vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I applied to the XXXX XXXX XXXX XXXX ( XXXX ) program to modify my mortgage through my servicer Shellpoint Mortgage XXXX on XX/XX/2025. The process took 6 moths as opposed to 60-90 days as described due to an error in Shellpoint 's recording system. 

Shellpoint was denying the modification because they stated that there was a lien on my home. The information they had was incorrect, I submitted records from the county clerk to prove there was no lien on my home. In the end, they had the wrong information, corrected it, and approved the modification. 

Once the process was over and they modified the loan successfully I saw that my mortgage was marked as 120 days past due in XXXX of XXXX. My mortgage was in deferment when the process began. If it was truly past due, it would have been marked as past due in XX/XX/2025 and every month thereafter. The mortgage was in a suspended state during the application process and was not to be reported. Once everything was approved and the mortgage was modified and brought current, why was it marked as past due? 

I requested a review and asked that this discrepancy be removed by Shellpoint and it was not. I am requesting an investigation as I believe I should have been notified in writing that my mortgage would be reported as late if I chose to continue the process of modifying my loan. It is as if requesting the VA modification hurt my credit standing and ability to keep my home in repair instead of helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
While using New American Funding to obtain a mortgage to buy a house they ran my credit an excessive amount of times without my consent. This caused me to have XXXX hard inquiries listed on all three of my credit reports. Because of it my credit score decreased. 
When I contacted New American Funding I was told that they would send a letter to all three credit bureaus to get them removed. 
The inquiries are : New American Funding on the following dates XX/XX/year> XX/XX/year> XX/XX/year> ( listed as factual data ) XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> ( listed as factual data )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Balance : {$4300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
EXPERIAN never updated my credit report nor sent me any correspondence. EXPERIAN failed to respond to FTC REPORT and keep saying they still looking into it.

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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently limited my account with XXXX dollars in it after I provided all the requested proof and dictate they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I would like the following charge off account removed. This account falls under the statute of limitations and are misreporting on my credit report. 
Please apply these laws to my account : SECTION 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error

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 2025-09-02 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: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am extremely disappointed and frustrated with Equifaxs repeated failure to comply with its obligations under the Fair Credit Reporting Act. I disputed XXXX XXXX XXXX XXXXXXXX ) earlier this year, and Equifax confirmed its deletion. Despite this, the account has been reinserted without the required certification from the furnisher or proper reinvestigation. To make matters worse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have now appeared on my report without any notice, explanation, or supporting documentation. Equifax has ignored its duty under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to notify me within five days of reinsertion and has failed to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

This is not just a mistake it is a pattern of negligence and noncompliance. I have disputed these items repeatedly, yet Equifax continues to mishandle my reinvestigations. They have provided no verification, no original source documentation, and no transparency. These practices violate my consumer rights, damage my creditworthiness, and expose Equifax to liability under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance. I demand the immediate deletion of these accounts and a full explanation of the verification procedures used. If Equifax can not provide lawful proof, these accounts must be permanently removed, and I expect written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a credit card with Wells Fargo that I closed in XX/XX/year>. I also had car loan with Wells Fargo that I paid off. I went into my account to verify the car had been paid off only to realize I had an $ XXXX credit in my credit card account that I closed in XXXX. 

I contacted Wells Fargo on XX/XX/XXXX to request refund. They gave me the run around on why they would accept the refunds on an account that was closed in XXXX and not even bother to tell me. Fast forward to today, XX/XX/year> and I still do not have my refund. Ive been given the run around again by several different people. They told me I had to wait XXXX business days to get the check voided. I called this past XXXX XXXXXX/XX/XXXX, and was told XXXX days would be until today, XX/XX/XXXX. She even put me on hold and talked to her XXXX. I said if you would look at your calendar, you can count to see that XX/XX/XXXX was XXXX  days. She got rude with me so I hung up and called back. They said now they have to send me an affidavit to put a cancel on the check that I never received. I do not feel they actually cut the check, as I received XXXX pieces of mail in the meantime from them but no check. Anyway, now XXXX waiting for an affidavit that they said could take up to XXXX weeks to receive, plus another two-three weeks after they receive the affidavit back from me for another check to be issued. 

They should not have accepted the money on a closed account in the first place. Now, due to their issues, I will have to wait approximately XXXX and a half months to get my refund. They earn interest on the money they dont send. This is not acceptable for them to keep my money and make all kinds of excuses. I offered to go to a branch and show them all my identification but they declined.

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 2025-09-02 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Company : MOHELA XXXX XXXX XXXX XXXX XXXX XXXX ) Product : Federal Student Loan Servicing Issue : Improper billing / refusal to suspend payments during discharge request Complaint : I submitted a formal loan discharge request under 34 C.F.R. 685.215 ( False Certification/Identity Theft ) and 34 C.F.R. 685.222 XXXX XXXX XXXX to Repayment ). 

While my discharge application is pending, MOHELA has continued to bill me, require payments, and report negatively to credit bureaus. Department of Education procedures require loans under discharge review to be placed in administrative forbearance with billing and collection suspended until a decision is made. 

I have already sent MOHELA a written Payment Suspension Notice, demanding : Suspension of billing and required payments ; Placement of my loans in administrative forbearance ; Suspension of adverse credit reporting. 

MOHELA has a documented history of credit reporting errors and mishandling borrower accounts, confirmed by Senate investigators and ongoing litigation. These systemic failures make immediateoversight necessary. 

I request that the CFPB ensure MOHELA : Stops billing and collections immediately while my discharge request is under review ; Places my account in proper administrative forbearance status ; Corrects any negative or duplicate credit reporting linked to my loans. 

I am attaching supporting documents, including my discharge request, payment suspension notice, and evidence of MOHELAs errors. 

Desired Resolution : Immediate suspension of payments, correction of credit reporting, and confirmation of forbearance status while the Department of Education reviews my discharge claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NJ

Complaint narrative:
Unifin is continuously sending text messages with ref # XXXX ( XXXX ) XXXX provides the following link to click XXXX XXXXXXXX I do not owe any debts, I have never heard of this company and I consistently report it as spam/fraud but the text messages never stop. I have not received any communications regarding any debts via any other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with non-monetary relief