vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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 am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple inaccurate, inconsistent, and unverified items that are damaging my creditworthiness and violating my rights under the FCRA, including 611, 623 ( a ) ( 2 ), 623 ( b ), 604 ( a ), and 605 ( a ). Experian is reporting incorrect addresses, including XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, along with an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I never approved, which raises concerns regarding permissible purpose under 604 ( a ). Equifax is listing addresses I have never lived XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also reporting accounts from Farmers XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that show conflicting dates of last activity, outdated information, and potentially inaccurate DOFDs in violation of 623 ( a ) ( 5 ) and 605 ( a ). TransUnion is reporting incorrect addresses such as 532 XXXX XXXX, GA XXXX and XXXX Florida XXXX, GA XXXX, as well as a collection account from PROF DEBT for the original creditor XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent dates, unclear balance validation, and potential violations under FDCPA 807, 808, and 809 due to lack of proper validation and misleading reporting. These errors across all three bureaus have created a false financial profile that misrepresents my identity and obligations, and despite my disputes, the information continues to appear without proper verification, violating their obligations to ensure accuracy under 607 ( b ). I am requesting the CFPB to review these discrepancies and hold Experian, Equifax, TransUnion, and the involved furnishers accountable for failing to delete inaccurate information as required under federal 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 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Newrez /Shell point Went up on our mortgage {$1000.00}., With No explanation or no prior notice. They partnered with an Insurance company ( safeco ) who charged us {$16000.00} a year for Home owners insurance. When they told us this we immediately reach out to the insurance company and canceled. They sent a refund of ( {$15000.00}. ) We deposit the check waited for it to clear and it was placed back in escrow, via bank draft. We obtained a new annual Home owners policy with state farm for ( {$3400.00}. ). We sent them the Declaration page and they issued payment. They did an analysis and there no adjustment, they never included the money refunded back into escrow, intact the estimated cost for insurance was ( {$11000.00}. ) an on the report they claim actual cost for insurance was ( {$19000.00}. ) for the year, Never deducted the ( {$15000.00}. ) refund returned not to mention the actual amount of ( {$3500.00}. ). Then they claimed the did not get the Declaration Page from XXXX XXXX XXXX but the issued paymentXX/XX/XXXX months prior., based on what The Declaration page. Then they sent a bogus letter saying the may have to charge us {$1000.00} of dollars more for hazard insurance. That will not cover anything. and wont pay out in case of a Hazard. We have Hazard and Dwelling coverage is the same thing on our policy we purchased from XXXX XXXX. They been over charging us for insurance last year during Helena we suffered damage and lost and was paid ( {$950.00} ) by the same bogus Insurance company they partnered with to pay ( {$16000.00} ) this year. We have a fixed rate mortgageXXXX 2.75 % for XX/XX/XXXX years why has our mortgage balance increased instead of decreasing. I would like a change in mortgages servicing company 's Newrez/Shellpoint are corrupted and stealing from the client base they supposed to be servicing. They had also change the passwords on our login with out us knowing and we can not still login to see the analysis we are waiting on. Please help us. We want an analysis that reflects our actual cost and. We want to have you recive a copy of everything they send us so you can check over it. They are un trust worthy and have a very bad reputation amoung home owners for their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Despite the escrow account having sufficient funds, Newrez failed to make the required property tax payment to the XXXXXXXX XXXX XXXXXXXX. As a result, I received an official Tax Sale Notice, stating that my home would be included in the upcoming tax sale. 

This situation should never happen when a servicer is contractually responsible for managing escrow disbursements. The failure was entirely due to Newrez not fulfilling their obligation. 

To avoid losing my property in the tax sale, I was forced to pay the property taxes myself before the deadline, even though this is the servicers responsibility and escrow funds were available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My auto loan account was incorrectly marked delinquent and sent to collections due to a reversed payment that the lender failed to notify me about, despite the payment being made within the correct billing cycle. 

