vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
We have been attempting to correct the legal owner of our mortgage and note. Shellpoint Servicing has provided some documents, which based on our research, are invalid as assignments of mortgage have been transacted by entities that did not own the mortgage. The mortgage has been assigned XXXX different times to different entities. Only XXXX of the XXXX assignments are legally valid and correct. Prior to our attempts to receive the requested information only XXXX assignment of mortgage existed and it was recorded in XXXX XXXX on XX/XX/XXXX. After XXXX  months of repeated inquiries, XXXX different assignments were recorded on XX/XX/XXXX only XXXX of which was invalid. Finally, yet another invalid assignment was executed on XX/XX/XXXX and not yet recorded. This hurried and haphazard attempt to create a valid chain of title verge on fraudulent activity. We have just been notified that Shellpoint has retained XXXXXXXX XXXX XXXX XXXX XXXX  to threaten foreclosure. All of this activity can be averted simply by providing legal and accurate chain of title information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I am reporting that Citizens Bank failed to properly investigate and resolve an unauthorized transaction on my XXXX bank account that occurred in XX/XX/year>. I reported the incident by phone and followed up with them and I was told that the case was to be resolved in my favor first for XX/XX/XXXX then for XX/XX/XXXX by agents on the phone. However, after months of inconsistent communication, I was informed that the case was closed almost immediately citing difficulty reaching me because I now live abroad. Despite my efforts to remain reachable by phone and email and providing identification and documentation, the bank did not follow through on a full investigation or remote verification.This appears to violate my rights under Regulation E as Citizens Bank did not provide provisional credit or a written explanation after closing the dispute. The bank failed to complete a good faith investigation and ceased communications prematurely. They also refused to offer reasonable alternatives for verification such as video calls, unlike other major XXXX banks. I have made multiple phone calls and emails to Citizens Bank support including the originating branch. I have submitted identification and documents via email and requested video or secure alternative verification, which was denied. I want to add also that my report is about an unauthorized transaction from XXXX on my account. I registered on this website XXXX  and I provided my personal and banking details but I never was to do any investment or transactions with them. The bank claims because I registered with XXXX myself the transaction is valid but I never authorized this transaction. They failed to properly investigate this in multiple levels, no provisional credit was given, nature of unauthorized transaction was dismissed at pretense of they can not reach me, false claims over the phone were given to me by the citizens agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-11-12 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
In XX/XX/year>, I placed an order through XXXX Like XXXX using my Apple Card issued by Goldman Sachs. The order total was {$130.00}. The merchant shipped the wrong items, meaning I never received the merchandise I actually ordered. Under the Fair Credit Billing Act, this is considered merchandise not received. 

On the day the package was delivered, I took photos of the incorrect items and immediately shared them with XXXX. I also exchanged multiple emails and spent over an hour on phone calls with their support team attempting to resolve the issue. The merchant required me to pay return shipping for their mistake and refused to send the correct items. 

I filed disputes with Goldman Sachs XXXX separate times, providing all documentation, including photos, correspondence, and receipts. Each time, Goldman Sachs denied the dispute and stated that the charge would remain. I worked with multiple supervisors, including XXXX named XXXX, and was repeatedly asked to resubmit the same documentation. This process has stretched over several months and has created an unnecessary burden to fix a straightforward billing error. 

I am filing this complaint because Goldman Sachs has not upheld my rights under the Fair Credit Billing Act. I am requesting that the charge of {$130.00} be permanently removed and that Goldman Sachs be directed to comply with FCBA requirements for disputes involving merchandise not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
On XX/XX/2025, I mailed a formal dispute letter to Experian via XXXX XXXX Mail ( Tracking # XXXX ). The letter included copies of my government-issued photo ID, Social Security card , and a recent utility bill to fully verify my identity and current address. In that correspondence, I requested that Experian conduct an investigation into specific inaccuracies appearing on my credit report and correct the erroneous personal information listed. 
According to XXXX delivery confirmation, Experian received my dispute on XX/XX/2025. Despite sufficient time having passed since receipt, I have not received any acknowledgment, response, or update from Experian regarding the investigation. This failure to respond constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate consumer disputes and provide results within the prescribed 3045 day period. 

I have attached a copy of my dispute letter sent to Experian with XXXX XXXX Mail proof of delivery to support this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
Under the protection of the CARES Act, my mortgage account ( XXXX ) was in an approved forbearance plan. Immediately following, I entered and completed a loan modification. My account was current before entering the forbearance. 

Despite this, XXXX reported my account to Experian, Equifax, and TransUnion as XXXX days delinquent during this protected period. This is a direct violation of the CARES Act ( Section XXXX ), which requires servicers to report the account as " current '' during an accommodation like forbearance when the account was current before the accommodation. 

