vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Equity loan taken out from XXXX XXXX, transferred from servicing agent to servicing agent time and again, now in the hands of Shellpoint Mortgaging.

I owe about {$450.00} on this loan/mortgage. I requested a payoff amount and was told I could only pay it off via wire transfer or over-nighted certified check. They were happy to take my online payments for several years, but now I have to incur another fee to pay it off? XXXX is this? 

I paid off a car loan earlier this year, simply by making the final payment. Why should I be required to jump through hoops just to pay off this loan? I've never missed a payment, this should be a simple procedure... I pay the final amount and done... why is Shellpoint making this an issue? 

Additionally, I spoke to a CS rep first, then their supervisor, then asked for their supervisor 's supervisor. Not long after I was disconnected, and now when I call I get a message that the number is experiencing difficulties... the bleep, bleep, bleep, number out of service message ... they are now blocking me... an XXXX number doesn't just suddenly go out of service... unless there's been an EMP event... 

They refuse to give me a complete payment schedule for the life of this loan. They say send a request and we'll research it. Shouldn't each loan servicer get a complete history for each loan they buy out? What kind of slimy system of loan processing is allowed, or better yet, legislated?

I honestly don't expect anything from you... you're the government, you're not here to help. I pen this only so it is on record.

May God have mercy on your souls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
b'I sent a certified letters to Transunion  dated XXXX via USPS mail with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter was delivered to Transunion in XXXX,PA on XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Transunion ignored my request and I proceeded to send another letter on XXXX  They also ignored my 2nd letter. The accounts that were included in both letters were XXXX XXXX XXXX XXXX  account number is 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 non-monetary relief
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-15 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: GA

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. According the Fair Credit Reporting Act section 605B. It is illegal to report information on my credit report without my permission. Please remove this item

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 2025-07-15 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: GA

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. According the Fair Credit Reporting Act section 605B. It is illegal to report information on my credit report without my permission. Please remove this item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
On XXXX XXXXXX/XX/year> I received a call from this debt collector and they stated they were on a recorded line and I told them immediately to stop calling my number. The call lasted XXXX seconds and the agent on the phone said they would cease. Shortly after I received a debt collection letter from the same debt collector that stated themselves on the recorded line, claiming I owed {$2200.00}. Since then that number has repeatedly called me, and called me from variations of that number a total of 8 times. They also can't say they didn't know their information because I also declined their calls occasionally, and my voicemail states my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Global Lending Services LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and several associated dealerships for conducting multiple unauthorized hard credit inquiries on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

My credit report shows a total of eight hard inquiries from XXXX XXXX, as well as five additional hard inquiries from the following entities : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inquiries occurred on multiple dates throughout XXXX, XXXX, and XXXX, with several of them submitted on the same day. I did not provide authorization for these dealerships or finance companies to pull my credit multiple times. 

These unauthorized inquiries have had a direct and harmful effect on my credit standing. As a result, I have been denied an auto loan, and my credit reports with XXXX XXXX XXXX XXXX have remained negatively impacted and inaccessible for over XXXX years. This situation has made it extremely difficult for me to move forward with necessary financial decisions. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. I am asking for the removal of all unauthorized hard inquiries made by XXXX XXXX and the listed dealerships from my credit reports. I also request a written explanation from XXXX XXXX and the affiliated dealerships regarding why these inquiries were made and proof of any authorization, which I maintain was never provided. 

