vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I was having trouble making my payments after the death of my brothers and fraud on my checking account. I contact a rentention group/pathway mortgage we did a conference call on XX/XX/XXXX with the service writer, rentention group, and myself to discuss options they told.us the sale date would be XXXX XXXX. Inhad a real estate agent knock my door last Thursday XX/XX/XXXX saying your house was sold on XX/XX/XXXX 3 days after talking to them with the rentention group. I had no idea didnt receive any notices the real estate agency told me to sign the paperwork she gave me and would pickup on XX/XX/XXXX but when I read the paperwork it said 10 days and Wednesday would have been only 7 days the real estate agent said she would have to go back to the lender because she didn't know it stated 10 days The lender has not notify me of the foreclourse or the sale of the home and then tried to have been sign paperwork before the time expired on the paperwork. Pennymac has misppalied payments before said they didn't receive payments when I provide a bank statement proving the payments were made then they tell me the banking statements don't prove anything but yet that is what they asked for to prove payments and didn't want to except the statements as a receipt never applied the payments I had to come with XXXX the first of last year because of them to save my home and now this. I called pennymac yesterday XX/XX/XXXX and asked them for prove that they notify me of the foreclourse and pretty much said your house has been sold to bad to sad. Pennymac doesn't seem to be following the law and foreclourse my housr illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: UT

Complaint narrative:
A few years ago, I started receiving information about a Reliacard, around COVID. This is something I've never applied for. I have had the hardest time trying to change my information on the account or to gain access because I don't have the card they're referring to. It has been so difficult to reach customer service because they require the card that I don't have access to.

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 2025-04-10 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 a victim of identity theft which should be noted in the credit bureaus system. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter, also section 605 ( b ) 15 U.S.C 1681 c-2 requires consumer reporting agencies to block the reporting information in a consumers file that the claims resulted from identity theft.

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 2025-04-10 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: FL

Complaint narrative:
I am a victim of identity theft which should be noted in the credit bureaus system. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter, also section 605 ( b ) 15 U.S.C 1681 c-2 requires consumer reporting agencies to block the reporting information in a consumers file that the claims resulted from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

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 2025-04-10 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:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
XX/XX/year> ( call made to XXXX ECSI per their invoice ) ECSI continues to bill ( XXXX dollars or so ) me and harm my creditworthiness because they refuse to uphold XXXX  loan forgiveness statutes/federal law. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and within a XXXX XXXX area ( impoverished area ). Over the past several years, they have also done this with excuses like, " It is the incorrect paperwork per customer service and management '' and/or " we never received your paperwork, '' even though the USPS signature was verified. I am struggling to make ends meet, so any saved money is good for my family. This company stong arms their clients to frustrate them and ultimately, have them begin paying again. I have applied for my fifth ( XXXX ) year of deferment ( and cancellation after this year ) with ECSI. Again, they are refusing to process my deferment paperwork even though the paperwork I filled out was printed from their website - their argument is it is not from their website ( this is the same way they attempted to push the " goal post '' further and further back, last year, until I filed a complaint ). Please help me and other XXXX 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith
pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-10 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-04-10 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Equity Sales Finance, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a loan that I was told I qualified for with a XXXX or above XXXX score. My XXXX credit score was XXXX but I was still denied the loan. This application would is not valid due to false information. They then sent me a letter of denial with an inaccurate credit score of XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong to me.

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 2025-04-10 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: MI

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have tried to work with this company for a year now on getting something setup for my account. We were scammed by a home addition contractor in XX/XX/XXXX, and I paid monthly on this loan, even though the money was not there because we were scammed, up until I tried to setup a settlement payment plan in XXXX, XXXX. At that time, the agent on the phone told me that I could pay a lump-sum settlement amount, which I couldn't afford, or I could start paying on the full principal amount. I agreed to that, and started paying on the principal amount of {$8100.00}. I later found out that the principal amount ballooned to {$12000.00}, and I have only been paying on " interest and fees '' on this amount, since last XXXX. See screenshot of that current amount. 
I have worked hard for the last month to try and setup a settlement payment plan for {$5000.00}, payable at the same monthly payment of {$240.00}, until {$5000.00} is paid off and the account closed. The company initially rejected this, then agreed to it, in writing, but stated that I would have to " call in to finalize the plan ''. I called in on XX/XX/XXXX, but the agent told me the {$5000.00} proposal is " being rejected because I have to pay this amount within 90 days. I told the agent this was unacceptable, and that I have it, IN WRITING, that a {$5000.00} settlement proposal was accepted, with monthly payments of {$240.00}, until the {$5000.00} is paid off. She, and a " manager '', both stated that this would not be honored. I told her I have it in WRITING that this proposal was accepted, and I even forwarded the screen shots to her, to which she stated it would have to be " paid within 90 days '', and that the {$240.00} monthly payment would not work. I sent another email right after that regarding the phone call, and received an email on XX/XX/XXXX from the " final resolution '' department, stating that they had received my complaint and that I " would hear back within 10 business days ''. I also included screen shots of the emails stating that the {$5000.00} settlement amount, payable at {$240.00} monthly, would be accepted. The 10 business day window has passed, and I have not heard any reply from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am submitting this new complaint because NCB Management Services has failed to honor their written statement provided in response to my prior CFPB complaint ( ID : XXXX ), in which they claimed they would request deletion of the disputed tradeline from all credit bureaus. Despite this promise, the tradeline remains on my credit reports well beyond the 3060 day timeframe they referenced. This constitutes a deceptive practice and undermines the resolution process facilitated by the CFPB. 

Furthermore, the documentation NCB provided continues to contain conflicting information regarding the accounts date of sale, date opened, and the timeline of their acquisition. These inconsistencies indicate inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). Their continued failure to correct or remove the tradelinedespite agreeing to do sodemonstrates both negligence and bad faith in their credit reporting practices. I am requesting immediate action from the CFPB to ensure NCB is held accountable, that the tradeline is permanently removed from all credit bureaus, and that NCB is reviewed for continued FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX. Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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