vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Select Portfolio Servicing, XXXX XXXX, and formerly XXXX XXXXXXXX XXXX  regarding a fraudulent mortgage that was placed on my late grandmother 's home.

The original loan was satisfied and a Deed of Release was filed in 2001. Years later, a loan modification agreement for {$200000.00} was created, although there is no record of funds being disbursed to my grandmother. The HUD-1 Settlement Statement clearly lists this as a * * new loan * *, not a modification.

She continued making payments under the false belief that the original loan was still active, while being elderly and under financial stress. We believe this constitutes * * mortgage fraud * * and * * elder financial abuse * *. Please investigate this matter and assist in preventing foreclosure proceedings that are curre
ntly being threatened by SPS on a debt that appears to be unlawfully created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 2025-07-18 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: TX

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to 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 non-monetary relief
Consumer complaint received 2025-07-18 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

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 2025-07-18 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a recent cash-out refinance attempt through SOFI Bank that resulted in an unnecessary hard credit inquiry and poor loan handling due to inadequate upfront diligence by the lender. 

On XX/XX/year>, I submitted an online application with SOFI Bank for a cash-out refinance of my fully paid-off townhome in New Jersey, with an estimated value of {$400000.00}. I was seeking a Cash out refinance of 68.75 % or {$270000.00}. 

On XX/XX/year>, I had a conversation with a XXXX loan officer ( XXXX ) to explain my goals and the property details, including that it was a townhome governed by a homeowners association ( HOA ). I promptly submitted all required documentation, including property information. 

On XX/XX/year>, based on our discussions and the apparent progress of the loan, I authorized a hard credit inquiry. 

However, on XX/XX/year>, the loan officer informed me that the property was found to be non-warrantable and therefore ineligible for the cash out refinance due to deferred maintenance/critical repairs related to the HOA. This was tied to a state project ID : XXXX. 

This should have been discovered and disclosed before the credit pull especially given that it involved common HOA risks known to affect warrantability. I trusted that SOFI would follow standard lending practices, including an early review of warrantability factors ( such as HOA status, financials, and maintenance obligations ), before proceeding with credit-impacting actions. 

As a result of this oversight : A hard inquiry was added to my credit report unnecessarily My credit score was negatively affected I wasted time and effort on a loan that was never viable under the propertys current condition I am requesting the following : 1. A formal explanation of why warrantability was not assessed before the credit inquiry 2. Assistance with removal of the hard inquiry from my credit report, or a goodwill letter issued to the credit bureaus 3. A letter of explanation acknowledging that the inquiry occurred under the assumption that the property was eligible 4. Improvements in SOFIs process to protect future borrowers from similar issues Had SOFI properly evaluated the HOA warrantability status at the outset, I would never have proceeded to the credit inquiry stage. I hope SOFI will take accountability and provide an appropriate resolution in good faith. 

Sincerely, XXXX XXXX Application Submitted : XX/XX/year> Phone Consultation with Loan Officer : XX/XX/year> Credit Inquiry Authorized : XX/XX/year> Non-Warrantable Status Disclosed by SOFI : XX/XX/year> State Project ID ( Deferred Maintenance ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am formally disputing the presence of unauthorized accounts reported under my name. I did not open, authorize, or manage these accounts, and their inclusion in my credit report is both false and unacceptable. 
These inaccuracies distort my financial history and compromise the integrity of my credit file. I demand immediate clarification on the origin of these accounts and identification of the reporting party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the 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 2025-07-18 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a formal complaint against the Home Retention/Loss Mitigation Department of PenFed Credit Union for engaging in deceptive and misleading debt collection practices. Between XX/XX/XXXX, to the present, I have been in regular communication with PenFed regarding a home equity line of credit they claimed I owed. Despite my efforts to cooperate and resolve the matter, I consistently received incorrect, incomplete, and misleading information regarding the process for submitting a hardship application for loan modification following the expiration of my forbearance period in XX/XX/XXXX. 

PenFed 's representatives issued threats of foreclosure and failed to provide the necessary guidance for me to submit required documents accurately and on time. Their actions appeared aimed at complicating my ability to meet payment obligations rather than assisting in retaining my home. This experience left me feeling intimidated, unsupported, and emotionally distressed, with no clear or honest path forward to resolve the situation and avoid potential loss of property. All calls were recorded by Penfed and/or myself.

Key Dates and Events : XX/XX/XXXX : I was directly impacted by Hurricane Beryl, resulting in significant damage to my home and finances. 

XXXX XXXX : Following the disaster, I requested hardship assistance from PenFed and was approved for a 6-month forbearance period. 

XX/XX/XXXX : Despite being under forbearance, I made a voluntary payment of {$270.00} as a good-faith effort. 

XX/XX/XXXX : My loan modification request was denied, citing insufficient income. 

XXXX XX/XX/XXXX : Despite being in forbearance, I received threatening calls from PenFed demanding immediate payment. 

XX/XX/XXXX : Under duress and fear of foreclosure, I borrowed funds to pay {$540.00}, coerced by deceptive collection tactics. 

XXXX to XX/XX/XXXX : I made additional payments totaling {$820.00}, despite ongoing financial hardship. 

XX/XX/XXXX : PenFed offered a voluntary loan modification that was financially burdensome and not based on my actual financial condition. 

XX/XX/XXXX : I submitted a complete hardship application, which PenFed later claimed was never reviewed. 

Late XX/XX/XXXX : PenFed refused to review my new application and threatened foreclosure, despite my efforts to comply.

Alleged Violations : Failure to Appropriately Review a Complete Loss Mitigation Application ( 12 CFR 1024.41 ( c ) ).

Deceptive and Misleading Representations under 15 U.S.C. 1692e.

Failure to Provide Clear and Accurate Loss Mitigation Guidance under CFPB guidelines.

Emotional Distress and Unfair Treatment under 15 U.S.C. 1692d and 15 U.S.C. 1692f.

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 2025-07-18 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a formal dispute to Start Auto Finance regarding the reporting of a repossession account with an unpaid balance of {$7300.00}. I requested full documentation of the sale of the repossessed vehicle and a detailed breakdown of how the deficiency balance was calculated. Since then, Start Auto Finance has not provided the requested documentation or updated the payment status since XXXX. The account appears to report an inflated or incomplete deficiency balance, which may violate 15 U.S.C. 1681e ( b ) and 1681i ( a ). This inaccurate reporting is harming my credit, and I am requesting deletion of the account unless Start Auto Finance can provide the required documentation to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account XXXXXXXX XXXX,  and XXXX. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief