vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I've sent this letter to all XXXX Credit Reporting Agencies To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : Inconsistent Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b ).

Misreported Credit Limit : Experian shows a {$0.00} credit limit, while others show {$1200.00}. This can artificially damage my credit utilization ratio and is materially inaccurate.

Balance Reporting and Charge-off Timing Conflict : Charge-off status does not align with payment activity ( last payment made XXXX  ). This contradicts proper charge-off protocol per FCRA and FDCPA. 

Failure to Provide Validation : Under FCRA 609 and FDCPA 809, you are required to show documented proof of the original signed agreement and the chain of custody of this debt. No such documentation has been provided. 

Consumer Dispute Already Active : As noted in Equifaxs comments, a reinvestigation is pending. Continued reporting of unverifiable data during dispute is prohibited under FCRA 611.

Resolution Demanded : I demand that you : Immediately remove this account from all three credit bureaus. 

Cease reporting this unverifiable and inconsistent data. 

Provide full validation documents, including original contracts and payment history, within 30 days. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as legal action for damages under FCRA 616 and 617. 

Please provide written confirmation that this item has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I used my Bank of America debit card to ourchase camera gear from the company XXXX. After not delivering on time ; I went ahead and asked for a refund. They did not issue a refund so I went to Bank of America and filed a dispute. XXXX then looked like they issued a refund but the rescinded after the chargeback. So now the refund fell off. Its over XXXX and is causing me incredible stress. Bank of America. Says its going to take 90 days or could take that long before I see my money. I dont have a job anymore, Im out of money and need the funds. Bank of America will not give me a temporary credit while they look to resolve the issue. What do I do.

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 monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I cant get in to my robinhood account by signing in. And when I call customer service it tells me to log in to my account. Then hangs up on me. There is no direct way to actually talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-19 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX this is a collection agency, I request from them a debt validation, and never got a response from them in 30 days as requested by law, and credit report are keeping this collection on my credit report hurting the ability to get credit from other provider. I requested to this collection company the real contract signed by me and the chain of ownership of alleged debt, also request the License o permit to collect any Debt in Kentucky State as Federal commercial Laws requires, and never got any document, The collection account still on my credit report, Credit reporting 's Agencies, update information, that's is illegal to correct o modify wrongful information when is not accurate on credit report. Federal laws requires that's wrong or inaccurate information has to be REMOVED or DELETED

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Account Lvnv collection agency Account number : XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> and XXXX I submitted disputes to the credit bureaus for inaccurate information and inconsistent information being reported on my credit report. The have no conducted an investigation or given status on neither investigation.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint against the servicer NelNet and associated debt collection agents for interference with a lawful debt remedy, misrepresentation of tax documents, and failure to acknowledge verified discharge filings in violation of federal protections. 
In the tax year XXXX, I lawfully filed two separate IRS Forms 1099-C for the cancellation of debts : XXXX. Department of Education ( via NelNet ) in the amount of {$3600.00} XXXX. XXXX XXXX XXXX in the amount of {$680.00} ( listed for reference only ) These filings were made in accordance with 26 U.S. Code 6050P for cancellation of indebtedness and were properly included as taxable income on my XXXX federal return. My IRS Return Transcript confirms the combined amount of {$4200.00} was reported as Additional Income and accepted by the Internal Revenue Service. 
Despite this, I received a threatening letter from NelNet dated XX/XX/XXXX, alleging the 1099-C I filed regarding their loan was " fraudulent '' and citing various criminal statutes without producing any evidence or verification from the IRS. Their letter appears to be an attempt to intimidate me into continued payment on a debt that has been lawfully addressed. 
This conduct is deceptive, harmful, and potentially unlawful. The use of scare tactics and unsupported criminal threats violates my right to due process and constitutes harassment under both the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Act. 
I am requesting that the CFPB : Investigate NelNet 's refusal to acknowledge the IRS-recognized discharge. 
Intervene in this matter to prevent continued threats or unlawful collection. 
Ensure that my federal credit records and student loan account reflect the discharge as filed. 

Have NelNet provide written proof from the IRS or Department of Education confirming their claim that the 1099-C was false or improperly filed. 
A copy of the original promissory note and all loan accounting ledgers for full validation of any continued collection claims. 
In the absence of such documentation, these threats of criminal prosecution will be treated as harassment, intimidation, and a violation of my private right to due process and lawful remedy. 
You are further notified that I reserve all rights to pursue legal action against NelNet, its agents, and any other parties involved in defamatory or unlawful collection practices. 

