an IRS reporting error or overcharge of interest. 


XXXX ) What Information I Requested : Itemized explanation of the {$6500.00} Deferred Escrow charge. 

Documentation showing this escrow was not already disbursed by XXXX XXXX. 

Reconciliation of all 2024 interest payments applied to my account. 

Corrected Form 1098 if the {$9100.00} interest is overstated. 

Refund of any overpaid escrow or interest. 

Written confirmation of all corrections. 

XXXX ) Escalation Notice : Shellpoint has failed to provide full explanations. These issues may violate RESPA ( 12 U.S.C. 2605 ) and IRS reporting requirements. If not resolved, I will escalate to state regulators and pursue all remedies available under federal and state law. 

Supporting Documents Attached : Payoff statement ( XX/XX/year> ) 2024 Form 1098 from Shellpoint XXXX XXXX  escrow account statement Notice of Servicing Transfer Servicing Transfer Confirmation Notice of Loan Server Underwent a Name Change from Specialized Loan Servicing ( SLS ) to Shellpoint Mortgage Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
XX/XX/XXXX bankruptcy was filed : at that point, no visibility of account. 
XXXX made payments monthly and had to call in to make payments and no one advised me that my account was one month past due. 
XXXX was approved and complete. 
XXXX to make XXXX payment and was advised account was still in bankruptcy. I advised the bankruptcy was approved XX/XX/XXXX. At that time, I was notified that the account was 30 days behind because I missed a payment in XX/XX/XXXX ( I was not aware ) and I owed XX/XX/XXXX and XX/XX/XXXX. I requested an extension at that time, and the customer rep advised me that the extension was submitted, and I wouldn't have to make another payment until XX/XX/XXXX. 
XXXX I had visibility of account and noticed I was XXXX payments behind. I called and spoke to a supervisor and was advised that the customer rep didn't submit my extension in error and they submitted that day. My credit report listed 30 days late due to this error. 
XXXX a dispute with Experian credit report because this was not my error however it was Exeter Financial error. The 30 days late should be removed. 
XXXX the dispute was completed and the 30 day late is staying on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
XXXX  charges that has become charge off Maybe no as XXXX. 
Several of them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
Its been two months and no body has been contacted me regarding this I have XXXX dollars in my cash app account and I am unable to getting it because of this issue I dont care about the app I would to closed it but I want my money know I am tired of this you guys able to see every transaction and where is going so you guys know when to some one who leaves in unite state so I dont why is taken so long something that is simple and that money I send I was for a donation for a person whos name is XXXX not because its said XXXX means that its the country I just want my money and closed cash I dont want to deal with a incompetent app that doesnt How to do her job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I have never applied for, authorized, or maintained these accounts, and their presence is a clear misrepresentation of my financial history. These entries are false, harmful, and have no legitimate basis to remain on my credit file. Their inclusion is not only unjust but also deeply damaging to my financial reputation and well-being. I should not be held responsible for debts or obligations that are not mine. Allowing these accounts to remain undermines the accuracy and fairness of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from BANK XXXX XXXX XXXX XXXX XXXX XXXX, Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i XXXX a ) ( XXXX ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( XXXX ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 
BANK XXXX XXXX XXXXXXXX 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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against NATIONAL RECOVERY AGENCYa data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. NATIONAL RECOVERY AGENCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX a purchase of {$1800.00} was made at XXXX for a money order and mailed to rental management. The money order was never received and theres no tracking update on status. The money order was not received by rental management and cashed by someone else. I reported this as a fraudulent transaction and expressed to my bank to dispute the charge on XX/XX/XXXX after speaking with my rental management  and a XXXX representative. There has been no response from my bank or request for documentation to support my claim and no resolution with the first XXXX 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Both my accounts were closed today by Chime. This account had my money for bills. I called requesting information and she did not know why and also said I was not eligible to reopen. She also said I count not dispute it. All she said was I would receive a check in 30 days. I asked if I can expedite it and she said no. I received XXXX emaile XXXX saying Im not eligible for a refund and another email saying I have to request my money back and I tried to tell her it is not automatic per email and she said it is. I want my money back from the credit builder of {$71.00}. I also want my {$120.00} in my debit checking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 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: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
XXXX XXXX in XXXX Arkansas has charged me countless overdraft fees. Something is seriously wrong with their banking system. Transactions taking XXXX days to process causes confusion and overdraft fees that should be illegal. I went into the bank twice to resolve this issue only for the bank manager to tell me in front of other customers and employees that I went on a shopping spree and that's why my account was being charged overdraft fees. Her intention was to humiliate me in front of everyone. The level of unprofessionalism in that bank is like something I have never experienced before in my life. I transferred XXXX and paid an " instant " transfer fee from my cash app bank to XXXX back. Then i checked my XXXX  banking app and it showed the transfer posted to my account. Then I made purchases later that day and was charged XXXX overdraft charges on each purchase I made because they said the money was not in the account when it was. It was deducted from my cash app account and transferred into my centennial account and the app showed that transfer of funds with a new balance. But they charged me overdraft fees anyways. I believe XXXX XXXX is stealing my money.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a letter stating that if I made a lump sum payment that the debt would be settled. I logged in and paid the full amount with my card. I did take screenshots but needed and wanted a written statement via mail or email stating it was paid in full. I tried logging back in to the account ... and can no longer do so, now my card information is just sitting on their website and I have no sense of security or anything stating that the amount was paid or that my card information is secure. I did however ... receive the same letter AGAIN that has already been paid, the amount was drafted from my account and yes i can verify that. 
This seems to be extremely fishy and a very sketchy way to conduct business. I WANT CONFIRMATION OF PAYMENT AND THAT MY PAYMENT INFORMATION HAS BEEN REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation