vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
b'As of XXXX XXXX XXXX my funds in the amount of XXXX  have been in suspension. The initial complaint was due to Mortgage Solutions Financial (MSF) adversely applying my principal payment of XXXX  as an escrow payment. Once they realized they made this mistake they initiated a "Misapplication Reversal", however they also deliberately included a previous principal payment in the amount of XXXX in that "Misapplication Reversal" when it should have remain unmolested because that was never the subject of the initial complaint just the $XXXX was. The $XXXX payment was made on XXXX XXXX XXXX On XXXX XXXX XXXX  they remained in suspension WITH THE XXXX. I have called several times to get an answer on the time window that these funds have to remain in suspension but they offer no answer. I can\'t even be transferred to the CASH Dept. that handles these type of procedures. I feel it\'s an attempt to avert reducing my principal balance. I have been paying down my loan very well and feel I\'m getting punished for being a prompt loan repayer.\n XXXXcalled MSF for update on suspended funds- no answer; left message\nXXXX called MSF for update on suspended funds- no answer; left message\nXXXX XXXX  Rep. stated that 3 different managers escalated my request to get Cash department XXXX applied to Principal. \n\nXXXX [XXXX] XXXX customer, put on hold to get supervisor to rectify the issue of suspended funds to be applied to principal balance. XXXX XXXX XXXX start date of suspended funds status. They put me on hold to get supervisor only to be directed to # XXXX  extension, I leave voicemail stating I will be filing complaint with CFPB to action my request for sending funds to principal.\n[XXXX]  Called about suspended funds status; forwarded to answering service. Left message for call back.\n[XXXX] no answer, my call forwarded to answering service- left a message for a call back.\n{XXXX} called MSF and again forwared to answering service. At this point I feel they are deliberately stonewalling my efforts to obtain information about my complaint.\n\n They hardly answer my calls and then I just get forwarded to an answering service. When they answer the phone then the representative can\'t help me and then I request a supervisor and when I\'m waiting for one, they end forwarding me to some random extension to leave a message, and I still do. But they rarely get back to me. I feel I\'m calling so much that they purposely screen and ignore my calls because they don\'t know how to reconcile my request or they simply don\'t want to be bothered. I pray that your investigation shed some light on any shady business practices going on at (MSF). I have been calling everyday to get some answers about this situation but to no avail. I have had my complaint escalated 3 times with no answers. Please help me I am desperate for answers. Thank you and have a nice day!\n\nVery Respectfully,\n\XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just discovered a credit inquiry from a company Ive never had any contact with, and I want to make it absolutely clear : I did not give my permission for this company to access my credit report. This inquiry was made without my consent, and as such, it is both unauthorized and fraudulent.

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 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
XXXX XXXX is attempting to collect a {$2400.00} rental debt. I disputed this as a joint debt and provided a signed lease and final receipt showing both my name and my ex-spouses. I requested written confirmation of any payment plan or arrangement. 

XXXX XXXX said they will only provide written confirmation if I pay half the balance upfront or agree to a lump sum settlement. They also said that if I choose a monthly payment plan, no written acknowledgment will be given until the full debt is paid. 

All communication has been over the phone ; I have not received any written documentation. This prevents me from proving to future landlords that I am addressing the debt. I believe this is unfair and possibly violates my rights under the Fair Debt Collection Practices Act. 

I request that collection efforts be paused until written confirmation of any payment plan or debt verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable items appearing on my Experian, equifax and transunion credit report dated XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are obligated to investigate and correct or delete all erroneous or incomplete items within 30 days. 

Disputed Accounts & Legal Grounds XXXX XXXX Account # XXXX Reported as charged-off with 15 derogatory months Balance and history inconsistent across all three bureaus Violations : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) Case Law : XXXX XXXX XXXXXXXX Creditors Association XXXX Account XXXX XXXX Charged-off, no collection agency listed Not consistently marked as disputed Violations : 1681g ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ) Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Dispute status varies across CRAs Inconsistent balance and activity history Violations : 1681s-2 ( a ) ( 3 ), 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXX XXXX  Account # XXXX Status shows Closed yet balance still reporting Violation : 1681s-2 ( b ) Case Law : XXXX XXXX Experian XXXX XXXX XXXX Account # XXXX Excessive late history reported without default/repossession Violation : 1681e ( b ) Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX No payment history listed; account closed years ago Violation : 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXXXXXX XXXX Inquiry Dated XX/XX/XXXX No corresponding account established XXXX lack a permissible purpose Violation : 1681b ( f ) Case Law : XXXX XXXX XXXX, XXXX My Demands : Conduct a complete reinvestigation of the above items. 

Delete or correct all items that can not be verified. 

Provide a detailed method of verification under 1681i ( a ) ( 6 ) ( B ) ( i ).

Send me an updated copy of my credit report upon completion.

Failure to comply may result in escalation to the CFPB, FTC, and legal arbitration under relevant federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
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 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 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 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 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed a hard inquiry was made on my credit file. I have not applied for any form of credit, nor have I authorized any company, lender, or third party to access my credit report. I also did not give written or verbal permission to use my Social Security XXXX in connection with any credit or lending application. 

This inquiry is both unauthorized and unlawful. It constitutes a violation of multiple federal laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b which prohibits access to consumer reports without a permissible purpose and clear consumer authorization ; The Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) which protects consumers nonpublic personal information, including SSNs ; The Identity Theft and Assumption Deterrence Act, 18 U.S. Code 1028 which criminalizes the unauthorized use of another person 's SSN or identifying information with the intent to commit fraud. 

By obtaining and using my SSN to perform a hard inquiry without my written consent, the unknown party has potentially committed a federal crime, including identity theft and unauthorized access to my personal financial information. 

I submitted formal disputes to Experian and XXXX, requesting immediate removal of this inquiry and an investigation. However, the matter remains unresolved, and I have not received a satisfactory explanation or assurance that my identity is secure. 

I am requesting the XXXX urgent assistance in : Investigating the party responsible for accessing my credit file and SSN ; Directing Experian and XXXX  to remove the unauthorized hard inquiry from my report ; Referring this case for potential criminal investigation if evidence of identity misuse is found ; Helping me protect my financial and personal identity from further misuse.

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 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Failure to Cancel Home Depot Credit Card Ending in XXXX Upon Request Potential Violations of the Truth in Lending Act and CFPB Regulations To Whom It May Concern, I am submitting this complaint against Citibank, N.A., the issuer of the Home Depot Credit Card, for failing to cancel my credit card account ending in XXXX, despite my explicit and repeated requests to do so. 

Account Details : Creditor : Citibank , N.A . ( Home Depot Credit Card ) Account Number ( Last 4 Digits ) : XXXX Nature of the Issue : I requested closure of my Home Depot / CitiBank credit card account through my Home Depot Chat secure message chat box communication method. Despite these requests, Citibank has not canceled the account, and the card remains active/open in my credit report and their system. 

Issues and Impact : Unauthorized Maintenance of an Open Credit Line : Citibank is continuing to maintain the account in an open status despite my clear instruction to cancel. This exposes me to unwanted risk of unauthorized use, identity theft, or account fees. 

Negative Credit Reporting Risk : The open account affects my credit utilization ratio and credit profile. Keeping a line of credit open without my consent alters my financial profile and may mislead lenders evaluating my creditworthiness.

Failure to Provide Written Confirmation or Follow-Up : I have not received proper written acknowledgment or confirmation of account closure, which is standard practice when a customer requests account cancellation.

Legal and Regulatory Violations : This conduct may constitute violations of the following : - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : By failing to honor my request to terminate the credit card agreement, Citibank may be in violation of its obligations to disclose terms and honor termination rights.

- CFPB Regulation Z ( 12 C.F.R. 1026 ) : Governs consumer credit card accounts and requires that issuers provide clear disclosures and comply with consumer instructions.

- Unfair or Deceptive Acts or Practices ( UDAP ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, continuing to maintain a consumer credit account after a clear cancellation request may be deemed an unfair practice.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against XXXX XXXX XXXX regarding the handling of my student loan account, specifically due to a lack of communication, unauthorized negative credit reporting, and an improperly managed forbearance agreement.

Issue Summary : I did not receive any mail notifications regarding my student loan account because the servicer had an incorrect mailing address on file. 

Email notifications were sent to an work email address and did not appear in my primary inbox it was going to spam box. 

I was unable to access the online account portal until XXXX XXXX which prevented me from being aware of the account status. 

Upon checking my credit report, I discovered that my credit score had significantly dropped due to reported late payments on my student loan account.

In an effort to prevent further damage, I set up a forbearance agreement with the servicer immediately upon becoming aware of the situation.

However, I was not given the opportunity to resolve the issue before negative information was reported to the credit bureaus.

Violation of Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ) : The servicer failed to provide the required Initial Communication Notice within five days of initial contact, which should have included the amount of the debt, the creditors name, and my right to dispute the debt.

Violation of Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : The negative credit reporting of late payments is inaccurate because I was never properly notified, and I was not given a chance to resolve the situation before my credit was impacted.

Due to this situation, I am currently unable to obtain a student loan to complete my degree program. This has caused significant stress and disruption to my educational goals. 

I have attached any supporting documents. 

Thank you for your prompt attention to this matter.

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 2025-05-15 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: TN

Complaint narrative:
Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against XXXX XXXX XXXX regarding the handling of my student loan account, specifically due to a lack of communication, unauthorized negative credit reporting, and an improperly managed forbearance agreement.

Issue Summary : I did not receive any mail notifications regarding my student loan account because the servicer had an incorrect mailing address on file.

Email notifications were sent to an work email address and did not appear in my primary inbox it was going to spam box.

I was unable to access the online account portal until XXXX XXXX which prevented me from being aware of the account status. 

Upon checking my credit report, I discovered that my credit score had significantly dropped due to reported late payments on my student loan account. 

In an effort to prevent further damage, I set up a forbearance agreement with the servicer immediately upon becoming aware of the situation. 

However, I was not given the opportunity to resolve the issue before negative information was reported to the credit bureaus. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ) : The servicer failed to provide the required Initial Communication Notice within five days of initial contact, which should have included the amount of the debt, the creditors name, and my right to dispute the debt.

Violation of Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : The negative credit reporting of late payments is inaccurate because I was never properly notified, and I was not given a chance to resolve the situation before my credit was impacted. 

Due to this situation, I am currently unable to obtain a student loan to complete my degree program. This has caused significant stress and disruption to my educational goals. 

I have attached any supporting documents. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against XXXX XXXX XXXX regarding the handling of my student loan account, specifically due to a lack of communication, unauthorized negative credit reporting, and an improperly managed forbearance agreement.

Issue Summary : I did not receive any mail notifications regarding my student loan account because the servicer had an incorrect mailing address on file.

Email notifications were sent to an work email address and did not appear in my primary inbox it was going to spam box. 

I was unable to access the online account portal until XXXX XXXX which prevented me from being aware of the account status. 

Upon checking my credit report, I discovered that my credit score had significantly dropped due to reported late payments on my student loan account.

In an effort to prevent further damage, I set up a forbearance agreement with the servicer immediately upon becoming aware of the situation.

However, I was not given the opportunity to resolve the issue before negative information was reported to the credit bureaus.

Violation of Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ) : The servicer failed to provide the required Initial Communication Notice within five days of initial contact, which should have included the amount of the debt, the creditors name, and my right to dispute the debt. 

Violation of Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : The negative credit reporting of late payments is inaccurate because I was never properly notified, and I was not given a chance to resolve the situation before my credit was impacted.

Due to this situation, I am currently unable to obtain a student loan to complete my degree program. This has caused significant stress and disruption to my educational goals. 

I have attached any supporting documents. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting
agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief