vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: HI

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, please provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of the original agreement showing that I am legally obligated to pay the debt ; 4. A complete payment history, including charges, interest, fees, and payments ; XXXX. Proof that XXXX XXXX XXXX has the legal right to collect this debt ( e.g., chain of title from the original creditor to XXXX XXXX XXXX XXXX XXXX. A copy of the judgment ( if applicable ). 

Until you provide this information, I request that you delete from credit report cease all collection activities, including reporting this alleged debt to credit reporting agencies. 

Please be aware that any attempt to collect on this debt without first validating it is a violation of federal law. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> This complaint is filed against all three nationwide Consumer Reporting Agencies ( TransUnion, Equifax, and Experian ) and the Furnishers ( XXXX XXXX XXXX XXXX XXXXXXXX ) for severe and ongoing violations of federal law resulting from identity theft. 
XXXX  XXXX account number last XXXX XXXX XXXX account number last XXXX XXXX and some hard inquiries on credit report from all 3 bureau i dont reconize i will put screenshot at the end as evidence

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> This complaint is filed against all three nationwide Consumer Reporting Agencies ( TransUnion, Equifax, and Experian ) and the Furnishers ( XXXX XXXX XXXX XXXX XXXXXXXX ) for severe and ongoing violations of federal law resulting from identity theft. 
XXXX  XXXX account number last XXXX XXXX XXXX account number last XXXX XXXX and some hard inquiries on credit report from all 3 bureau i dont reconize i will put screenshot at the end as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filling this complaint against Capital One regarding the deceptive practices related to thir XXXX high yield interest savings accounts. This deliberate obscurity and lack of transparency violated consumer trust and resulted in financial losses for many.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX Midland Credit. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. A compliant was previously filed and item was blocked and removed. It has since reappeared and affected my financial standing despite previous proof provided of identity theft through XXXXXXXX XXXX. I am also asking for the above mentioned party to cease contact in the form of calls, mail correspondence, and/or email. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter See previous compliant for attachments of documentation given on XX/XX/year>. This compliant was previously resolved with Midland Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet had a data breach, I was not informed where my information was exposed and shared. There have been multiple loan companies reaching out to me, but I was unaware of the data breach until I pulled my annual credit report. This is upsetting, as they are still my loan company for current student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
Final Notice Demand for Removal of Inaccurate Account ReportingTo Whom It May Concern, This is my final written notice regarding the continued reporting of [ Account Name or Number ] under your companys name. You previously stated that this account was returned to the original creditor. Yet your company continues to report it to credit bureaus, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .If your company no longer owns or services this debt, you are legally obligated to cease reporting it and remove the account from all credit bureaus immediately.I demand the following by XX/XX/XXXX, XXXX. Written confirmation of the date the account was returned to the original creditor. 
XXXX. Written explanation of why your company continues to report the account. 
XXXX. A formal written statement confirming that the account has been fully removed from under my name and will no longer be reported by your company to any credit bureau. 
Failure to comply by XX/XX/XXXX will result in legal action. I am prepared to file suit for damages related to inaccurate reporting, emotional distress, and any financial harm caused. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals office.This is not a negotiation. It is a final demand for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I am writing to explain my current financial hardship and my concerns regarding the handling of my mortgage by Fay Servicing. 

Fay Servicing took over my loan in XX/XX/XXXX, and I made my payments regularly and on time for quite some time. However, starting in XX/XX/XXXX, my monthly payments began increasing unexpectedly, which I believe XXXX have been due to ballooning payments or other adjustments. These increases made it extremely difficult for me to keep up. 

I have been actively seeking assistance and exploring all available options to avoid foreclosure and keep my home. Despite my ongoing efforts to communicate and apply for help, Fay Servicing proceeded with foreclosure actions against me while I was still in the process of applying for assistance. 

I do not want to lose my home. I currently receive approximately {$1400.00} a month from Social Security, and my mortgage payment is around {$910.00} per month, which leaves me with very little to cover basic living expenses. I am requesting a fair review of my situation, as well as any available assistance, modification, or alternative solution that can help me retain my home and make affordable payments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-21 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: NY

Complaint narrative:
I urgently ask that the inaccurate late payment be deleted from my credit report. My record reflects perfect payment history, and this error has been distressing and disruptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I am writing this complaint for the second time and I am really disappointed. I sent an email to your firm a disagreement a month ago, in which I made it abundantly apparent whose accounts were phony and whose legitimacy was questionable. On my credit report, there are still accounts that should not be there according to the rules. Because of the irresponsibility of your firm, I am experiencing stress, which is detrimental to my mental health. Additionally, I am giving my identification and social security number once more. I have already identified the bogus accounts. It is not fair that I should have to continue to be penalized for being a victim.

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 2025-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
The unauthorized activity occurred primarily between XX/XX/XXXX, and XX/XX/XXXX. I suspect my personal and financial data was compromised through ATM skimming and/or a larger data breach, leading to the unauthorized use of my card information. 
I have identified the following transactions as fraudulent and demand that you reverse these transfers and issue a full refund as required under Regulation Dear Fraud and Disputes Department, I am writing to formally report a serious incident involving multiple fraudulent and unauthorized transactions on my account ( s ) due to a combination of financial fraud, data breach, and account skimming/compromise. 
I have incurred a total loss of approximately \ {$17000.00} across my financial accounts. Specifically, [ from direct exspress debt card and over XXXX was fraudulently removed from my account with your institution.they at first where going to refund me then they refused even when I had ftc report irs report police and in report and data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
Promptly remove disputed information in keeping with legal duties.

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 2025-10-21 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC is reporting or attempting to collect an alleged debt that has not been properly validated under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I previously requested full validation, but LVNV has failed to provide the required information, including : A copy of the original signed agreement or contract ; The name and address of the original creditor ; A detailed accounting of the alleged balance ; and Proof that LVNV Funding has the legal right to collect or report this debt.

Under 15 U.S.C. 1692c and 1692g, collection or credit reporting activity must stop until the debt is validated. LVNV Funding continues to report the account to the credit bureaus without validation, which also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing for multiple violations of the Real Estate Settlement Procedures Act ( RESPA, 12 CFR 1024.40 and 1024.41 ) and Californias Homeowner Bill of Rights ( California Civil Code 2923.6 and 2923.7 ) in handling my mortgage loan and loss mitigation efforts. As the homeowner and pro per litigant in ongoing foreclosure-related litigation, I am being denied my rights to direct communication and proper loss mitigation processing, risking irreparable harm via a scheduled foreclosure sale ( tentatively XX/XX/XXXX ). 

Details of Violations : Refusal to Provide Single Point of Contact ( SPOC ) : Under 12 CFR 1024.40 and California Civil Code 2923.7, Shellpoint is required to assign a dedicated SPOC to coordinate loss mitigation. Since initiating litigation, Shellpoints loss mitigation department has refused to communicate directly with me, citing my pro per status, and insists I contact their attorney, XXXX XXXX XXXX. This violates my right to a SPOC, as litigation does not waive my borrower protections. 

On XX/XX/XXXX, my advocate called Shellpoint on my behalf, and they again refused direct communication, obstructing my ability to pursue loss mitigation. 

Failure to Acknowledge Complete Loan Modification Application : On XX/XX/XXXX, my advocate submitted a complete loan modification application on my behalf. Shellpoint refused to acknowledge receipt, violating 12 CFR 1024.41 ( b ), which requires written acknowledgment within 5 business days. This follows a pattern of non-compliance, as Shellpoint previously failed to properly process complete applications submitted in XX/XX/XXXX and XX/XX/XXXX, denying them without offering appeal rights. 

Dual Tracking Violations : Shellpoint continues to pursue foreclosure ( sale tentatively set for XX/XX/XXXX ) while failing to evaluate my complete loan modification applications, violating California XXXX XXXX XXXX and XXXX XXXX XXXX ( g ). This dual tracking has persisted despite my prior CFPB complaint ( XXXX ) and documented issues with chain-of-title defects and improper denials. 

Pattern of XXXX XXXX : XXXX refusal to engage directly, acknowledge applications, or halt foreclosure proceedings demonstrates bad faith. On XX/XX/XXXX, I sent a demand letter ( via certified mail and email to XXXX ) requesting a SPOC, acknowledgment of the XX/XX/XXXX application, and a foreclosure pause, citing RESPA and HBOR. Their ongoing non-compliance escalates the risk of losing my home.

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