I sent a formal dispute to XXXX 's Credit Dispute Department. They responded with a letter dated XX/XX/year> ( Case ID XXXX ), claiming the reporting was " accurate '' but completely failed to address : The existence of my forbearance agreement The loan modification process Their obligations under the CARES Act Section 4021 Any actual investigation of the CARES Act compliance issue Their response stated only that my account is " current as of the date of this letter '' ( XX/XX/year> ), which is a misleading deflection. The issue is not my current account status, but the historical inaccuracy of reporting me as 180 days past due during a period when I was in an approved forbearance and loan modification. 

This generic, form-letter response is evidence of a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This inaccurate negative reporting is severely damaging my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
This is a formal complaint concerning the above-referenced account being reported by FLAGSTARBK / XXXX. The company is currently in violation of the United States Bankruptcy Code and federal court orders, including the Automatic Stay provision under 11 U.S.C. 362. The continued reporting, collection, or furnishing of data related to this account during or after the protection of a bankruptcy filing constitutes a direct violation of federal bankruptcy law and consumer reporting obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 11 U.S.C. 362 ( a ) ( 6 ), any attempt to collect, continue reporting, or communicate adverse information about a debt included in bankruptcy is strictly prohibited. Furthermore, any post-petition activity or failure to properly update the accounts status as included in bankruptcy or discharged in bankruptcy represents willful disregard of the Automatic Stay and the Discharge Injunction under 11 U.S.C. 524 ( a ) ( 2 ).

By maintaining or re-reporting this account as open, active, delinquent, or collectible, FLAGSTARBK / XXXX  is in violation of : FCRA 602 ( a ) failure to ensure fair and accurate reporting ; FCRA 607 ( b ) failure to maintain maximum possible accuracy ; FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate ; and FCRA 623 ( b ) failure to correct and update information after notice of dispute or bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account appears to have been charged off with a small remaining balance. I am requesting validation of the debt, including the date of first delinquency and whether the account was paid, settled, or sold. If the information can not be verified, please remove it. 

Late Payment Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : These accounts are showing late payments that may not be accurately reported. I request full verification from each creditor or removal of the disputed late marks if proper documentation can not be provided. 
Inquiries No inquiries are being disputed with TransUnion at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Dear Sir/Madam, I am disputing the following accounts with the credit bureaus. Below are the details of the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX  {$170.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$510.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$810.00} XXXX XXXX XXXXXX/XX/XXXX, {$160.00} XXXX, XXXX, XX/XX/XXXX, {$720.00} Inquiries : XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
Hello my name is XXXX XXXX. We purchased a house and Amerisave was our mortgage company. We had XXXX  as our insurance and our policy was XXXX on the house, XXXX on contents, XXXX on our garage and housing if something would happen. XXXX  rates raised alot and my fiance called amerisave to tell them we're shopping around for a better rate. They told us they have a company that would give us our same policy cheaper. The company was national general. So XX/XX/year> our cabin burnt down and 15 days after the fire we was told that all we had was structure insurance. We asked them 3 times if we was getting our same policy and they said yes. It took them almost 6 months to send us any money and they gave us XXXX we ended up with like XXXX after the took what we owed on the mortgage. We feel like we was robbed, lied to and taking advantage of. I never even knew there was just a structure insurance and there's no way we would of agreed to that. We had to stay in hotels for a month and I had to pay out of my own pocket. We lost everything we owned the house was a XXXX story XXXX bedroom XXXX ft cabin, we barley made it out alive. I couldn't even afford to buy my daughter 's tampons because the hotel was expensive. We have XXXX teenagers and XXXX dogs so for a month it was horrible. We finally got into a rental thats XXXX of the size of our cabin. The insurance said we had up to XXXX but gave us XXXX because of XXXX and XXXX had our cabin at XXXX. We had well over XXXX in contents and to rebuild what we had according to XXXX contractors is around XXXX. Like I said there is XXXX possibility if they told us our insurance would be just for structure we would of agreed, this was our XXXX house we bought and was supposed to be our forever home. We can't build anything for what they gave us we went and looked at modular homes and and over XXXX. What they did should be against the law and they should loose there company over doing stuff like this to people. I had to pay XXXX to have the property cleaned up after the fire out of my own money. The XXXX contractors I talked to said our insurance should of put us up in a house, cleaned up our property and gave us money for clothes and stuff. I had to wear the same pair of jeans for work for XXXX weeks until I got some more. Ive never in my life felt that humiliated in my life and my kids crying because we lost everything to be treated like this by our insurance company that we paid every month so we could be taking care of if something like this would happened

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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