vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
AGAIN ATTACHED IS THE XXXX COMPLANINT WITH MODIFICATION AND WILL NOT BACK DOWN AGAINST THESE RPREDATORY SERVICING COMPANIES THAT THE PUBLIC KNOWS NOTHING ABOUT. THE XXXX PREVIOUS COMPLAINTS HAVE NOT BEEN ANSWERD BECAUSE THEY HAVE NOT BEEN AWARE OF THE SITUATION IN 2024. XXXX KNEW THAT IT COULD HAVE TAKEN 6 MONTHS OR MORE AND DECIDED TO DROP THIS AND SEND TO ANOTHER UNFORTANTE REASON FOR A SERVICOR THAT HAS NO RESPECT FOR ANYONW AND I AM NOT LOOSING MY HOME OVER THESE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, Thank you for your response to my recent inquiry regarding the charged-off account listed in my name. 

While I acknowledge that the last payment on the account was made on XX/XX/XXXX, and that the account was officially charged off on XX/XX/XXXX, I would like to express my continued concern about how this account is currently being reported to the credit bureaus. 

I understand that under the Fair Credit Reporting Act ( FCRA ), a charged-off account may remain on my credit report for up to seven years from the date of first delinquency. However, I am requesting a re-examination or update of the current reporting status to ensure it fully reflects the accounts accurate status, including : That the account is closed and no longer active That the charge-off amount is correct and not continuing to accrue interest Whether the account has been sold or assigned to any third party Whether any additional collection activity is expected or ongoing I also want to respectfully inform you that I am currently unable to afford repayment of this charged-off account due to financial hardship. I am doing my best to manage essential living expenses and maintain basic financial stability. Given this, I am asking that XXXX consider a XXXX  adjustment to either remove or update the negative entry associated with this account, especially considering that no payment is being pursued at this time. 

Many lenders choose to work with consumers seeking to improve their credit standing by offering such adjustments as a gesture of understanding and fairness. While I realize this is not a requirement, I hope XXXX will consider this request in the spirit of cooperation. 

If removal is not possible, I would appreciate written confirmation that the account has been closed and that no further action will be taken. I would also be grateful for a copy of the final account summary, including how the charge-off amount was calculated. 

Thank you again for your time and consideration. I hope we can resolve this matter fairly, and I am willing to provide additional documentation if needed. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-27 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: UPGRADE, INC.
State: MD

Complaint narrative:
Upgrade accessed my credit report on XX/XX/year>. No purpose or reason for the inquiry was listed. What was the purpose or reason for the inquiry? And how was my information used after Upgrade obtained it? Identify and provide a copy of any documents that were related to the credit inquiry. If there was an application submitted, identify who submitted the application and what documents were submitted to identify the applicant. And if the application was denied or granted, what action did Upgrade take after that decision?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX ( XXXX ). I provided proper XXXX notice to vacate my unit and did not renew my lease. I have written proof, including an email to management dated XX/XX/year>, confirming that I gave notice and would be moving out at the end of my lease. 

Despite this, I was charged a {$1200.00} termination fee and other charges, totaling {$2400.00}. This fee is inaccurate and unfair, as I followed the required move-out process and never broke my lease. 

This debt should not be in collections or on my credit report. I am requesting an immediate investigation and removal of the invalid fees and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PR

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Transunion : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX, Account # 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 2025-07-27 00:00:00
Product: Mortgage — FHA 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I inherited the home as ride a survivorship my name was on the deed but not on the mortgage it was in my parents name XXXX and XXXX XXXX. They misapplied my payments i found out when I needed payment history to go with a new mortgage company because they said I couldn't borrow against the equity and they were not allowing any HELOC. So I was forced to go with new mortgage company in XXXX of this year. They applied late fees when they agreed to allow me to split the payments between XXXX paychecks. Did things during XXXX I never signed off on. And Misapplied funds I found out trying to go with new lender. Wouldn't tell XXXX XXXX company I was trying g to go with that I was successor of interest when my name was on deed and I had been taking the payments for years. Causing them to back out and I had to find new company and refinanced in 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 2025-07-27 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: CA

Complaint narrative:
I disputed XXXX  XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Novo Platform Inc.
State: HI

Complaint narrative:
Novo Platform, INC I had a bank account and credit card with Novo. 
One month ago, I asked to close the account and provided everything they needed.

They refused to close the account, which is actually illegal. 

Then I l also had a credit card with them. 
I was clear that I would pay the credit card, but would require a different way to pay ( due to account closure ). 

Today they sent a credit card statement. I went to go pay and it demanded I re-open dead bank account by making a deposit. ( The bank account was closed for safety reasons ). 

I asked them multiple times If I could pay via another acocunt ( different bank ) or check, and they said no. 

The thing is- the connected bank account was set to shut a month ago and they told me that it was closed. 

