vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: NY

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.

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 seven 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
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: UT

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XXXXXX/XX/year>

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 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : UTAH XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UTAH XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX Account Name : Federal # XXXX Account XXXX : Federal # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a negative credit report related to a debt from XXXX XXXX XXXX also Operating under XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This apartment complex has reported that I owe an incorrect balance totaling XXXX to my credit file Account Number XXXX However, I have since learned that they have sold the debt to a Fair Collections Outsourcing. Which is now reporting it separately. The debt is inaccurate because while I was living there it was operating under two names with two different systems to pay. while the complete balance is inaccurate, In the original contract between the original creditor and I a higher than usual deposit was paid to secure any unpaid debt, damages, etc. to the property. I moved out in XXXX XXXX XXXX but it says that the debt collector reported the information XXXX XXXX but it didn't show up on my credit report until XXXX XXXX which I immediately disputed. It came back as verified through the credit reporting agency XXXX, in which then I requested a description of the reinvestigation procedure Under law 15 USC 1681i. I have contacted the debt collector FCO certified mail asking for validation bearing my wet signature including me opting in to my information being sold to a 3rd party company. they sent back a identity theft packet not verification. I also asked them to cease and desist any further credit reporting, which they did not. This inaccurate reporting has negatively impacted my credit score and financial standing. I am requesting that the CFPB investigate this matter, including the apartment complexes reporting practices and the actions of Fair Collections Outsourcing. Additionally, I request that any incorrect, duplicate, or unfair entries be corrected or removed from my credit report. Thank You So Much 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
The federal student loan COVID-19 forbearance program ended in XX/XX/XXXX. However, payments were not re-amortized on my federal student loans currently serviced by Nelnet until very recently. The new payment amount that is effective starting with the XX/XX/XXXX payment will nearly double my payment from {$180.00} per month to {$360.00} per month. I'm fortunate that my current financial position allows me to be able to handle the increased payment amount, but I am sure there are likely many borrowers who are not in the same position. The re-amortization should have occurred once the forbearance ended to reduce the impact to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-03-27 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim, of identity theft and have been for quite a while. This account has been on my credit report and has negatively impacted my life. I just want this nightmare to be over! Please help. I really appreciate it!

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 2025-03-27 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Modern Mortgage Financial, LLC
State: CA

Complaint narrative:
I was in the process of closing a home equity loan with my current lender when I was solicited by XXXX XXXX at Modern Mortgage Financial ( XX/XX/25 ). He gave me an NMLS number of XXXX but I do not think this number belongs to him but rather the broker. He promised a better loan than I currently had secured so I put the other loan I had on hold. I asked XXXX for a quote on interest rate and closing costs but he said he needed more information which I gave. He told me via text that he had me quoted at a 6.75 % interest rate and a payment of {$540.00} ( XX/XX/25 ). I told him that was better than what I currently had and I would proceed with that. Over the next several days XXXX requested more and more information without giving me anything else in writing. I told him I needed to know what the situation was or I needed to move on with the loan I currently had available as they wanted me to sign documents. On Monday the XXXX I received notice from my insurance company that a mortgage company was added as a second to my policy without my permission. I was upset and asked XXXX why when I had not even seen loan docs. He told me he would send initial disclosures over to sign. When I looked at the initial disclosures it was for an interest rate of 7.875 % and a payment of {$750.00}. This was 1 and 1/8 percent higher than what he quoted me and more than {$200.00} a month higher. I text him about the situation asking him to call me and I received no response. The following morning ( XX/XX/25 ) I told him I would be filing a complaint. Shortly after I received a phone call from an unnamed manager. He apologized for what happened and said XXXX was a " new agent ''. He told me he could get a better deal for me than what I was given in the disclosures. The " manager '' said he would call me back later that day with more information. I heard nothing. The next day ( XX/XX/25 ) I sent XXXX a mesage asking if there was an update. XXXX 's response was " Yes. We're in a meeting right now but we will absolutely be giving you a call back this afternoon. ". Again, I heard nothing. This morning at XXXX ( XX/XX/25 ) I asked if I would be hearing from someone. I have not received a response. Not only did they quote something and change the terms of the loan on me. They have repeatedly wasted my time and I may have now lost the loan that I had in place because of their stalling and dishonest rate quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
XXXX credit card company says I still owe them XXXX XXXX. I paid XXXX XXXX XXXX XXXX I paid another XXXX. The step was paid last year in 2024. This company keeps reporting it on the credit bureaus that it has not been paid. I have been in contact with the company for over a week now and its not getting resolved. They also have provided documentation that this debt has been settled, but they wont fix the problem and keep making me wait. This is affecting my livelihood because theyre not reporting this, and Im unable to buy a house due to them.

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 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

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 seven 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 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 2025-03-27 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: MI

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.

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 seven 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
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
After meeting " XXXX XXXX '' on XXXX, he told me he is stationed in XXXX working for the XXXX XXXX He gave me a sob story about his parents XXXX when he was XXXXyo, so he was put in foster care, but his foster mom XXXX  in XXXX from XXXXXXXX  XXXX basically saying he has no family left. He told me he was up for retirement from the military and would be coming home to my area in two weeks to visit his late mom 's relatives. After talking to XXXX for a week, he informed me that his commander said he was on a list to be XXXX to XXXX. He told me he wished his parents were still alive so they could help get him home by applying for a Vacation Permit. I asked him if there was anything I could do to help, and he said I could put in a request to the Embassy for a Family Emergency Vacation Permit, applying as his girlfriend. I did, and it was " accepted. '' The Embassy writes back, saying he has to send a payment of {$7200.00} for a three-month leave before they can book his flight home. He said he was having trouble in XXXX logging into his bank account and asked me if I could log in so he could send the payments. The Embassy gave me the info on who to send the money to, so I logged into his bank account and sent two international transactions ( each transaction was for {$2000.00} because he said he could only send {$2000.00} at a time ) to someone named XXXX XXXX XXXX. When I went to send another {$2000.00} of his money from his bank account, his account said it was blocked. Long story short, he lied to me, used me, and tricked me, telling me his bank said he could not get back into his account for five days. He said the remaining {$3200.00} needed to be sent to the Embassy as soon as possible so he could get a flight booked to come home. A few days later, he said he won't be able to get into his account at all because the bank said he needed to physically be there to reopen his account. He asked me if I could assist him with that amount and told me he promised to pay me back as soon as he had access to his account. I felt bad for him because he had no family to send this money to get him home, so I mistakenly sent him {$3200.00}. My bank account is now almost empty, and I was relying on him to pay me back. Later on, he then asked me to help him with another {$22000.00}, an XXXX gift card for {$100.00}, etc. I caught on to his scamming behavior and continued to tell him " no '' over and over again when he kept asking for more money. I found the person he was pretending to be on XXXX ( XXXX XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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