vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
My mortgage is serviced via Fay Loan Servicing. I missed a payment for XX/XX/XXXX and reached out via phone to make the payment and bring everything current. Since it was past 30 days, they would not let me make the payment via the online portal and said I had to call. When I called, I requested the payoff amount and they told me that I couldn't pay over the phone nor could they tell me the payoff amount, but that I had to wait for my " point of contact to reach out to me ''. 

It wasn't until the next week that I received an email. When I did, the initial email did not contain the payoff amount. I had to request it again from my point of contact, who didn't share it for another XXXX hours. When she did share it, the payoff amount was given as " payoff amount to bring loan current + pay for the next month if paid before XX/XX/XXXX '' which was more than a week away. The note has an interest rate on any late amounts that is charged on a " per day '' basis. Rather than giving me the amount owed when I initially requested the payoff ( or even the day she sent it ), she sent the accumulated amount for a week in the future. 

Nonetheless, I remitted the full amount per wire prior to the XX/XX/XXXX date. I reached out to confirm that it was received on Saturday, XX/XX/XXXX. It is now Wednesday, XX/XX/XXXX and I have yet to receive any confirmation from my " point of contact ''. My online portal also shows that the XXXX payment was never applied as I was told it would be. 

Furthermore, each time you log into their online portal, it says " let 's change your password '' and makes you update your password. I am now on my XXXX password, and if I don't write them down, there is no way I can remember them. And I forget it, then I can't login and make payments. 

It is clear that Fay Loan Servicing is purposely engaging in a number of practices which are designed to make it more difficult for customers to properly remit on-time payment, allowing Fay Loan Servicing to collect additional interest and other charges. I am a relatively intellectually savvy individual and if I am having trouble with this process, I can only imagine how many others are being taken advantage of in a similar manner. 

I have another mortgage with another provider that services online and there are none of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
" On XX/XX/year>, a letter was received from Planet Home Lending demanding a payment of {$12000.00}. This amount was incorrect, as the loan is current and has been on auto-pay. On that same date, an extra {$1000.00} payment towards the escrow account had also been made. 
Planet Home Lending was immediately contacted about this issue. The initial agent had a dismissive attitude. Concerns were not taken seriously, and the agent suggested the demand for payment was due to a verbal agreement that had not been made. They also attempted to transfer to the XXXXloss mitigation ' department, which handles delinquent loans, despite the account being current. 
The issue was escalated to a supervisor named XXXX ( ID : XXXX  ). XXXX 's explanation for the letter was different. He stated that the letter was sent by mistake and was meant for another customer with a delinquent loan. 
After XXXX admitted the mistake, he initially refused to send a letter confirming the error. It was necessary to press for a documented resolution, and it was only then that he agreed to research the issue and send a letter. Given the inconsistent and dismissive treatment received, a verbal promise is not sufficient to resolve this matter. 
A formal, written explanation of how this situation occurred is requested, and how Planet Home Lending 's systems allowed a letter for a delinquent loan to be sent to a current one. Written confirmation is also required that the incorrect debt has been completely removed from the account and that the loan is current and in good standing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
requested credit card replacement for a lost credit card with FNBO on XX/XX/XXXX notified customer service that I was traveling an was advised to pay {$25.00} expedited fee which I agreed to.on XX/XX/XXXX card didn't arrive called the bank was told that it was shipped via XXXX but they will not provide tracking number but they agreed to waive expedited fee .today on XX/XX/XXXX after all the waiting card still didn't arrive the worst customer service care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-03 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: NV

Complaint narrative:
I dispute this late entry as it inaccurately reflects my payment history. Kindly update my account.

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 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I have been enrolled in the Federal SAVE loan repayment program, which subsidizes interest payments based on income. I received a letter from my loan servicer, Aidvantage, on XX/XX/XXXX that my loan would be in administrative forbearance until a court decision was made about this repayment program. I sent a letter to inquire about whether or not an interest rate of 6 % would accrue, and I received a response stating that starting XX/XX/XXXX and extending until XX/XX/XXXX, my loan would be re-enrolled in the SAVE program with $ 0 monthly payments for 6 months ( even though my math says XXXX is only 5 months ). I started a chat with an Aidvantage representative to inquire if this re-enrollment meant that in addition to {$0.00} payments, I would also have interest accrual subsidized as it has been previously under the rules of the SAVE plan. The representatives response was that interest would accrue despite being enrolled in this repayment plan. To my knowledge, that would violate SAVE regulations. Can you please assist me with finding out if my interest will be subsidized? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I am a victim of identity theft. There are some fraudulent accounts on my XXXX credit reporting bureaus. Ive never gacw permission or authorization to open these accounts. These accounts are listed on the ftc report. Inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I dispute the accuracy of the above account ( s ). Specifically : ( 1 ) payments I made are not reflected ; ( 2 ) reported balances contain calculation errors ; ( 3 ) I did not receive the required 21-day notice before any due date ; and ( 4 ) these accounts are appearing under my name without my authorization I never opened, authorized, or managed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: IL

Complaint narrative:
I am disputing a fraudulent XXXX account that was reported on my credit file. I filed an identity theft report and notified XXXX that I never applied for or authorized this account. Instead of removing it, XXXX denied my dispute and only sent me a generic Truth in Lending Disclosure, which does not prove I opened or used this account. 


Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Affirm is required to cease reporting fraudulent information once notified of identity theft. They have failed to comply. 

I am requesting that the CFPB require XXXX to : Permanently delete this fraudulent account from my credit reports. 
Provide proof of actual authorization ( signed application, IP/device data, etc. ) or stop furnishing inaccurate information. 
Confirm compliance in writing. 




I have attached my identity theft report and supporting documents to verify my claim.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Reinsertion of Previously Deleted Credit Entry\n\nTo Whom It May Concern:\n\nI am writing to formally request the reinsertion of a previously deleted itemm from my credit report. The account in question is:\nCreditor Name: XXXX XXXX XXXXAccount Number: XXXXDate of Deletion: XXXXType of Account:Auto Loan\n\nCreditor Name: XXXX BANK\nAccount Number: XXXXDate of Deletion: XXXXType of Account: Credit Card, etc\n\nCreditor Name: XXXX XXXX XXXXAccount Number: XXXXDate of Deletion: XXXXType of Account: Installment\n\nCreditor Name: XXXX  BANK\nAccount Number: XXXXDate of Deletion: XXXXType of Account: revolving \n\n    Creditor Name: XXXX BANK\nAccount Number: XXXXDate of Deletion: XXXXType of Account: credit card\n\n    Creditor Name: XXXX  BANK\nAccount Number: XXXXDate of Deletion: XXXXType of Account: credit card\nRental \n\nCreditor Name:payment XXXXXXXXAccount Number: XXXXDate of Deletion: XXXXType of Account: Rental Agreement \n\nThis account was previously deleted from my credit file following a dispute; however, I now have documentation and verification confirming the accuracy and legitimacy of the account. I am requesting that the tradeline be reinserted into my credit file to reflect a complete and accurate credit history.\n\nEnclosed, you will find supporting documentation including:\nA letter or communication from the creditor verifying the account\nPayment records or account statements\nAny other documents establishing the validity of the account\n\nAs outlined under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(5)(B), a consumer may request reinsertion of a deleted item, provided that the furnisher verifies the accuracy of the data.\n\nPlease notify me in writing once the reinsertion is complete, and provide a copy of my updated credit report.\n\nThank you for your attention to this matter.\n\nSincerely,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 2025-09-03 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: FL

Complaint narrative:
I am formally disputing the following unauthorized credit inquiries that appear on my Experian credit report. These inquiries were not initiated, authorized, or approved by me and are the direct result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. Since I did not authorize these inquiries, they are unlawful and must be deleted. 

Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/year> 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 XXXXXX/XX/year> XXXX XXXX XX/XX/year> Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute and demand reinvestigation of these inaccuracies. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), all information that is the result of identity theft must be blocked from my file once I provide supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: MD

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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