On XX/XX/XXXX, I made a {$450.00} payment for my auto loan to cover the installment due on XX/XX/XXXX. The lenders billing cycle runs from XX/XX/XXXX to XX/XX/XXXX, and my payment was submitted within the proper billing cycle, meaning it should have satisfied the XX/XX/XXXX installment. On XX/XX/XXXX, the lender reversed my XX/XX/XXXX payment for insufficient funds, but did not provide me with any notification, no email, phone call, letter, or message. I was completely unaware that the payment had been reversed. On XX/XX/XXXX, when I attempted to make the next installment payment ( covering the August XXXX XXXX  billing cycle ), I discovered that the account had already been marked overdue. At that time, I immediately corrected the reversed XXXX installment by paying {$450.00} that same day. 

Despite acting in good faith and making both payments within the proper scheduling windows, I received notification that the account had been sent to collections for a " missed '' XXXX payment. This is inaccurate for the following reasons : -The XXXX installment was attempted on time ( XX/XX/XXXX ), within the billing cycle. 
-The payment was reversed on XX/XX/XXXX, but the lender never notified me, preventing me from correcting it before delinquency actions were taken. 
-The account was sent to collections before I had any reasonable opportunity to address the reversal. 
-I made the corrective payment on XX/XX/XXXX, within the next billing cycle, restoring the account to good standing. 

This sequence demonstrates improper collections placement, failure to notify me of a reversed payment, misapplied payment timelines, and incorrect delinquency reporting.

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 2025-11-20 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. My credit file contains multiple hard inquiries that were made without my knowledge, authorization, or permissible purpose, in direct violation of 15 U.S.C. 1681b. These inquiries were allegedly initiated by several auto dealers and financial institutions, none of whom had my consent to access my credit report. 

I have filed an official FTC Identity Theft Report ( Report XXXX. XXXX ), affirming under penalty of perjury that these inquiries were fraudulent and tied to identity theft. Despite this, the credit reporting agencies ( Equifax, Experian, and TransUnion ) have failed to delete the unauthorized inquiries or provide any signed authorization proving they had a legal basis to allow access to my file. 

I also requested a Method of Verification under 15 U.S.C. 1681i, asking each credit bureau to provide evidence supporting the inquiries, and explicitly requested that they do not use the automated e-OSCAR system, which does not meet the statutory requirement of a reasonable investigation. The bureaus either failed to provide proper verification or ignored the request completely.

Their failure to delete fraudulent inquiries, and their refusal to conduct a lawful, reasonable investigation, constitute willful and negligent noncompliance with the FCRA under 1681n and 1681o.

I have attached the FTC Identity Theft Report, identification documents, and copies of the letters sent to each credit bureau.

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 2025-11-20 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: OR

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  NY XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX  PA XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
XX/XX/2025 XXXX sent redemption email for {$300.00} with reward code XXXX to XXXX ( issued to XXXX XXXX ). 
- XXXX XXXX XXXX MyPrepaidCenter transaction history shows an Online load of {$300.00} and subsequent posted transactions on card ending XXXX ( XXXX XXXX ). 
- XX/XX/2025 XXXX Support confirmed Case XXXX opened via phone. 
XXXX XXXX XXXX XXXX Multiple emails and case openings with Blackhawk ; cases include XXXX, XXXX, XXXX ; I requested reissue and updates. 
- XX/XX/2025 XXXX dispute case XXXX closed with {$110.00} credit issued per XXXX correspondence. 
- XXXX XXXX XXXX Blackhawk records assert a refund check/postcard for {$110.00} was mailed and cashed in XX/XX/2025 ( per XXXX correspondence ). 
- XX/XX/2025 I filed CFPB Complaint XXXX. 
- XX/XX/2025 XXXX dispute email ( XXXX ) to XXXX XXXX documents resolution and check issuance/cashing related to that dispute. 
- XX/XX/2025 Blackhawks response to CFPB states dispute investigated and refund check cashed ; company marks matter resolved. 
XXXX XXXX XXXX XXXX I captured MyPrepaidCenter screenshots confirming card ending XXXX ( registered to XXXX XXXX ), XXXX XXXXXXXX, transaction history, and ending balance {$110.00} ; I also retain the Shoreline redemption email showing my reward code XXXX  and {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I have made my payments on time and have spoke to representatives about payment issues with the app and still was marked late twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-20 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this letter as a formal dispute of several addresses currently appearing on my credit report that I believe to be inaccurate, unverifiable, or improperly reported. These addresses do not align with my verified personal or financial records and may indicate file-mixing or identity-related errors. Their presence has negatively affected the accuracy and integrity of my credit profile. 


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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