I am willing to provide credit report copies and any supporting documentation required to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was checking my credit report and I was chocked when I found all of those inquiries that I dont reconize please remove from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On the date of XX/XX/XXXX i received a message from chime stating that my account was close and the remaining balance of XXXX were transferred from my savings to my checking. I tried to use my card to remove the money it declined. I tried to get chime to send the money to my XXXX XXXX  checking account and they refused. I sent in information to confirm my identity and never got any response. I kept calling and calling being told they could not tell me anything that going on with my account or my remaining funds. I reported the situation to ( XXXX  ) and they took chime word in saying they would resolve the issue and still haven't received my funds. I contacted Chime XX/XX/XXXX and were told to send in my identity which I did again and they stated I had to call in. I call in and they state they sent my funds to my state Unclaimed office. I contacted the state of Georgia Unclaimed office and they stated they do not have nothing from chime under my name or amount that's stated, which led me to the point of not knowing what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, Affirm Inc reported an account on my credit report 30 days late, when this car i had with them was totaled and had full coverage plus XXXX XXXX, And XXXX confirmed they're paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have appeared on my consumer report without my written authorization or wet signature. I previously contacted your organization about this matter and am formally demanding the immediate blocking and removal of these unauthorized accounts from my report. These fraudulent entries have caused substantial emotional and financial XXXX  by inaccurately representing my credit history and financial responsibilities. The presence of these items has severely hindered my ability to achieve important financial goals, including purchasing a home and providing for my family 's needs. If this issue is not resolved appropriately, I am prepared to pursue legal action to protect my rights and seek proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MN

Complaint narrative:
I received a debit and credit card that I had not applied for. Thankfully they were sent to my home address and I was able to close them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: DC

Complaint narrative:
Since a closed account can not accumulate new delinquencies, this reporting is inaccurate and must be corrected immediately. Per 15 U.S.C. 1666b, creditors must ensure accurate and fair reporting. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, XX/XX/year>, and again on XX/XX/year>, I submitted written debt validation requests regarding the alleged debt : Account XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}, allegedly owed to XXXX XXXX XXXX. 

Despite XXXX formal notices, Portfolio Recovery failed to provide : A copy of the original signed agreement or application, A complete chain of title showing legal assignment of the debt, A full itemized accounting of the balance claimed, Proof of licensing and authority to collect debts in the State of Georgia. 

I also sent my personal identification and full credit report via FedEx with proof of delivery. Despite receiving my documentation, Portfolio Recovery has refused to validate the debt. They continue to report this account to XXXX XXXX  and XXXX in willful violation of federal law. 

I am requesting : Immediate deletion of this account from all credit bureaus, Cease and desist of all collection activity, Enforcement action by the CFPB, and referrals to the FTC and Georgia Attorney General. 

Continued noncompliance is unlawful and harmful to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC OPENED XX/XX/year>2023 AMOUNT OF {$2200.00} OPENED XX/XX/scrub>/2023 AMOUNT OF {$950.00} OPENED XX/XX/year>2023 AMOUNT OF {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am disputing inaccurate, incomplete, and outdated information reported by the credit bureaus including duplicate charge-offs, unauthorized hard inquiries, incorrect addresses, and dismissed bankruptcies that remain on file. Please see my attached dispute letter for a full list of violations and accounts in question. I request a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-15 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: GA

Complaint narrative:
I am disputing inaccurate, incomplete, and outdated information reported by the credit bureaus including duplicate charge-offs, unauthorized hard inquiries, incorrect addresses, and dismissed bankruptcies that remain on file. Please see my attached dispute letter for a full list of violations and accounts in question. I request a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continuing to report a debt that was legally disputed and never validated in court. 

In XXXX, XXXX XXXX filed a lawsuit against me in XXXX XXXX, TX Case No. XXXX. On XX/XX/XXXX, that case was dismissed without prejudice for want of prosecution. They failed to appear and pursue the claim. 

Despite this dismissal, they continue to report this account as valid and past due. I have submitted the court-stamped dismissal order, and I have disputed the account multiple times. 

In their most recent response, XXXX XXXX stated they are not required to validate the debt in Minnesota, but this is irrelevant and misleading. This is a federal dispute under the Fair Credit Reporting Act ( FCRA 1681s-2 and 1681i ), not a state-based debt validation under Minnesota law. 

I have never denied signing a contract the issue is that they initiated legal action, failed to prove the debt, and are still damaging my credit with unverifiable, misleading reporting. 

I also requested no further phone calls, and although they claim to have noted it, I was previously contacted repeatedly without proper documentation. I am requesting that all communication be in writing only.

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