They are not allowing me to pay my credit card in a safe way, they lied about the bank account closure, and are attempting to force a re-open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
I applied for a {$1000.00} loan through Uprova. At the time of application and approval, there was minimal, almost non- existent information about the interest rate, XXXX XXXX or total repayment amount. I was not clearly informed that I would owe over {$3000.00} on a {$1000.00} loan. Had I known this, I would never have accepted the loan. I believe this is a case of predatory and deceptive lending, and XXXX requesting investigation and relief.

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 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Payfare International Inc.
State: GA

Complaint narrative:
In XXXX and XX/XX/year>, over {$3100.00} in unauthorized charges were made to my Lyft Direct card ( issued by XXXX and XXXX XXXX  ). These included purchases from companies like XXXX, XXXX, XXXX XXXX, XXXX ( e.g., XXXX  and XXXX ), XXXX, XXXX XXXX, and more none of which I authorized or recognized. 

I followed the dispute process and submitted updated dispute forms, transaction details, and even attempted to contact some merchants as instructed. Despite that, Payfare closed the dispute, claiming they didnt receive the updated documentation in time which I had submitted.

I also never received a replacement card ending in XXXX, which Payfare claimed funds were transferred to. That money was never accessed or recovered.

I believe the company failed to protect my account and to investigate properly. Im requesting that the CFPB help recover my funds and hold the company accountable for poor dispute handling and unresolved fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Over the past year I have received over XXXX calls from Midland Credit Management. Most of the time my call screen gets to them before I ever hear the phone ring. Most of the time they call from a new spoofed phone number. I have no debt or account with them. I believe they keep calling me to track down someone else. Previously we have told them to stop contacting me, but that request has been ignored. Lately there tactics are not identifying themselves and simple hanging up when I answer a call should it get through call screening. They also do not identify themselves when call screen asks who is calling and why they are calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-07-27 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX. THIS ACCOUNT IS NOT MINE.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The debt collector has no right to collect in the state of Florida. They are not licensed to conduct or operate business in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NV XXXX Subject : Debt Validation Request - Reported Balance : {$65.00} Status : Charged-Off Reported By : TransUnion, Experian, Equifax To Whom It May Concern, I am writing in regard to the above-referenced account that appears on my credit report. I am requesting a full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all of the following information : 1. Proof that I am legally obligated to pay this debt, including a signed agreement ; 2. A complete itemized accounting of the amount claimed, including interest and fees ; 3. Details of all payments made and any balance remaining ; 4. Documentation showing your legal authority to collect this debt in Texas ; 5. If the debt has been sold or transferred, provide proof of the full chain of title.

While this request is pending, please cease all collection efforts, including phone calls, credit reporting, or legal actions. If the debt can not be validated, it must be removed from all credit reports and no further collection activity should be taken.

Additionally, if this account is being reported to any credit bureaus, it must be marked as " disputed '' during the investigation.

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> ChexSystems, Inc. 
Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Records Due to Identity Theft XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information that appears on my XXXX consumer report. The information in question is related to the following financial institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened and/or used fraudulently without my knowledge or consent, and I am a victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request a full reinvestigation of these records and immediate removal of any fraudulent or unverifiable information related to these accounts from my consumer file. 

To assist with your investigation, I have enclosed the following documentation : A copy of my government-issued photo ID A recent utility bill or official document verifying my address A copy of the police report or FTC Identity Theft Report Any other relevant evidence supporting this dispute Please provide written confirmation once the investigation has been completed and notify me of the outcome. If these records can not be verified within 30 days, as required by law, they must be deleted from my report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX. As a result, I have become a victim of identity theft. After reviewing my credit reports, I discovered several unauthorized and fraudulent accounts that I did not open or authorize. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I do not recognize any of these companies or accounts, nor did I receive any goods or services from them. These accounts were fraudulently opened by someone else using my stolen identity. 

Actions Taken : I am formally disputing these accounts and requesting their immediate investigation and removal from my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of inaccurate and fraudulent information.

Applicable FCRA Laws Supporting My Dispute : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate the dispute within 30 days and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable.

FCRA 605B ( 15 U.S. Code 1681c-2 ) Block of information resulting from identity theft Upon providing proof of identity theft ( e.g., a police report or FTC Identity Theft Affidavit ), the consumer reporting agency must block the fraudulent information from appearing on the credit report within XXXX business days. 

FCRA 602 ( A ) Right to fair and accurate credit reporting The FCRA emphasizes that consumer reporting agencies must maintain accurate and fair credit files. Reporting fraudulent accounts caused by identity theft violates this standard.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Responsibilities of furnishers of information The companies that supplied this false information to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) have a legal duty to investigate the accuracy of the data and must correct or delete it if it is found to be inaccurate or the result of identity theft.

Company response to consumer: Closed with non-monetary relief