I have attached the following documents for your review : Copy of both 1099-C forms as filed ( XXXX listed for reference ) My IRS XXXX Return Transcript confirming {$4200.00} reported income Letter from NelNet threatening XXXX Thank you for your attention and protection of consumers facing unjust collection practices. I look forward to your timely intervention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Shellpoint Mortgage Servicing has refused to endorse a final insurance reimbursement check issued to me for completed Hurricane Ian repairs. The funds were issued by the insurance company as reimbursement for work already completed and paid for out-of-pocket. Shellpoint is delaying this based on a pending loan modification, which has no bearing on the insurance proceeds. 

This is a violation of my mortgage agreement, the Real Estate Settlement Procedures Act ( RESPA ), and Florida law. Ive made multiple requests in writing with no resolution. This ongoing delay is harming my finances and appears to be an abusive servicing practice.

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I have made multiple attempts to contact NMAC in order to confirm schedule automated payments via my banking account. 

I have been unsuccessful in reaching them until this morning. 

I was able to reach a representative this morning. Upon taking my call, he stated the call was being recorded. I stated the same. He got very angry and became extremely ride. Demanding that I end the recording or he would hang up the call. I ended the cmr cording and told him that I did so. 

He still stated that that I needed to end the recording. I told him I did, he continued to argue that I didn't. Even after repeating myself half a dozen times. 

Ultimately I satisfied his request by stating on a robotic voice that the call was not being recorded. 

I then stated I didn't give him permission to record me since he wasn't allowing me to record him. 

Ultimately, he hung o in my face. 

I spent two hours trying to reach someone this morning. I am at work and do not have tom for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payment on an XXXX XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I submitted a credit card dispute through my online HSBC US account in mid XXXX. I never received confirmation or any follow-up communication. After several weeks, I called the HSBC XXXX Customer Service team and was told investigations could take up to 30 days. 

Roughly a month later, I received a letter by post requesting additional information. I responded immediately by email and also called customer service to confirm receipt, explaining that I am based outside the United States and can not rely on international post. I was assured the case would remain open and be resolved within XXXX business days. 

Despite this, the case was closed shortly afterward for no response, even though I had clearly replied and confirmed via multiple phone calls. I again called HSBC and was told the case would be reopened, and that all future communications would be by phone or email, as I requested. This agreement was not honored.

Over the following months, I repeatedly contacted HSBC through email, phone, and their online messaging system. I was either told different timelines ( ranging from XXXX to XXXX business days ) or redirected. Multiple agents confirmed the Credit Disputes Team needed more information, yet no one ever contacted me to request it. I had to proactively call each time to get an update. In every instance, I again provided the necessary information, and again, nothing was done. 

Eventually, I was told the case had once more been closed for no response. This is false I had received no email or phone communication from HSBC, despite repeated instructions to avoid postal mail. In fact, another letter requesting information arrived after the case had already been closed, proving the inadequacy of their communication method. 

I made more than a dozen calls between XXXX and XX/XX/XXXX, each time receiving inconsistent information. XXXX supervisor promised a call back from a XXXX, which never came. Another supervisor was dismissive and told me the case was now too old to be reopened. 

As of XX/XX/XXXX, I had still not received a letter allegedly sent on XX/XX/XXXX further confirming that postal communication is unfit for international customers. I have provided all required dispute documents multiple times via email and phone. 

I also tried calling the number provided by the representative ( XXXX ) and it led directly to a XXXX voicemail, confirming it is not a working support line. I have asked for escalation and copied in senior customer relations staff, but received no further response. 

HSBCs failure to respond adequately, provide consistent communication, or act on the information Ive repeatedly submitted has resulted in significant stress, wasted time, and a lack of resolution for a straightforward credit dispute that should have been addressed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-19 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX this is a collection agency, I request from them a debt validation, and never got a response from them in 30 days as requested by law, and credit report are keeping this collection on my credit report hurting the ability to get credit from other provider. I requested to this collection company the real contract signed by me and the chain of ownership of alleged debt, also request the License o permit to collect any Debt in Kentucky State as Federal commercial Laws requires, and never got any document, The collection account still on my credit report, Credit reporting 's Agencies, update information, that's is illegal to correct o modify wrongful information when is not accurate on credit report. Federal laws requires that's wrong or inaccurate information has to be REMOVED or DELETED

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